BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: IL
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:
Attention! My information is being trafficked due to your inability to be impartial

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 2020-02-20
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
***PLEASE REVIEW, URGENT INFORMATION REGARDING THE PRACTICES AND TACTICS OF COMMONWEALTH FINANCIAL***** I have never before in my life had an agency that is so incompetent and downright sleazy than this debt collecting company. Upon first review of looking up this company - immediately red flags. No one says ANYTHING positive about them, and for good reason. Let me tell you my story - I owe XXXX $ on a medical bill that I could not afford at the time. This bill went to collections, where Common Wealth Financial inherited by account. Upon first contact with them, they were aggressive, unprofessional, and exceedingly degrading. They were telling me, the customer, upon first contact, that not paying medical debt is illegal and that the account will incur interest with them, and that I needed to pay 1/2 of if off immediately to avoid more fees/other charges. They would not allow me to set up a payment plan - they told me that since my balance was " low '' for medical, that my treatment wasn't that extensive and that I should be able to pay it off since I'm " better now. '' This is so absolutely degrading and unprofessional and how they are still allowed to operate is beyond my comprehension - I am sure that this account, my story, is one of thousands since many people that I personally know can attest to the treatment that this " company '' is known for. 

I am not asking for my debt to be cleared. I am not writing this because I am upset about the debt. I am upset at the blatant disregard that this company has for the individuals that it is supposed to serve. Please look into this very closely. I am currently thinking about getting attorney representation for this. No one should have to go through this, and maybe with all of these accounts of negligence, they can finally be held responsible for their malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In late XXXX I had a hardship due to the hurricane that year. I called Wells Fargo and was given a work out plan. Instead of them putting the missed payments at the back end of the loan which other companies did they lengthen the process offering a modification which would have further extended my loan to a 40 year loan with a 6.75 % interest rate. When I declined the modification they explained over the phone that if I made payment and was behind just 2 payments it would avoid foreclosure. I expressed to the representative that I would make the payments which I did. I made two payments within two week of speaking to the representative. A few days later my payment was credited back to my account and I realized that something was wrong. When I called Wells Fargo I found out that I was in foreclosure. The representative had given me incorrect information and submitted foreclosure proceedings, in my opinion because I did not accept the modification which would have ultimately made the bank more money. Over the course of XX/XX/XXXX - XX/XX/XXXX I spoke with numerous representatives, most of them gave me conflicting information. An investigation was done and the Bank admits that I was given incorrect information but was not willing to accept responsibility or take my home out of foreclosure. I was harassed by people with my information and attorneys who wanted to either purchase my home or help me avoid foreclosure. Ultimately I was able to borrow money and pay almost XXXX which originally started off as few payments of almost XXXX. I would like a full investigation into Wells Fargo 's practices. They have been known in the past of shady practices and they obviously have not changed, they continue to take advantage of customers at their most vulnerable time. Please investigate the mortgage practices of Wells Fargo. I am expecting that this matter will be resolved

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 2018-01-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX wiped out my account with a levy. The amount is XXXX. The date was XX/XX/XXXX. The debt is supposedly a very old credit card amount. 

I was never properly served. I called them and they said that they tried to contact me in XX/XX/XXXX. 

Midland 's phone number is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
ON XX/XX/20 I submitted a payment for {$100.00} in which they claim a computer error deducted. {$180000.00}. I called CITI XXXX about this payment process on XX/XX/20 was given a confirmation.number XXXX.Made two calls since one on XX/XX/20 spoke to a XXXX Supervisor was told it would take 10 days..Afterthe frist call on XX/XX/20 it would only take XXXX to 7 days to return funds to my account. Last four of credit card is XXXX Check noXXXX please investigate this manner Thank You

