BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with no checks, only a debit card. I am a young consumer. I was making purchases on XXXX, and my purchases went thru. I had NO IDEA that BMO would pay out on purchases, overdraw my account and charge me almost 200.00 in overdraft fees. 

This is highway robbery. First and foremost, purchases done on a debit card should NEVER be allowed. They should be stopped and indicated no funds. On top of that, by the time I am informed of this, they charge daily late fees and subtracted almost 200.00 in fees. 

I tried to resolve this issue at the XXXX XXXX/XXXX   location. My account now has a block on it so this problem will never occur on purchases. This should have been set up this way from the get go, and not overdraw and steal money from consumers who make a mistake. 

I was told that NO FEES can be reversed. This is not appropriate customer service, especially due to the fact I did not overdraw by using checks. These purchases should of been blocked and not paid out. 

I would like to have these fees reversed. I am a young person, and I am suffering financially due to this.

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 2017-11-16
Company: Convergent Resources, Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
2015. I didnt physically sign any documents with this company to grant me credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
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 and 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. 

Account Name : DISCOVER BANK Account Number : XXXX Account Type : Revolving or Option Account Status : Closed Monthly Payment : Date Opened : XX/XX/2013 Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
XXXX I owed a payment {$280.00} and made the payment late! XX/XX/XXXX made {$400.00} payment. XX/XX/XXXX. I made {$250.00} payment. I received XXXX statement shows my {$250.00} payment but not my {$400.00} payment. I called this Saturday which was I believe XX/XX/XXXX spoke with XXXX customer service gave me the run around spit my {$400.00} payment. I then asked what was my balance when I made the {$400.00} payment. She responded by telling me my payment was late. I repeatedly asked why my XX/XX/XXXX billing does not show {$400.00} payment on this statement. Assistant is needed to obtain a response to my concerns. I requested she email me the breakdown. Never sent my request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the XXXX you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Mungo Financial Group
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has repeatedly contacted my ex husband, his new wife, and my mother saying they are suing me. Then when I advise them I don't owe this debt, they hang up. When I try to get a proof of the debt, they simply send me a letter saying I owe so much money to a very old credit card I had. They refuse to talk to me, threaten to send people to my work, and threaten to sue me even though I have never been contacted in writing one time as but this supposed debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA DBA XXXX XXXX XXXX {$1100.00} {$1400.00}

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 2018-06-17
Company: Navient Solutions, LLC.
State: NH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2017, I was contacted by Navient, and I wrote them a letter stating I needed a deferral due to a problem trying to resolve this and other debt. 
I also included in this letter that per the FDCPA that the phone number they were calling is a DO NOT CALL NUMBER. However, I have been getting phone calls at least twice a day. 


I want the calls to stop. I will communicate with them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: LendingUSA
State: FL
Product: Debt collection
Sub-product: Payday loan debt
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. 

Account Name : XXXX - LENDING USA Account Number : XXXX Monthly Payment : {$160.00} Date Opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2019 I was a victim of identity theft. I did not realize my information was compromised until I got an alert on my credit report that someone open up student loans and theyre located in California XXXX Our place locks on my credit report and spoken with that particular student loan company and filed a police report. 

