BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year a debt collection agency named " XXXX '' attempted to collect a non-existent debt owed to XXXX in excess of {$5000.00}. They had mailed several notices that I had discarded since I know the debt isn't owed and validated this with XXXX themselves. No credit line was ever opened with them. I had requested debt validation and to cease contact. I received a letter from them stating that they will no longer communicate and the account had been closed. Today I receive a letter from a company named " Jefferson Capital '' which I believe is associated with XXXX from some brief research. They are attempting to collect a non-existent debt owed to XXXX for {$7400.00}. Once again, validated with XXXX that this does not exist and is not owed. 

At this point, an investigation should be made to XXXX XXXX and Jefferson Capital Systems LLC for this behavior. XXXX lied ( Violation 1 ) about the account being closing and instead chose to forward it to JCap. JCap has not printed information on what to do if I believe the debt is not owed on the letter, so that's violation 2. Continuing to contact me about this non-existent debt after request to cease contact is potentially violation 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently signed up for the Best Buy Credit card, which is a revolving credit card handled by Citigroup, or a part of Citigroup. The terms included 18 months at 0 % interest for my purchase. On around XX/XX/2019, I set up an ACH ( electronic payment ) on Citi 's website to pay the bill and scheduled the payment to occur on the due date ( XX/XX/2019 - in this case ). The payment was {$110.00}, which was above the minimum amount of {$47.00}. As mentioned, the payment was set up to be paid on the credit card 's due date using Citi 's own website. However, on XX/XX/2019, I was charged a late fee of {$28.00}. Again, this should not have occured because the ACH payment was set up to occur on XX/XX/2019. On XX/XX/2019, I called Citi 's service department and they stated I did not schedule the payment to be paid on the due date but would credit my account the {$28.00}. In addition, they stated that I should allow 2 business days for the credit to occur. As of XXXX CST on XX/XX/2019 ( 3 business days later ), I have not received the {$28.00} credit. I believe that this may be an intentional practice by the Citi retail services group ( i.e. payments scheduled by consumers on time, or the due date, yet the company charges late fees ) and wanted to bring it to your attention.

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 2017-07-12
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried several times to talk with American Adjustment Bureau about charges from XXXX Hospital. These are NOT my debts. Now I looked at my credit reports and see I have charges from XXXX XXXX Hospital too. These are NOT my debts. These belong to a person with the same name as me. They removed them from my credit report but they have reappeared. I do NOT no what else to do. XXXX Hospital and XXXX XXXX, anything to do with XXXX XXXX are not MY debts. I want them removed from all 3 of my credit reports. I am going to continue my search on where to report this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: U.S. BANCORP
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX and I were told by U.S. Bank rep XXXX XXXX that my last payment on Loan # XXXX___ would beXX/XX/XXXX. XXXX and I are 100 % sure that these were " His Words ''. What I signed was not whar Mr. XXXX represented to us ( my wife and I ). We liked him and trusted him, we go to appointments together for this very reason, just in case we hear things differently. During the presentation, I personally asked MrXXXX XXXX when the last payment was ; again he responded XXXX of XXXX. 
Instead the last payment is XXXX of XXXX when I initially signed, I asked to sign the Hard copy, XXXX XXXX said he had to work it up ... .we later did an e-mail signature : click, click, click. I did not find out until XXXX XXXX that the " Real '' last payment is 12 months later : XXXX of XXXX from U.S. Bank XXXX XXXX provided us documentation XXXX We are not disputing the paper work of the loan. To be specific, it is what was presented to XXXX and I was a " Bait & Switch ''. It was not a truthful presentation. U. S. Bank has denied any wrong doing as we have already been thru the U.S. Bank complaint process. We requested to be interviewed, we were not. U.S. Bank is not going to investigate itself. I also spoke with XXXX XXXX of U.S. Bank ( concerning follow up from U.S. Bank letter dated XXXX XXXX ). Ms. XXXX with No Results. Both XXXX and I are 100 % sure MrXXXX XXXX stated @ least ( XXXX ) times XXXX of XXXX. TRUST is a Big word ... .very important in Banking as XXXX ( XXXX. XXXX U.S. Bank ) and I discussed. I said to XXXX XXXX ( U. S. Bank Branch Mgr. ) I would have to file a complaint ; XXXX replied, " Sounds Good ... .You do that ''.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect address/addresses on credit report.

