BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, XXXX XXXX both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Auto Advantage Finance, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX I purchased a vehicle from XXXX XXXX XXXX and In house finance co Auto Advantage Finance , LLC. When I purchased the car from XXXX XXXX the same day I got the car 20 min later I had to call them to tow it off the highway because it had stopped. Over one years time I had to have them tow it in due to just stopping on us while driving 5 times ( about once a month ). Their repair department head manager advised me if has any problem again will replace car. It had to go again they did not honor the replacement. I advise ECA that the vehicle was unsafe to drive, it was a danger to my family with husband and children and I refuse to drive unsafe car to endanger our lives. They told me to do voluntary return, which I had no choice but to do. I contacted them for 6 months to see what happens now they later filed a judgement a year later in XXXX and never would let me know when a court date was so that I could appear. I have been paying over XXXX years on a XXXX principle I have paid {$8700.00} and now have increased the interest to this every year and increasing it is now {$30000.00} they say I still owe them with interest continuing to be added. I feel this company and the XXXX XXXX and XXXX XXXX XXXX XXXX department has added so much interest and things to this that it will never be paid off. When I should not owe any way. I was not allowed to go to court to submit my side of this case. I checked with XXXX every week to get a date I was only told I did not have to show up and refused to give me a court date to appear. I looked on XXXX every day to see if filed to get a date. I received a summons i filed a dispute to the court and they was to file a default judgement on it to get a court date never did. There was a letter sent to them from XXXX XXXX district judge at OK count demanding with in 7 days for them to file a default judgement if this is owed so a court date can be set. They did not respond, until a year later they filed XXXX. I watched for a year never seen a date then all of a sudden I receive notice of a garnishment. Now 8 years later i get a increase every year for this so has tripled in interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has misapplied payments on my loan ( # XXXX ) in XXXX causing me to be in default due to their admitted error. On XXXX/XXXX the payment was received and applied to the XX/XX/XXXX payment, loan was current. {$970.00} paid on XX/XX/XXXX by their request should have applied to the XX/XX/XXXX and XX/XX/XXXX payments. Why would Wells Fargo apply as a principal balance payment when there were XXXX payments due? Another normal payment of {$410.00} was sent in XX/XX/XXXX that at that point should have been applied as a current payment for XX/XX/XXXX. Then as their letter provided continues to state, they keep attempting to apply it to payments not yet due, so it is rejected. If the loan had past due payments, why arent the funds being applied to the past due amount? 

I have continued to make the monthly payment since their error and even though I pay every month, I am still considered in default. I have continually been assessed late charges due to Wells Fargos error of misapplying these payments and forcing me to be in default. The late charges of {$1000.00} need to be reversed and the funds applied to the principal payments need to be reversed and applied to the overdue payments to bring the loan current as they should have been in the first place. 

I can not tell you how many people have promised to remove the over {$1000.00} in late fees over the years and have never done it. I even spoke to Wells Fargo life events team lead named XXXX XXXX four times between XXXX XXXX of XXXX and she agreed with me that the late fees would be removed and she said her assistant XXXX would take care of it and to give her 24 hours. It has been over XXXX months later and they still have not been removed and this letter says they have no plans to remove them because my mother XXXX XXXX, the holder of the loan, had passed away in XXXX and they didnt get rid of the late fees for deceased people until XXXX. All that means is they stopped charging me phantom late fees ( even though we arent late ), but her having passed away has nothing to do with this. Its all about Wells Fargo misapplying the payments and no late fees would ever have been charged if they wouldve been applied correctly. They acknowledge they misapplied the payments in their letter but they say too much time has passed to reverse them. This is on them, not on me. I only sent in the money they requested and they misapplied it and here I am 10 years later still arguing over this! I have requested a payment history back in XX/XX/XXXX and they did not come up with it until XX/XX/XXXX, after continually asking for extensions. Any help you can give me in resolving this would be greatly appreciated. I dont want to lose my home over a clerical error. 

Sincerely, XXXX XXXX

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 monetary relief
Consumer complaint received 2021-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX approve me for an unsecured credit card and want me to pay in advance {$200.00} dollars. I paid {$200.00} dollars and received the card by mail. After two years I closed the account with XXXX  balances. The bank sent me a bill of {$200.00} dollars to pay again. I dispute the wrong charge of {$200.00} but XXXX XXXX XXXX  reported to the consumer reporting agencies and destroys my credit history. I am still reporting or disputing this wrong charge to consumer reporting agencies. 
Banks don't approve unsecured credit cards unless the consumers pay in advance the approved amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: RoundPoint Mortgage Servicing LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, from roundpoint mortgage, left a message using my and my wife 's name on a number covered by the Do Not Call List. I called the call back number on the recording and the ( actually really nice ) lady kept referencing a file but kept saying she could not tell why XXXX had called us on our home phone. I could see it maybe being a wrongly dialed number but he stated me and my wife by first and last name.

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 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is the second complaint that I file against Transunion with CFPB for the exact same issue. Transunion marked the first complaint as completed but ignored my complaint and failed to resolve my issue. Transunions failure to comply with the FCRA is causing me financial harm as Im unable to apply for business line of credit due to a bankruptcy that is appearing in my Transunion credit report. The first complaint was filed on XX/XX/ ( complaint # XXXX ). Transunion has been negligent and has not provided me with the information that I requested under my rights under paragraphs ( 6 ) ( B ) ( iii ) and 7 of the FCRA. In summary, Transunion has failed to provide me with name, address, and phone number for the business they used to verify the bankruptcy that appears in my credit report. According to FCRA, I have the right to know the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. More details about this complaint can be found in the attached letter to the CFPB dated XX/XX/ along with the other attachments with letters to and from Transunion.

