BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-28
Company: MIDFIRST BANK
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please help me with the short sale on my home I did try doing a modification and was turned down since than things have gotten worst with my Daughter at school and in this neighborhood. After my divorce and my wife left I am now a single farther and with all the expenses and my daughter having bad personal problems we can no longer afford to pay for the house or live in the neighborhood. I have tried selling the house but with all the house needs to be livable I dont have the money to make that happen Please help stop the sale so there is time to make this happen.

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 2021-03-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Pulled my credit report on XX/XX/XXXX, and saw that Midland Credit Management placed a collection account on my credit report. I have not received any communication from this company regarding this debt or any opportunities to dispute it. I do believe that the law states that I have the right to be notified of a debt prior to it being placed on my report and given the option to dispute within 30 days of receiving that communication. Midland Credit Management has not attempted to provide me any written communication regarding this debt. The practice of placing collections on accounts without any notice is illegal and this company should be held responsible for its actions. This collection claims to have been opened in XX/XX/XXXX, yet, this is the only time I have been made aware of this. I also placed a call to XXXX XXXX, the so-called original creditor, to see what this debt is and they were unable to find any account of mine that has not been paid off already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sold a XXXX XXXX watch on XXXX ( item # XXXX ) on XX/XX/2019. I received payment in the amount of {$7100.00} from XXXX XXXX ( XXXX user XXXX ) on XX/XX/2019 via PayPal ( transaction ID XXXX ). 
Subsequently, on XX/XX/2019, Mr. XXXX contacted his financial institution to reverse the charges, indicating the " item was not as described. '' A dispute was opened up on PayPal ( Case ID : XXXX ). I provided XXXX tracking information ( tracking # XXXX ) to indicate the item was received. No complain or correspondence was received from Mr. XXXX. Mr. XXXX did not initiate the dispute on XXXX, nor PayPal. Mr. XXXX essentially bypassed the controls set in place for dispute resolution. 
Mr. XXXX 's financial institution reversed the charges, without requiring Mr. XXXX to return the merchandise. PayPal subsequently billed me for {$7100.00} charged by Mr. XXXX financial institution, without receiving the merchandise in return and has indicated there is nothing they can do to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: GreenSky, LLC
State: FL
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 called this company out to perform maintenance on my unit, and ended up paying over {$500.00} for the service, and a part that was 'wearing out. ' Afterwards, I got repeated calls from the woman who answers the phone, angrily telling me my check bounced. I felt bad for the person who would eventually get that phone call - she had me mixed up with someone else, I paid with a credit card. Shortly after, the unit stopped working all together. This company gave a quote of more than {$6000.00} to replace my unit. I decided to get a second opinion, and was told that my 20 year old unit should be  replaced. I went with the second company. I naively believed that it was frustration that led XXXX to threaten to charge me for a unit anyway, and they did. XXXX XXXX XXXX submitted a charge for services / equipment not rendered. XXXX XXXX XXXX   AC unit charge, and now I am fighting a bill for over {$6000.00}!!! 
The company say I did not cancel the contract within 3 days, but that is not true. I did not get an AC unit from XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: GreenSky, LLC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
The summer of this year our heating and cooling system broke down beyond repair. We got a quote from a company named XXXX XXXX XXXX XXXX XXXX located in XXXX, Idaho. The quote they gave us was for 2 kinds of systems and they said they would apply for a loan for us to pay. We were going to make a payment of the difference but never heard from anyone about that and once the work was completed many week later I saw that the cheaper system was installed. The first quote was for a system that rated XXXX XXXX in the amount of {$9900.00}. The second was for a better rated system rated XXXX XXXX that would be {$1300.00} more. We asked for the better system and the person we spoke with said they could wait for a payment of the difference. The work took much longer than we thought it would, weeks longer. When it was completed I saw that they had installed the cheaper system but we had been billed for the higher priced one. I contacted the loan company as soon as I knew what company we had the loan with. Greensky, they billed us for interest right away. I made a payment for the interest amount before the work was even completed and contacted them to let them know the amount was incorrect. I had to contact XXXX XXXX XXXX XXXX XXXX several times to let them know we had been billed incorrectly and finally was told they would correct the error. Still after all these months the error has not been corrected. We have been overcharged interest and the original loan amount was incorrect. It took over a month for them to install the unit but the loan was taken out and interest started before work was completed. I keep getting a run around with the loan company. I was told things would be corrected months ago but nothing has changed and we keep getting charged more plus interest and fees. 
The loan company is XXXX XXXX XXXX. The first statement I have was in XXXX 2017. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payments were paid but the hospital billing staff have yet to correct billing g error. All co pays were paid. However when I spoke with XXXX XXXX billing I was told that the payment was showed and issue would be fixed. But they have now forwarded a PAID bill to collections. Bill was paid in full on XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have my personal information compromised last year and I was never sent any documents to substantiate a XXXX XXXX XXXX XXXX XXXX. Since any error can or may be present within that data. I respectfully demand that you transmit this documentation as soon as humanly possible. Please send any supplement data materials that can legally verify that this account was legally established.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The morning of XX/XX/XXXX my USAA checking account had an unauthorized charge. While I was on hold with the USAA someone made two more purchases on my account. I was originally told I would see my funds in 3 calendar days. After that they told me it was three calendar days from Monday XX/XX/XXXX. After that I was told it was 10 buisness days. On Friday the XXXX of XXXX I was told there was never a claim issued. On XX/XX/XXXX I was told there was a claim file on XX/XX/XXXX and another filed on XX/XX/XXXX. Finally today XX/XX/XXXX a XXXX called me and said they have 10 business days to resolve the claim, which would put them at today XX/XX/XXXX, but their fraud department is backed up. After talking to the bank this morning there is no plan to issue my funds today. I am out almost {$2200.00} from my checking account and after today those funds have been missing from my account for 14 calendar days and 10 business days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Experian Information Solutions Inc.
State: NV
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 received a credit alert friday XX/XX/XXXX about an Auto loan application from XXXX, i called XXXX to let them know that was a fraudent application and to ask them why they didnt call me because i have a fraud alert in my credit report, i have been a victim of identity theft in the past. XXXX apologized and told me they already ask Experian to remove the fraudulent hard inquiry from my credit report but the inquiry still there nothing has changed, i called Experian but theyre not willing to help me. Please remove fraudulent hard inquiry from my credit report XXXX XXXX XX/XX/2018 XX/XX/2018