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 2017-12-30
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a response to complaint # XXXX along with documents provided related to this account. The response does not satisfy my concerns. XXXX XXXX supplied documentation and again the information they are reporting to the credit is in fact incorrect. Compliance Specialist, stated XXXX XXXX provided documents for a repossession on account number XXXX. However, if she reviews the account data she will notice the information is incorrect. The address listed on the notice is incorrect. The address was XXXX XXXX, XXXX, TX XXXX. XXXX XXXX was fully aware of the correct address. They can reference the correct address by reviewing account number XXXX. In addition, representative XXXX XXXX (possibly misspelled) was contacted on XX/XX/XXXX @ XXXX CST @ XXXX ext XXXX and was provided with the address details. In addition, XXXX would have supplied a change of address as one was on file since XX/XX/XXXX. Any notices sent from XXXX XXXX would have received a return change of address. Again, XXXX XXXX at the correct information for their files. The documentation within itself contradicts what XXXX XXXX notes in her letter. It is not my responsibility as a consumer to advise a data furnisher or credit bureau what is reporting incorrectly. Related to account number XXXX, the information provide contradicts the documentation provided as well as what is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I claimed Bankruptcy and been paying on Fifth Third Bank auto loan as I was supposed to. On 3 different occasions I called in to make payment and the representative failed to process payment appropriately and it never registered as being paid and this put me behind in the payment. I tried yesterday to make a payment and they informed me that I needed to pay the entire balance and that the vehicle is in repossession. My bankruptcy attorney is communicating with them. They would not let me make a payment. They claimed that there was never an affirmation agreement by the court submitted. My attorney informed me that they would not let her file it because the account was delinquent. The account was delinquent because they failed to process payments on 3 times that I called. I do not get any statements or correspondence from Fifth Third. I ask of a confirmation number and they give me an operator number but no confirmation number. I made my last payment on XX/XX/XXXX 2017 for {$400.00} which brought me to one payment behind. I would be no payments behind if there was n't such confusion. In addition, they kept bouncing me to Fifth Third regular business and Bankruptcy business and this further confused the issue because the two departments do not communicate appropriately. They are demanding full payment and there is no way I can do this right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Purchased XXXX XXXX on XX/XX/2019 at dealership, financed through Capitol One. First payment on car was attempted, Capitol One does not allow a payment to be posted anytime prior to actual due date. Called Capitol One on XX/XX/2019 to inquiry why I could not make a payment when I receive statement that payment was due. Was told they have a Pay Ahead Policy, which means I can never make a payment before my due date. This is not noted on my contract. I asked them how I could make payments for a few months to always be ahead on payments and was told the same thing, that I am not allowed to make any payments, even 1 minute prior to the due date due to their " no Pay Ahead Policy ''. I have never had a car loan or any other loan that I was not allowed to make an early payment. I have always paid my bills ahead of time to pay them off early. They did state that I may pay the principal at anytime I like but as far as my payment, it is not allowed to be made prior to the due date or in advance due to their Pay Ahead Policy they have. This appears to me a way of collecting additional interest for no reason except to benefit the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of identity theft

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 2021-05-20
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Thursday XX/XX/XXXX of 2021 at XXXX, I sent a formal request via email to Planet Home Lending for an appraisal of my home to be able to see if I could remove PMI. 
I am required to only use appraisers from Planet Home Lending. 

I received a response email from Planet Home Lending ( PHL ) stating all I had to do is send documentation of home improvements and costs for them to schedule the appraisal. 

On Tuesday, XX/XX/2021 at XXXX is sent two receipts from my over XXXX dollars of renovations to PHL. 

On XX/XX/XXXX of 2021 at XXXX I asked about the status of my request for an appraisal. 

On XX/XX/2021 at XXXX I was notified by PHL that my request for an appraisal was denied and cancelled for not meeting requirements to deserve an appraisal. 

