BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A former contractor informed us that a check we sent them was never received. We placed a stop payment on the check and sent the contractor a new check. The previous check that was claimed as never being received was taken to XXXX XXXX XXXX  and this business cashed the check without checking with us ( the company ) or with the bank to find out that this check was cancelled and a stop payment was placed on this check. 

XXXX XXXX XXXX contacted us and informed us that the check was returned to them and they were unable to deposit it due to the Stop Payment. We informed them that they should have contacted us to confirm the check or they should have contacted the bank. They asked if we are going to pay the check amount of {$420.00} plus {$25.00} return fee for a total of {$450.00}. We informed them that we wont since it is not something we owe them. They sent us to collections because of this. 

On XX/XX/ 2019 a letter was sent from HP Sears who is a collections company. I received the letter on XX/XX/ 2019 and contacted them on the same day. There was a phone number on the letter with an extension. When I asked to be transferred to that extension, I was told that I can't be transferred and I need to just let her handle it. I gave her my account number and told her of the situation. She told me that I need a police report. I told her that there was no crime that occurred to me. She told me that's tough and she will mark my account down as " refusal to pay ''. This will in return hurt my credit.

After the call, I went down to my local police station to get a police report and I was told that I will not be able to get one as I don't have any information and no crime was committed to me. The officer said that the check cashing place would need to obtain a police report and not 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 2018-05-04
Company: HANCOCK WHITNEY BANK
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Whitney/XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Franklin Credit Management Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought a XXXX condo in XXXX. First mortgage {$140000.00}, 8.25 % from XXXX, 2nd mortgage XXXX, 13.35 % From XXXX in XXXX. I had XXXX small children and our apartment was converting to condo and out of my price range. My credit at the time was fair. I had been living in the US Virgin Islands for 7 years. Within months of buying the place, the financial crisis occurred and BOTH lenders were out of business. My 1st mortgage went to XXXX ( XXXX ) and lowered to 3.75. Thank you. My second loan ended up on the desk of Franklin Credit Management Corp of XXXX XXXX NJ. I was current on both loans and remained that way until ... .. In XXXX or XXXX, Franklin calls me and says we are lowering your interest rate to 4 % for the next 12 months. Why ... I asked myself. I was not behind on my loan.. What happens after 12 months? They said, We'll extend it for another 12 months ... ... ..that never happened. After 12 months, they called me said, OK now we go back to 13.35 % ... ... and I said No ... ... I told them I did not want the home for free but I would like a FAIR interest rate ... ... .they took my financial information over the phone, turned me down for loan modification on the call and I believed I was being taken advantage of ... ... .I believe they lowered my interest rate to 4 % because there were being audited and interested in getting my 13.35 % loan off their books. After the audit, business as usual, back to 13.35 %. I am digging to find proof of that audit ... .If that fact is true, they lied to me AND to the auditors of the Federal Government ( or State, I am not sure ). Long story short, I have not paid them a dime since the day they refused to consider a loan modification, asking for financials over the phone and making a decision without a written application appears to me haphazard and unprofessional.. The conversation is on a recording in their log. THEY were the one 's recording the call for quality assurance. I was current on BOTH loans at this point. 
I believe both my original loans in XXXX were excessive, however, I signed with the intent to refinance after 12 months. I was not the cause of the financial crisis but XXXX and XXXX, and continuing Franklin Credit, were playing the game. XXXX immediately lowered my 1st mortgage rate voluntarily, and my second mortgage servicer, Franklin Credit Management Corp, should either return all funds paid to them by me under a predatory original 2nd loan bought from XXXX, be forced to modify my loan, and/or move to drop the foreclosure matter. The investors of my 2nd mortgage are XXXX and XXXX. I have never done business with them directly. Their names are on the foreclosure papers. 
I would appreciate any help or guidance you can afford me in this matter. I am fighting for my home and protection of my family. Also, my 2nd mortgage loan is not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
XXXX is reporting inaccurate information to consumer reporting agencies. XX/XX/2017 XXXX closed a account and charged off incorrect balance. XXXX charged off a account as {$19000.00}. This is incorrect according to the surplus and deficiency letter obtained by the XXXX. XXXX NEVER responded to any written letter of validation from me ( consumer ). XXXX refuses to delete even though they committed a FEDERAL CRIME by reporting false information to the IRS. I am contacting the IRS as well. They wrote off the inital price of the loan {$19000.00} instead of the approx 16k that was stated on the information XXXX provided the XXXX. This is tax fraud.