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 2021-07-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX, I purchased a mattress from Mattress Firm located at XXXX XXXX XXXX in XXXX, TX ( Store # XXXX ). I paid for this purchase in full, using my Visa credit card. I merely asked the sales representative, XXXX XXXX, if they offered any zero interest financing for the purchase and what the length of repayment would be if I were to decide to finance. He told me he would need to check what offers are available, and he asked for my social security number. After a few minutes at his computer, he tells me that they are offering 6 months No Interest if Paid in Full within 6 months. I replied that I'd rather just pay for the mattress in full that day, instead. At no point in our conversation were the words, " credit card, '' " application, '' nor " line of credit '' EVER mentioned, and I thought no more of the subject. 

Five weeks later, on XX/XX/XXXX, I was surprised and confused to find a welcome email from Mattress Firm congratulating me on my new Mattress Firm Synchrony HOME Credit Card. After then receiving a credit card in the mail from Mattress Firm & Synchrony Bank, I decided to go into the store to speak with XXXX XXXX as to why I would have been signed up for a credit card with Mattress Firm, against my wishes, knowledge, and permission. He claimed it must have been miscommunication, which is flatly false. Why would I want to apply for a store credit card with a monthly credit limit of {$6000.00}, when I had already purchased a {$3000.00} mattress -- something I only repurchase once every decade? At that point I asked him what he and his company would do to correct the error. He told me that nothing could be done, and instead recommended that I just close the credit card. 

This fraudulently opened credit card account has already negatively impacted my credit score, and I have absolutely no use for it. I never, at any time, authorized, signed for, nor agreed to open a new credit card at Mattress Firm on a whim. In fact the last time I applied for a new credit card was 5 years ago, and only came after careful deliberation, extensive research, and very clear and explicit authorization to open the account.

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 non-monetary relief
Consumer complaint received 2021-07-06
Company: ONLINE Information Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have never done business with this Company before. I have written to the Credit Bureau on several occasions and nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not know how these items ended up on my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on my Drive Licence and Social Security Number ) because if you do you will see I did not sign anything related to these accounts.

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 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I saw an ad for a set of wheels for a car on XXXX account XXXX XXXX XXXX. Contacted the account owner through XXXX messages and asked for the price of the wheels plus shipping. Was given a price of {$500.00}, {$400.00} for wheel plus {$100.00} shipping. Sent {$500.00} thru XXXX from my Capital One Checking account to XXXX XXXX thru his email contact XXXX. On XX/XX/XXXX, Seller sent message stating that was getting ready to ship the wheels, but then requested another {$300.00} for shipping insurance. Told seller that I paid the price I was told for shipping, which was {$100.00}. Asked for a refund and seller stated they did not give refunds. Only gave refund for items that did not meet the buyers needs. I tried to request money back through XXXX, I got a message that there was a problem with the recipient 's zelle account. Also the XX/XX/XXXX page post have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: DISCOVER BANK
State: KY
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:
Unauthorized credit inquiry on XXXX  credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX  credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: Consumer Portfolio Services, Inc.
State: LA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2018-05-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My entire correspondence with Citibank is contained in the six PDF files enclosed. This concerns the Citibank 2% cash back card. Providing no reason or justification Citibank terminated my account which is never suffered a penalty and been in effect for over 10 years. They refuse to provide the 2% cash back which I have earned too many months of usage of their card. Please read the enclosed

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 2021-02-11
Company: NATIONWIDE MORTGAGE BANKERS, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was promised a healthcare worker discount of {$1500.00} and was informed 24 hours prior to my closing date that because the sellers rushed up our closing date they dont have the time to process this discount unless I push back the closing date by another week, which is impossible to do with less than 24 hours notice. While, yes, the sellers rushed the closing date, weve been working with this company since XXXX and they had promised back in XXXX we would received this healthcare worker discount. They also acknowledged the discount as recent as last week. Complete false advertisement and lack of professionalism. They also were rude, dismissive, and discourteous throughout the entire process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for the Citi AAdvantage Platinum Select card through the XXXX XXXX website because they offered a {$250.00} statement credit on XXXX XXXX purchases if approved for card when applying on XXXX XXXX website. I called Citi bank on XX/XX/XXXX to see if I will get the credit before I booked a {$270.00} flight with the card. The representative said she put in a request for me to get the credit and it was a guarantee that I would get the {$250.00} credit and it will show up on my bill before my first payment was due ( XX/XX/XXXX ). Because the representative said I would get the {$250.00} credit, I booked the flight shortly after our conversation. Since then, I have spoken to numerous representatives from Citi on the phone and received 2 letters in the mail saying my account is in fact, NOT eligible for the {$250.00} credit. Now that my credit card bill is due 2 days from now ( on XX/XX/XXXX ), I am paying {$250.00} more than I was expecting to pay because of the misinformation given to me. My buying the flight was contingent on getting a {$250.00} statement credit so had the representative told me the correct information in the first place that I was not eligible or that it was just a possibility, I would have done something different with my money when buying the flight and in the mean time. Now, I have a bill that I was not expecting to pay and can not afford because I was told I would absolutely, 100 % get the credit. I have spoken to many people from Citi and XXXX XXXX about this and they have not helped me. The representative from XXXX XXXX said that because I was told I would get the credit, they would honor what they said and give it to me and I still have been denied it. I am very unhappy that I was told the wrong information and now I have to pay a very large bill because of the employees at Citi.

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 monetary relief