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 2019-01-24
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried working with both Citi Bank and XXXX XXXX XXXX. I filled a dispute with my credit card company on XX/XX/XXXX over the phone that XXXX XXXX XXXX went over my {$1000.00} Credit Limit. I made 3 extra payments torwads my credit card ( XX/XX/XXXX {$320.00}, XXXX {$300.00}, XXXX {$100.00} and XX/XX/XXXX {$200.00} ) during the duration of the car rental to me the obligation amount. Citi decreased my credit card limit from {$1000.00} to {$490.00} when I filed my dispute. They reversed the {$1200.00}. the charge and post it back on my credit card that I am unable to pay. Now, Citi expects me to pay {$1200.00} by XX/XX/XXXX. I can not meet that obligation due to the lack of work and I won't start work until after XX/XX/XXXX. I work as a XXXX XXXX  and my last assignment ended in XX/XX/XXXX. I was NEVER LATE paying my credit card obligation to Citi and yet they decreased my credit card limit because I have other credit card balances. I don't see how that had anything to do with my flawless pay history with Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: Opportunity Financial, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I do in fact owe this debt. I am experiencing a financial hardship. However, i am experiencing phone calls after XXXX XXXX. daily. As well as calls mulitple times throughout the day. This is unprofessional business practice. I have informed you to stop calling after hours. If this does not stop i will file a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The Accounts im disputing are - XXXX XXXX XXXX/XXXX XXXX   Account # XXXX Amount {$510.00} - XXXX XXXX Account # XXXX Amount {$4900.00} - XXXX XXXX XXXX # XXXX Amount {$4100.00} - XXXX/XXXX Account # XXXX Amount {$1600.00} - XXXX XXXX Account # XXXX Amount {$8400.00}

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 non-monetary relief
Consumer complaint received 2021-03-05
Company: Resurgent Capital Services L.P.
State: CA
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Resurgent/LVNV Funding, XXXX, and XXXX. The Account Opened is Resurgent/LVNV Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had 2 balances on my account. 1 for XXXX good until paid in full and 1 at XXXX that expired on XXXX. I wanted to pay off the XXXX balance but wanted to make sure my payment would be applied to it so I contacted the company to find out the best way to go about this. The balance expired on XXXX and would go to XXXX on XXXX. I made the payment on XXXX expecting it to go to the XXXX balance as the terms are payments are applied to higher rate balances first. This did not happen. I have been speaking with company representatives for several months. On initial conversation with the representatives they agree that the payment was misapplied and tell me they will forward it for correction. It was never corrected and now I'm being told that it can't because I made the payment before my statement closed so the payment was applied to the highest balance on my previous statement. I've asked to be shown this in writing and that has not happened. I have the original card agreement documentation and the balance transfer offer and no where does it state that I must wait until my statement closes to make a payment in order for it to apply to the higher interest rate first. I contacted the company specifically to make sure the payment would be applied correctly and followed their advice and waited until the offer had expired before making the payment yet they left that balance at XXXX and applied my payment to the 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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$0.00} XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX AR XXXX {$320.00} XXXX XXXX   XXXX {$41.00} BANKRUPTCY CHAPTER XXXXXXXX XXXX {$0.00}

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 2021-08-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent a letter to XXXX, Equifax and XXXX. Enclosed was a copy of a letter, written directly to the Credit Union who holds the account in dispute requesting documentation as well as an affidavit to verify the legitimacy of the alleged account. 

I also explained to the bureaus that many of the transactions under the alleged account were commercial transactions and therefore, should not be reporting on my personal credit. 

Each bureau continues to report this account on my credit report without investigation. I also requested a full disclosure of my entire file and to provide me a copy of the written authorization or expressed consent given for them to report my intellectual property to their reports. 

See attached letter. 