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 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
XXXX is reporting inaccurate information to consumer reporting agencies. XX/XX/2017 XXXX closed a account and charged off incorrect balance. XXXX charged off a account as {$19000.00}. This is incorrect according to the surplus and deficiency letter obtained by the XXXX. XXXX NEVER responded to any written letter of validation from me ( consumer ). XXXX refuses to delete even though they committed a FEDERAL CRIME by reporting false information to the IRS. I am contacting the IRS as well. They wrote off the inital price of the loan {$19000.00} instead of the approx 16k that was stated on the information XXXX provided the XXXX. This is tax fraud.

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 2018-12-01
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home mortgage loan at US BANK here in XXXX XXXX Mo, over two weeks ago in the XXXX/XXXX office. He said he needed my credit card information in order to order the appraisal for the property I was purchasing. It was the week before XXXX holiday. The day after XXXX, I received an alert stating that my credit card had been used to pay for the appraisal. Doing this time, my credit report had not been pulled to even see if I would qualify for any loan product. Neither had I gotten any letter or word of mouth that I was pre-approved or prequalified for any loan. Doing that time my credit card was charged an appraisal fee of {$490.00}, the bank didn't have my credit file to determination if I would even be eligible for a home mortgage loan because they had nothing to base it off of. At that time I called my loan officer concerning the matter, he said it would be refunded back to me. As of today I have not been refunded for the charges of {$490.00} to my XXXX Credit Card. I'm trying to understand, why would someone run someone's credit card when there's no loan in place. You would need a credit report to determined that and there was no credit file pulled at that time. Thy still don't have a full credit file to this day, to qualify me for a loan.

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 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
Bank of America is negligent by opening a fraudulent bank account in my name and social on 3 separate occasions. Each time I have been assured that the accounts will be closed and that proper steps are being put in place to prevent this from happening again. In addition, I have fraud alerts on all 3 credit report agencies and XXXX. Despite this, they continue to allow fraudulent accounts negligently. 

Accounts were successfully opened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time I contact them, and have been given assurance by them and their department that this would be prevented from happening again. But they would not discuss how the problem keeps happening to " protect privacy. '' They have no problem violating my privacy by opening the accounts. 

It is very apparent that the Bank does not have appropriate security and fraud protections in place to protect consumers.

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 2018-05-04
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account number XXXX The company is sending incorrect information pertaining the alleged financial agreement. They sent me the financial agreement with another provider that works independently from the provider they are alleging I have debt from. This is dating from XX/XX/2014. I am appalled that they would send false information in place of the information I requested. It is clear and evident no document with my signature exists with regarding this alleged debt. This needs to be removed off my credit report immediately prior to escalating all violations made from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had to take out loans to attend college part time from XXXX. 
I attended different colleges. XXXX XXXX XXXX College, XXXX XXXX University, XXXX University, and lastly XXXX XXXX University. 

Therefore, I had subsidized and unsubsidized loans approximately {$39000.00} in repayment. In 2009, due to a work injury, I had major XXXX XXXX and the following years I was unable to work to my full capacity just part time Throughout the process, I contacted Navient and XXXX to go into deferrements or pay reduced amounts. Yet the last 10 years despite many letters I sent to fix/refund lost processing delays, late fees and possible misapplied payments NO adjustment was made to go back and review my loans since XXXX. 

Ive tried through many phone calls, faxes and written letters and nothing was done. Now I would love to redeem their lack of follow through when students go through something this hard. 
Thanks in advance for the follow up. I sincerely hope this can be related to Student Loan Departments so they stop costing students unnessary fees. 

Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRUIST FINANCIAL CORPORATION
State: WV
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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-31
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This compliant relates to the recent Wells Fargo lawsuit affecting mortgage holders during the period XXXXXXXX XXXX  XXXX ( mortgage loan number XXXX ). I just became aware of this suit as of XXXX. 
I'm not sure if there is any compensatory element involved in my case but wanted to at least explore that possibility. 
I have not been contacted by Wells Fargo, or received any compensation, as of XXXX. 