XXXX, XXXX and XXXX  XXXX accounts are fraudulent. Ive never authorize my credit to be ran nor have I had his account. I have submitted several I didnt need their reports and complaints to the credit bureau stating I was a victim of identity theft. Including XXXX reports and police reports. This has been a traumatic situation it has been a big hindrance on my credit. I had took all the precautions I can take on my to prevent my information to be used in the future but unfortunately there its still being used. Ive also notify the credit bureaus that I will be filing complaints and they responded to my letter only saying that this information was updated. I have my account and his phone calls, sent letters and uploaded documents to all three credit bureaus, XXXX, XXXX, and Equifax and nothing was done. This has been going on for months but unfortunately Im the only one affected and I will be filling additional complaints. The credit bureau its only sent me a letter back same information is updated. They have since then stop responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Platinum Holdings Group, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a call from XXXX XXXX, XXXX XXXX XXXX Platium Holdings on XX/XX/XXXX at XXXXXXXX XXXX she stated that she had a file on her desknthat i owed a pay day loan from XXXX XXXX XXXX   thatbwas taken out on XX/XX/XXXX, that the amount owwd was well over {$2000.00}, acter speaking to her she stated that it could be settled with {$800.00}, i advised her that this has been paid off, i asked her to email me a copy of this debt. As of XX/XX/XXXX i have received nothing, and she called my mothers phone number and left a voice mail messgae with personal information about me and this account, that anyone could hear and this is against fdcpa regulations, so i now informed her that i will forward this matter to my Attorney and to ceae and decist contacting me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On the dates of XX/XX/2020, XX/XX/2020 and XX/XX/2020 I submitted a credit dispute to XXXX, XXXX, and Transunion detailing the false and inaccurate reporting by XXXX XXXX XXXX across all three of my credit bureaus. 

XXXX refused to open the investigation request. Transunion and XXXX  did not resolve the request.

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 2018-06-17
Company: Computer Credit, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX was transported via ambulance to XXXX XXXX XXXX Hospital in XXXX XXXX, XXXX  following chest pains with difficulty breathing. Was discharged after receiving medical care. Approximately 1 month later ( statement date XX/XX/XXXX ) I received a bill with total charges of {$2600.00} for services provided, but didn't actually see the bill until 2 weeks or so later due to work issues. After insurance payments and adjustments my financial responsibility for the bill was {$260.00}. 

On XX/XX/XXXX I began making {$25.00} per week payments, electronically, directly through the hospital 's payment portal ( XXXX XXXX XXXX ). These payments have continued thru XX/XX/XXXX ( every Thursday, which is my pay date ) so that I have now paid a total of {$250.00} toward that {$260.00} bill. 

On XX/XX/XXXX ( statement date ) the hospital sent the remaining debt, at the time {$61.00}, to a collection agency ( XXXX XXXX, XXXX XXXX , XXXX ). On XX/XX/XXXX I received that notice, again late due to work issues. I actually have made 2 more payments in the meantime so the total debt owed to the hospital is only {$11.00} and that last payment was going to be made on XX/XX/XXXX 

Needless to say I find the hospital 's action completely and unnecessarily hostile. Payments were being made weekly toward the bill so at no time could they say I was attempting to evade them or deny them monies owed. My questions are : Is this legal? Do I have any recourse? To whom do I make the remaining payment of {$11.00}? Has this affected my credit? If so, how do I dispute the action and clear up any negative remarks on my credit history?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Wells Fargo, which I have been in default with for several years. My issue with Wells Fargo is that in the early stages of the default, I called the bank and stated that I wanted a modification. In good faith, I sent them 4 payment. They in return sent me a letter stating that they would divide the arrears by 12 and add it to my current monthly mortgage payment. I knew that this was not a modification. I stated to the representative that I could not afford to catch up with the arrears at that time and I wanted a modification. I was told that I should not bother with a modification, because I would not qualify. I was struggling with child support and needed relief. 

The foreclosure started and I could not afford an attorney, so I tried the best I could to defend my rights. Wells Fargo transferred the servicing to XXXX and their attorney 's. 

About 2 months ago, I heard in the news that Wells Fargo set up a fund for loans that they should have modified in 2015, but failed to do. I feel that I am one of those people and deserve an opportunity for a modification. XXXX XXXX XXXX is unwilling, but I feel that they have an obligation to submit, or question Wells Fargo. 

My home has a value of approximately 500,000. The balance  with arrears is XXXX. I have seen mortgage statements of Wells Fargo customers with modifications. I can't understand why I wasn't given the same opportunity. 

Wells Fargo needs to review and do something about this. If they set up a fund, but know that they transferred the serving, what good is that to a consumer.