All letters were sent certified mail also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax the lovely company that put my information out to fraudulent people plus dealing with personal fraud on my credit that Equifax refuses to block according to FCRA. I sent a police report and identity theft.gov report to Equifax back in XXXX XXXX XXXX find me they received it and each month they would re-investigate according to what they say clearly they didnt and theyre not complying with blocking when you have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 6
16, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX of XXXX I had {$1000.00} withdrawn using an ATM in XXXX XXXX TX. This transaction was unauthorized and fraudulent. I closed the card and filed a dispute with U.S. Bank. I am a XXXX  on a laid off worker workfirce re-entry program through the Texas XXXX XXXX. Rhis debit card is issued to me by the state of Texas through U.S. Bank. The funds were place back into my account and I received the funds back onto my card. The correspondence received from the bank stated that the money was removed due to a system error. I started to regularly change my pin numbers and contacted customer service asking for some type of safeguard against unauthorized usage on this card. On XX/XX/XXXX I checked my balance as I regularly do, and noticed a great decline. I logged onto my online banking and found three more unauthorized ATM withdrawals one after the other occurring on XX/XX/XXXX. Each was for {$300.00}, totaling {$900.00}. I immediately contacted the lost/stolen card department and repeated the process of ordering a new card and filling a dispute. I did not withdraw these funds and have never been to the city where these violations are happening. U.S. Bank has declined to put the funds back onto my card and says no error occurred. I am being targeted by scammed and criminals within the banking system because my card had never left my possession. I have never shared my pin number with anyone. U.S bank has someone on the inside that is committing these acts. There is no other way and no explanation other than an inside job. I did not visit or utilize any ATM on XX/XX/XXXX. If U.S bank had investigated and pulled the ATM images or investigate internally this could be solved. I want my funds placed back onto my card. I have sent in an affidavit from the person I was with at the time of the theft. I feel frightened and targeted. I have suffered from this violation and need assistance. I am still trying to gather any other documentation or proof if innocence. No one will listen to me, I have spoken with multiple supervisors and representatives but if seems as I no one will just investigate. I will speak with law enforcement or any investigator from the bank. Please direct me to any additional steps I should take because I did not do this nor did I authorize ANYONE to use my debit card.

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 2019-05-14
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/2015, I purchased a brand new XXXX XXXX from XXXX  XXXX in XXXX XXXX, New York - with Chrysler Capital as the lender. Unfortunately, while I did not want to purchase this vehicle, my other vehicle had broken down and I needed transportation to and from work. My interest rate is 23.07 % and Chrysler Capital refuses to work with me. The term of my loan is 80 months. I have been paying on the vehicle for four years and I still owe {$24000.00}. Given the high interest rate it is impossible to make the monthly payment on time and because so much is owed on the vehicle, no other lender is willing to refinance it. In addition, this is ruining my credit. 

I have requested a copy of my credit score from when the vehicle was purchased from both the lender and the dealer. However, neither party will furnish same. Prior to purchasing the vehicle, I had inquired about a used vehicle from another dealer ( also financed through Chrysler Capital ) with an interest rate of 13 %. When this dealer ran my credit report, it was well over a 600. When I arrived at XXXX XXXX, I was told a used vehicle was not an option for me and that I had no other choice but to purchase a new vehicle. Given that we were in a hardship ( being down to one vehicle ), I feel my wife and I were preyed upon by the dealer and the lender. 

Furthermore, we were talked into purchasing an extended warranty and GAP. We were told by purchasing this coverage we be saving 1.5 % on our interest rate. This is usury! 
In addition, when we call Chrysler Capital. We get nowhere. They stated that they do not refinance and our only option is to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: SC
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 is reporting 2 accounts from XXXX totaling {$2000.00}. I have no knowledge of these accounts. I received no goods or sevices from this company. These accounts should be deleted. The other agencies deleted these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For months we have had issues with 5th 3rd Bank for our mortgage. We refinanced and dropped our mortgage insurance payment. One occasion they under charged our account for our mortgage payment by {$12.00}. They did not notify us. They held the funds and counted us late. Until the next month until we called to pay our next payment. It was a true struggle for them to remove the late fee, fix our credit reporting, and find out why we weren't notified we were undercharged. The next month they took down the wrong account information and also charged a late fee. They called this time ; however, once they relized this was their error again, it was like pulling teeth to get them to remove the late charge and report correctly on our credit. They are impossible to get in contact with. Constantly being transferred to other departments. On 2 occurances there have been very rude and curt managers. One call never leads to resolution. They have made owning a home extremely stressful and unpleasent.

Company response to consumer: Closed with explanation