Thank you, 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 explanation
Consumer complaint received 2019-03-05
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Hello! 
On XX/XX/2018 I was shopping at the T.J.Maxx ( XXXX XXXX XXXX XXXX, IL XXXX ) and I bought a couple of items in the amount of {$280.00}. The next day I did not want one of my items and wanted to return it ( the total cost of an item was {$190.00} ) but the store declined my item because the item was missing a security tag but they were the ones who took it of when I left the store, other than that the item had all the tags and everything and I didn't even wear it. I called Synchrony Bank about 5 times and filed 2 disputes but what they told me is that different stores have different policies and that they can not do anything about it. I still have the item and I want to return it ( it has all the original tags ).

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 2019-03-05
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to get phone calls from multiple different named companies claiming that I owe debt from XXXX in the form of a Barclays card. Stating I opened the account in NY. I have lived in Colorado since XXXX and have had no credit cards from Barclays. It does not show on any of my credit reports and I have not had unpaid debt in many years. These companies that call are either named XXXX XXXX, XXXX XXXX  or ( I forget the other one ). Each company has claimed that I owe anywhere from {$1100.00}, {$1300.00} or one saying it was over {$3000.00}. All claiming that if I make a payment of half the amount owed we would settle. I have asked for information in writing, or the original debt holders information so I could confirm the debt, however none of the companies would give out that information. Each company has threatened me with " legal action ''. My last correspondence w/ XXXX XXXX ( XX/XX/XXXX ), I stated that they should send me a judgement or " anything '' in writing. I have no problem paying a debt I owe, however it is unwise to pay someone money over the phone especially when I don't recognize the debt. Scariest of all, is they told me my FULL social security number. Not just the last 4 digits. I have since put fraud alert requests in w/ the credit bureaus. Ive called the company back and they will not give me their address, they said they have no website and will not give me any more information about themselves. I asked for the company 's full name and they said it is client services for recovery solutions. I've found no information about them on the internet.

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 2023-01-31
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX last year I received my bonus ( {$1800.00} ) and deposited via mobile bank using the Comerica XXXX ( XX/XX/XXXX ). The deposit failed due to a glitch and decided to use the auto bank in the nearby Comerica office ( XX/XX/XXXX ). Looked in the bank statement from XX/XX/XXXX to XX/XX/XXXX, and certainly the deposit from the mobile app showed on XX/XX/XXXX. Nothing on XX/XX/XXXX. Waisted a month to receive the bank statement from XX/XX/XXXX to XX/XX/XXXX, no duplicated depot is shown. 

On XX/XX/XXXX, a withdraw shows on my mobile of {$1800.00} with the following description : XXXX XXXX Ref # XXXX XXXX XXXX. Called the bank a couple of times and they said that it was an adjustment. 

On XXXX XXXX, I received the letter stating that it was an allegedly duplicated deposit. Be aware that is AFTER XXXX called them to dispute the transaction. 

Furthermore, On XX/XX/XXXX, {$560.00} showed on my bank with the description : XXXX - miscellaneous. Afterwards, a letter came explaining that Comerica Bank was overcharging for Comerica Web Bill Pay fees from XX/XX/XXXX to XX/XX/XXXX. No explanation on what has been charged and furthermore nothing on the bank statements for XXXX  years. 

On the other hand, Comerica Bank charges {$34.00} per overdraft transaction. Without a grace period. I have communicated this to the bank on several occasions, but no answer was given. 

After almost XXXX years with the same account, I have decided to make a complaint since I certainly believe that Comerica has shown no transparency in their transactions with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 explanation
Consumer complaint received 2020-11-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Credit Acceptance- The vehicle was purchased in late XXXX for {$9000.00}, to accommodate my XXXX  / XXXX needs at that time. Within a 6-month period I experienced multiple electrical malfunctions which were reported to the dealership. Company refused to repair any damages and malfunctions ; these issues resulted in a fire starting under the dashboard. At that time, I chose to tow the vehicle back to the dealership which resulted in a Voluntary Repossession In XXXX, I reached out to Credit Acceptance was redirected to XXXX XXXX XXXX XXXX XXXX - a statement agreement {$6900.00} was made nut not yet collected on my credit reports

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 2017-09-18
Company: CREDIT ACCEPTANCE CORPORATION
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: Information is missing that should be on the report

Complaint:
I have a car loan that I did with credit acceptance for 10k or more, monthly and it 's not showing up on my credit report. I tried calling credit Acceptance they said they will fix this problem but they have n't fixed it with the three major credit bureaus. I would like for them to update my credit information showing a pay off on a loan that I had with this lender.

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