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 2019-05-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I need a copy of reports so i can take actions. Fraud, disputes

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 2017-11-21
Company: ALLY FINANCIAL INC.
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a car loan for XXXX with Ally financial in 2011. They have withheld account information to me, lied about my payment plans, used extortion and bullying to squeeze exorbitant amounts of cash well over what I originally agreed too. I have put over 30,000 dollars in this car and they are still harassing me.

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 2019-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Dear Transunion I would Like to Thank you for working with me as we both make Progress and deleteing inaccuracies on my credit file I was Just viewing the FTC website and it states that i can asked you your method of verifcation and you must provide me with any and all Tools and documenets that was used between you and the Creditor pretty cool Huh? I'm going to used my rights per the fcra and asked you How did you verify the account number on the # XXXX XXXX   XXXX. I have told you more than 4 times that this is not my account number but i need for you to tell me Who and how this account was Veriffied and came back to me?? Name Phone numbers what paper work they sent you what paper work you sent them i need to see all of it with in the Next 15 days per the FTC website You have to provide this information ( method of verification is what it's called ) also CFPB Transunion is in VIOLATION OF THE FCRA SEE ATTACHED FILE FOR FACTURE PROOF You are the reporting agency and you like to play games But Look at XX/XX/XXXX there is a 30 day late on this account correct???? XX/XX/XXXX another 30th late correct???? XX/XX/XXXX and Ok correct??? XX/XX/XXXX another 30 day How in the XXXX is this Possible? shouldnt and wouldnt this be a 30 60 90 120 late right?? This information is incorrect and I would Like for you to remove this entire account. major VIOLATION OF THE FCRA ... PLEASE EXPLAIN THIS MESS! THIS XXXX IS GETTING OLD AND TIME CONSUMING BECAUSE YOU GUYS SIT ON YOUR XXXX XXXX AND NOT DOING YOUR JOBS..

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 2018-06-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Iv'e been my home for 20 years I love my home I was a XXXX XXXX for 19 years I lost income in XX/XX/XXXX called wells fargo ask for a forbarce progam they told me I did not have enough income so I got a part time job got back with wells fargo said it was not enough went back and fordward to court luckly got full time job at XXXX XXXX yes I can pay on time and back now I have a shireff sale XX/XX/XXXX cause wells fargo say I make to much and I can pay the XXXX I owe in full I have bills and a son that is in XXXX  who I have to help but with the job and and my retirement and can make payments but don't have XXXX in full so can you please help me my loan number is XXXX well fargo

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 2018-03-18
Company: STERLING JEWELERS, INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I opened a credit card with XXXX XXXX last year to help build my credit and apparently, they transferred their credit accounts to XXXXXXXX XXXX XXXX ' in late XX/XX/2017. I made all of my monthly payment online at the XXXX XXXX 's website and when I was attempting to make my payment for XX/XX/2017, the website would not allow me to log in. I was waiting for any correspondence to inform me on how to make payments towards the account. At the time, I had less than {$80.00} to satisfy the account. 