I believe I am being unfairly charged PMI when I clearly have increased my home value by over XXXX dollars. Even my local tax office in XXXX XXXX appraised my home at over XXXX dollars more than last year. Yet PHL will not even let me have an appraisal ... ..just to keep me paying more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I'm trying to get a reverse mortgage to keep my home. The mortgage company Specialized loan servicing, has been to say the least very difficult to deal with. On my monthly statement I have a princable balance of XXXX XXXX and now they are saying that the payoff amount is XXXX XXXX. Over XXXX XXXX more.! My XXXX passed away in XXXX of XXXX. I've been trying to deal with them ever since, I've made my payments on time every month and been in contact with them sometimes XXXX or more times a week. 
I've sent them request for help in the form of a loan modification over and over, once it was approved ( back in XX/XX/2020 ) I successfully completed the XXXX month trial period. And then they changed their mind in XXXX. I'm at my wits end right now. I feel like they are taking advantage of me and I need help. 
They are threatening me with foreclosure, or a short sale. XXXX woman even said that someone could show up and ask for the keys.

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 2022-02-14
Company: Telsa Motors Inc
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have recently ( XX/XX/2022 ) taken delivery of a new XXXX XXXX XXXX. I am leasing this vehicle through Tesla XXXX XXXX ( XXXX ). Yesterday I received my first invoice with my first payment of {$550.00} due on XX/XX/2022. As I reviewed the invoice for remittance information to establish an automated payment via my banks bill pay service I realized this was not an option and that I would be XXXX to Teslas process which gives me only 2 payment options BOTH of which require me to disclose my bank account information. It is not in my best interest to disclose this information and I have never done so lightly. Further, I have reviewed my lease agreement and it makes no mention of this practice. 

As a business minded individual, I can appreciate the minimization of payment risk and predictability of cash flow that this policy establishes for their business, however this is not a consumer friendly practice and definitely not friendly to someone with a long history of paying my bills on time ( as evident from the hard pull of my bureau file in the assessment of my creditworthiness ). I object to the notion of being forced into disclosing my personal bank account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I am filing a complaint on Bank of America cause I have had an ongoing dispute on some fraud charges done to my corporate card for XXXX XXXX XXXX. They have denied my fraud claim on grounds that are not valid. They have requested me to explain to them details of the claim that I have no recollection on because of the length of the charges I have explained to them on several occasions that I do not recall and they continue to insist on my giving them dates that I do not recall events on. After going through responses on the paperwork they have sent in response to several complaints filed I have filed a police report with the XXXX XXXX sherrif. I did request a card and activated the card before changing my number XXXX to XXXX and the charges started days later on the account. They claim I made phone calls verifying charges XX/XX/XXXX and XX/XX/XXXX but that was not me. They claim that my Drivers license was provided and I did not have any type of communication with them during those dates. I am providing them with a copy of the police report and requesting my right with the fair and accurate credit transactions act to reconsider my claim. They have removed monies from my checking accounts with them to pay for charges that are fraudulent and this is not something that I will be letting go even if it needs to go in front of a judge in civil court.

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 2022-02-14
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
equifax says that my information does not appear but to sell my information and participate in identity theft there if they had my information in order now I do not appear anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have called all three credit bureaus ( Transunion, XXXX, XXXX ) a total of 10 times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I called to inform them that my reports show 2 bankruptcy filings that do not belong to me that was supposedly filed on my behalf in XXXX County, NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the Bureaus to verify such a record exist. I noticed as of today XX/XX/XXXX yet another Bankruptcy has appeared on my credit report. I work in XXXX XXXX and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all 3 bureaus and they have done nothing at all.

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 2021-04-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In the past week, I've tried to get the three free credit reports that have been heavily promoted. XXXX provided an immediate report online, no problem. 

For the past week, XXXX  has said they could not provide a free credit report at this time. Equifax wants to torture requestors by making us fill out an online form and then require a mail-in form instead. Clearly, XXXX  and Equifax are trying to complicate or circumvent the free credit report requirement.

Company response to consumer: Closed with explanation