BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: SACOR FINANCIAL, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been paying on a court judgement that was turned over to collections. I pay every month, without receiving a statement or remaining balance owed. Emails, letters or calls get no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a letter from US Bank dated XX/XX/. RE : Account XXXX ending in XXXX and Case Number : XXXX that my account was being closed and if there was a positive balance, a Cashiers Check for {$240.00} would be mailed within 15 business days once all previously deposited items have been verified. US Banks investigation was completed on XX/XX/. On XX/XX/, I called the U.S. Bank, Branch Operations Manager of XXXX XXXX XXXX XXXX and asked when my funds for {$240.00} would be mailed? XXXX XXXX said not for at least 6 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The bank changed the configuration of the account, resulting that I was unable to process online payments to de overdraft account. The bank without any advice closed my account during crisis times on pandemic of COVID-19. They are a bad credit union.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My named was forged on a document that was never presented to me and the original I applied and received the loan for my car. I wasn't behind on my payments nor was I behind on my insurance. I had also found out the that said document was illegal here in North Carolina. I had lost my job also picked up and new aliment and I have been out of a lot of money cause now I have to pay for rides and delivery fees for the things that I need i have bee fighting this issue for a year. I also believe that they forged papers to steal my mother 's house from her also. My family and I would like help in getting justice from this bank I also have said documents on my person as well. I have a whole lot of documents and proof to send but the system will not let me send them all at one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COLLECTION AGENCIES VIOLATED " FCRA, FDCPA, FCBA '' REPORTING ID FRAUD ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH " XXXX XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Following collection company has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameNORDSTROM/TD BANK USA Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$550.00} written off. {$550.00} past due as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Mr. Cooper, my ( XXXX XXXX ) loan servicer on XXXX XXXX 2020 at about XXXX XXXX. First speaking with XXXX. He told me he could help with anything related to Mr. Cooper, and my loan. I detailed to him that I was looking for assistance to modify or do forbearance on my loan such that I could defer payments for 3-6 months and place those payments on the back end of my loan. Once I explained what I was trying to do, he then stated that was another department. I was then transferred to XXXX, at about XXXX XXXX, and when I again explained what I was seeking to do was told I would need to be transferred once again to another department About XXXX XXXX  I was transferred to XXXX. After again verifying all my previous information again ( already verified twice ), and explained what I was looking for, she stated that Mr. Cooper was ONLY doing deferred payments for 3 months, then a Balloon Payment for the entire amount would be due. I explained to her that that is NOT what the CARES Act, passed by the US Congress stated, nor what multiple news stories have relayed to the public, that deferring payments for 3-6 months, and putting them on the back on my loan was what I was looking for. She then SPECIFICALLY stated that ( Summarized ) The Investors of Mr. Cooper had met, and they decided to deny that option, electing ONLY for a Balloon type payment arrangement. Deferring payments and putting those payments on the end of the loan was NOT an option available through Mr. Cooper. 
I will offer the two links below as to why Mr. Cooper is in clear VIOLATION of multiple laws and should be heavily fined and face jail time for its executives. 

XXXX : XXXX Wont Require Lump-Sum Forbearance Repayments. 
XXXX : XXXX XXXX  XXXX XXXX : XXXX Announces No Lump Sump Required After Forbearance. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I made the purchase we agreed upon $ XXXX {$40.00} a month until the {$1500.00} was paid off. My 1st payment seemed fine I paid {$43.00} XX/XX/21 even though I paid my amount they attempted to pull the full XXXX balance from my account. I called in no one understood what was going on said it was a glitch wouldnt happen again. I get a text saying my next payment will be for {$88.00} they explained that the amount inflated no where in my contract was that correct. The manager basically hung up in my face and never called back then collection calls start they attempt to take XXXX again for the XXXX still implying its a system issue i remove my autopay at this point. They said my balance was XXXX i paid it never posted, now they say i owe for two months a payment of {$88.00} and {$39.00} no one can explain the amounts and its not whats agreed upon in the signed contract.the company is unethical and untrained to deal with the ins and outs of an account they are really rude and are not helping just swindling the consumer by the way she said i had to pay the late fee before it was waived. I need help with this as today XX/XX/21 Im still being treated this way i just want to make a payment not teach Fortiva customer service and support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern, My name is XXXX XXXX XXXX. I request these items beloved to be immediate investigated and removed if inaccurate as they are not belong to me. According to Fair Credit Report Act, I expect you to complete this verification withins 30 days. 
**Address** XXXX XXXX XXXX  XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Hard inquiries** _XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX  Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I tried to dispute a {$10000.00} for services that weren't rendered in XXXX and it still hasn't been resolved. I've sent letters from attorneys, receipts, buy sale agreement, second opinion letter, email where owner of company offered to refund my money and where my attorney and I accepted. I have provided capital one with everything they asked for and spent money on attorney fees and still on going

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX and I am writing to lodge a formal complaint against XXXX XXXX agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a  balance. There are fraudulent charges including charges for us not returning keys and drywall repairs which is totally untrue. The apartment was left in prestine condition and all we owe is for the two months rent which equal up to a little over 4,000 but minus security deposit equally around 3,700. I have repeatedly requested a complete validation of debt and have not received anything. 