I finally received an email from the new company late last month, stating the account is now in collections. After checking my credit report, I verified they've reported delinquency and the collection status. I don't feel this is the best practice of any financial institution, since up until last month, I have not received any electronic or postal correspondence on how to make payments. 

Thank you for your assistance to resolve this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have visited XXXX XXXX XXXX XXXX XXXX for an illness in 2016 and there was a bill of amount total {$3600.00}. At that time I was experiencing financial hardship and did not have any income from work and was in the middle of the marriage crisis and divorce. The low income government health insurance plan did not qualify me later until I had the divorce paperwork finalized. And I had been unstable with my living address and changed my cell phone number several times to avoid my ex-spouse harassment. I am not aware that I have an unpaid medical bill until now and the payment had been sent to CMRE FINANCIAL SERVICES located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, CA XXXX. I had never received any collection letter or phone call from CMRE that I need to pay for this specific medical bill. The collection account had been opened since XX/XX/2016 for 2 years, 8 months. I hope that XXXX XXXX XXXX medical center can dispute my medical bill due to my financial crisis at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Byrider Franchising, LLC
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I DID NOT AUTHORIZE AN EXTENDED FRAUD ALERT TO BE ON ALL 3 OF MY REPORTS FOR OVER 7 YEARS I NEVER WANTED A FRAUD ALERT PLACED AT ALL DUE TO THE NEGATIVE CONNOTATIONS IT BRINGS I FROZE MY REPORTS TO STOP ANY ADDITIONAL FRAUD I WAS VICTIM TO PREVIOUSLY. THE BUREAUS TOOK IT UPON THEMSELVES TO ADD THE EXTENDED 7 YR ALERT AND IVE REQUESTED 3 TIMES TO HAVE IT REMOVED AND HAVE BEEN IGNORED I WANT THE ALERT REMOVED NOW FROM ALL THREE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I DID NOT AUTHORIZE AN EXTENDED FRAUD ALERT TO BE ON ALL 3 OF MY REPORTS FOR OVER 7 YEARS I NEVER WANTED A FRAUD ALERT PLACED AT ALL DUE TO THE NEGATIVE CONNOTATIONS IT BRINGS I FROZE MY REPORTS TO STOP ANY ADDITIONAL FRAUD I WAS VICTIM TO PREVIOUSLY. THE BUREAUS TOOK IT UPON THEMSELVES TO ADD THE EXTENDED 7 YR ALERT AND IVE REQUESTED 3 TIMES TO HAVE IT REMOVED AND HAVE BEEN IGNORED I WANT THE ALERT REMOVED NOW FROM ALL THREE BUREAUS

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 2019-05-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a car loan with Toyota Financial which I pay monthly and in advance. My regular due date is the XXXX of each month. Not only do I pay in advance, I pay more than the agreed upon payment ( {$340.00} ). I called Toyota Financial 's customer service in XX/XX/2019. My XX/XX/XXXX statement showed my next payment date is XX/XX/2019 where I owe {$19000.00} My XX/XX/XXXX statement showed that I owe {$19000.00} and that I made a {$340.00} payment. I was told that I'm being charged a late fee ( although it doesn't show ). I have never been late making my payments. In addition to this my XX/XX/XXXXstate shows that my next payment due date is XX/XX/2019 ( shouldn't it be XX/XX/2019? ). When I called Toyota 's customer service again in XX/XX/XXXX, I was told I'm being charged daily simple interest. This is a car loan and not a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was on forbearance with XXXX and was then never informed that I was off of forbearance. They subsequently reported all 6 of my federal loans as being 90 days late in XX/XX/2019 to the credit reporting agencies, which is false. The attached email shows that I was unaware that my forbearance was taken away until XX/XX/2019 when I was put back on forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$60000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} 09 XXXX XXXX Opened XX/XX/XXXX 2019

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 2017-11-21
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, Kia Motors finance contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX. As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Ascension Point Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife received a call from Ascension Point of XXXX XXXX, MN. My wife was told by a XXXX XXXX that they were attempting to collect a debit of my mother who has just passed. My wife took the contact information for Ms. XXXX ( phone : XXXX ext : XXXX ) and explained she would pass the information on to me. We live out of the state my mother lived in and her estate has not yet gone through probate, the route I believe the claim should be made.

Company response to consumer: Closed with explanation