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 2021-07-09
Company: Home Point Financial Corporation
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving harrassing phone calls from a mortgage lender Homepoint about late payment on a mortgage they just bought of mine, no payments have ever been late, it is setup for autodraft from there own website portal. 


NMLS ID : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX C/O Licensing XXXX, IN XXXX Phone : XXXX Toll-Free Number : XXXX Fax : Not provided Website : XXXX Email : XXXX Other Trade Names More Info : Home Point Financial ; homepoint Prior Other Trade Names More Info : XXXX XXXX ; XXXX XXXX XXXX ; Maverick Funding Corp. ( legal name ) ; XXXX XXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX Names More Info : Maverick Funding Corp ; Maverick Funding Corp . 
Sponsored MLOs More Info : 150

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX  {$84.00} All have shown no proof therefor needs to be immediately  removed off credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Total Card, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX allowed someone to fraudulently open an acct in my name. The account was opened in a state I do not reside in and an address I've never resided. I filed a police report and have previously called XXXX 's cooperate office and spoke to them. I also went into a local office and discussed this. They admitted to not having any of my personal information on file but having numerous signatures of others on the account but not mine. XXXX deleted the negative account from my credit once they knew it was not me only to sell it to a collection agency. Now, Total card inc., on behalf of XXXX XXXX XXXX  has placed it back on my credit and requesting funds. I disputed it online with XXXX  and I was notified that I had to request a dispute in writing from the other two credit bureaus. Once the debt was verified with XXXX  via online dispute, I received a notice in the mail from Total Card , Inc. stating they are representing their client XXXX XXXX XXXX. This is the first I am hearing from either of them due to them not having any information for me which lets them know I am the wrong person. The letter states it is a collection notice and their client has agreed to accept 12 monthly payments of {$150.00} as a full and final resolution on this account. Why would I pay half of something that does not belong to me? I have sent a debt validation letter via certified mail to Total Card Inc., but I have read online through the XXXX  that people said their letters were returned to sender from Total Card Inc. I want this handled in a timely manner as I only get 30 days to dispute and I sent it with 10 days left to dispute. On my credit report it says this was opened by XXXX XXXX XXXX on XX/XX/XXXX. Original creditor name : XXXX XXXX XXXX. The balance is {$3400.00}. I would like this removed from my credit report as it is not my debt. There is no legal binding contract connecting me to this debt nor any of my signatures or ID. I have only had XXXX XXXX XXXX cellular service since XX/XX/XXXX. I would also like the address reported to the credit bureau in connection to this by XXXX XXXX XXXX be removed. I have never lived/resided there and there is no verification/validation that can link me there. This is all false information reported and is affecting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I filed a dispute with Transunion after filing a dispute with a collection Agency ( XXXX XXXX XXXX XXXX XXXX ) regarding an item that appeared on my credit report. The collection agency agreed to have this item deleted from my credit report and sent me confirmation which is attached that this item will be deleted due to their error. All other credit unions deleted this item based on the facts and evidence presented. However, Transunion did not and inaccurate information still remain on my credit report. Despite the being provided information from the hospital collection agency stating that this item should not have been reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Credible Labs Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Credible got my financial info to " apply for a loan '' to refinance my student loan. The advertising was bogus, they denied me and denying me access to the reason for the denial.

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 2020-07-04
Company: PNC Bank N.A.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I am trying to link my account with XXXX and you are locking them out. I do NOT like being told what I can and can not do with MY money. If you do not correct this soon I will take MY money to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is not my debt I no longer live at this address XXXX XXXX XXXX XXXX XXXX Georgia XXXX You've paid off 0 % of your collection amount. 
Balance {$570.00} Highest Balance {$570.00} Opened XX/XX/2017 ( 1 yr, 4 mos ) Account status Open Type -- Responsibility Individual  Remarks Placed for collection Original Creditor Name 1XXXX XXXX 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