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe. 

Cease collection on an invalid date were I dont owe the amount they are attempting to collect and cease a desist collection. This has been reported to my credit report and is an attempt to collect on an amount not owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account USAA SVG BK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that USAA SVG BK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Lendmark Financial Services
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I received an email from Lendmark Financial Services alleging that I had recently completed an online application for {$2000.00} and as a result was matched with them. I was advised that the nearest Lendmark branch was located at XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. After receiving this email, I received a message from XXXX, an identity theft protection service through which I am a subscriber that a credit inquiry was done by Lendmark Financial Services. The Lender was XXXX and the source was XXXX. I contacted the Lendmark branch in XXXX and spoke with the branch manager " XXXX. '' She indicated that an application using my personal information had been initiated and that Lendmark uses XXXX. I informed her that this was a fraudulent application and an attempt to commit identity theft. In addition, I requested a copy of the application. She said a copy would be emailed to my attention. However, I have not received a copy of the application. Additionally, she advised that someone from Lendmark 's security division would be contacting me to start an investigation. That has not been done. I have filed an earlier complaint against Lendmark Financial Services for breach of personal information. That complaint filed before the CFPB was in XXXX  ( XXXX ). At that time personnel from the XXXX, MD branch of Lendmark disclosed information contained in my credit report to a third party without my authorization. While I have filed a dispute through XXXX in relation to this fraudulent application, I do have concerns about the unauthorized inquiry attempted by Lendmark through XXXX and if it was an attempt to disclose personal information to a third party or if a third party utilized Lendmark in order to obtain my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is charging outrages fees for default related costs in the amount of {$220.00} for home inspections more than one a month. Which is outrageous and not needed. I need these costs refunded. The average costs for these drive by home inspections is {$10.00} to XXXX dollars. There is no need to have a {$220.00} dollar charge on my mortgage for this. These inspections that they did were also discharged in my bankruptcy several years ago. This is unfair and unjust. I called the company and they stated they were not removing the fees. They stated they were just fees even though they are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with this company. I requested a debt validation on XX/XX/2020 and the company provided me with some Bill. I did not receive any type of mail before my credit report was tarnished! Thats against my rights! As I look over the bill, ( no contract between the company and myself ) I also noticed that this company added a collection fee of {$390.00}. I have NEVER heard of a company being within legal rights to change a fee to another amount just to add their fee to it!! I was violated in many ways by this company and Im embarrassed that I have to submit such a complaint on my behalf. According to the FCRA, I was supposed to receive proper paperwork in the mail first to give me a chance to figure things out. I was never sent anything because I do not have a contract with this company! This company has failed me and stripped me of that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were given EXPLICIT instruction to run credit with XXXX XXXX ONLY. Instead, credit was run with a number of finance companies without WITHOUT AUTHORIZATION : XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX. On XX/XX/XXXX we sent a letter to XXXX XXXX XXXX to address these concerns as the hard inquires were negatively impacting our credit files. On XX/XX/XXXX we received a written response back from XXXX XXXX XXXX acknowledging this misunderstanding, stating they did not have the capability to remove inquiries from a credit bureau file ; we would need to work directly with the credit bureaus. On XX/XX/XXXX we sent written request to the XXXX, Equifax and XXXX to remove the XX/XX/XXXX inquires. A copy of the XX/XX/XXXX response back from XXXX XXXX XXXX was included. To date, the unauthorized inquires remain on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information in my file ; the items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission, and I have also enclosed copies of the federal trade commission 's identity theft affidavit. Delete the items as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX : XX/XX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$120.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from XXXX  XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX around XXXX my account was hacked. the person took {$500.00} total dollars out my account. It was two separate transactions at XXXX XXXX  and XXXX XXXX  of {$250.00} dollars. which made up the total of {$500.00}. On XX/XX/XXXX around XXXX XXXX  after failed attempts to calling and chat via app ( which the app does not offer the live chat which is stated on there website. ) I reached out via email. I left several emails asking for help. I didn't receive a respond until Monday XX/XX/XXXX at XXXX XXXX. Stating after their investigation they decided to closed my account. and will send the remaining balance to my closed bank account that was attached on file. they never not once responded back about my missing funds but went ahead and closed my account. this account had all my bills and deposits from my job hitting the account. i had to scramble to find a bank to set up a direct deposit so i can reroute my money. but still no justice were served.

Company response to consumer: Closed with explanation