BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called last month which was XXXX about not being able to afford my car payment for the month. I spoke to a women who said all I had to do was pay {$270.00} and that would be fine. Here I guess the check bounced but I did not find out about that until yesterday when I received a text from my loan saying to call them. I called and they expect me to pay {$270.00} for last month and my car payment for this month. I never got a voicemail from them or and email stating that my check did not go through or I would have made another payment last month for the {$270.00}. I cant believe they just contacted me yesterday about this! I have told this company over XXXX over again that my son  is in the hospital with XXXX XXXX, he is only XXXX years old. They do not care about what I am going through they just care about getting their money. I can only afford my car payment this month and not the {$270.00}. My family can barely afford food at this point in time and Huntington has no sympathy for me. We are trying to sell the car because we can no longer afford it. So we are trying whatever we can do to get rid of this vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: EQUIFAX, 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:
The document XXXX XXXX has uploaded is NOT VALID. I have mailed XXXX XXXX  a copy of my correspondence that they should have received in 2016 along with recent identity theft report made with the FTC as well a copy of my LEASE amendment that was signed and dated in XX/XX/XXXX 2016 along with a summary billing statement that I received upon request from XXXX XXXX. My utility company at that TIME when I RESIDED IN NEW YORK STATE. I DID NOT EVEN LIVE IN THE STATE OF ALABAMA. The signature on said document does not even match the signature on my LEASE. HENCE, the reason its called IDENTITY THEFT. My RELATIVE had another Photo ID, birth certificate AND social with MY name on it. HER ACTUAL license has been suspended for YEARS hence the reason why she probably had to steal my entire identity just to get a vehicle and auto insurance and gas and cable. I will be consulting a lawyer on this matter should this information wrongfully remain on my credit report. By all means feel free to contact the apartment complex management office AND utility company to verify the documents presented. For all I know she has an employee at XXXX and at the dealership who worked with her to cook up this fabricated MESS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These companies failed to respond to my debt validation letter within 30 days to verify the account in question

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 2020-10-12
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
Hello, I have lots of inaccuracies reporting on my credit report which I have tried to solve with Experian. I have sent in two letters but they have not corrected anything. 

Firstly, my personal information is totally wrong even a different social security was showing which I did not recognize. I have also pointed out the addresses and variations of my name to be corrected but it stayed simply unchanged. 

I also have sent in a letter for the items showing that are erroneous but there was no investigation done because everything stayed unchanged from the initial way of reporting.

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 2021-06-03
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
The following accounts are not mine and i want them to be removed from my credit report in the 3 credit reporting agencies. See bellow which are the accounts : 1. Identity Theft JPMCB CARD XXXX This is not mine 2. Identity Theft XXXX XXXX  XXXX XXXX This is not mine 3. Identity Theft XXXX XXXX XXXX This is not mine 4. Identity Theft XXXX XXXX XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Client Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A company called Client Services Inc. has been contacting me frequently. The calls come from different numbers every time. I have received messages which I still have recordings of. These phone calls are all for a person I do not know, and on five separate occasions I have explained this and been assured my phone number will be removed. The calls have become such a nuisance that I have to avoid picking up calls from numbers I don't know, which I need to be able to do for work. The most recent phone call was a few minutes ago today ( XX/XX/2018 ). I can track down more dates if needed, as like I mentioned I do have recordings. I have also called them back myself to address the issue of them having the wrong phone number, and again they assure me it's being corrected. On one of these occasions I was called back the very same day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Wells Fargo sent me personalized marketing offering a 12 month 0 % interest promotional period for opening a XXXX XXXX XXXX credit card. As an existing Wells Fargo credit card customer, they have the right to use my customer information to market to me. 

I applied for the card at the end of XXXX and finally received my card on XX/XX/XXXX. I spoke to Wells Fargo representatives about the account on XX/XX/XXXX, and then several times after that when I was surprised to see that I had a minimum payment due. Previous experiences with Wells Fargo and XXXX credit cards did not have minimum payments due during promotional periods. They told me this one did. 

On XX/XX/XXXX I saw an interest charge when reviewing my online statement. I contacted the company to correct the error, as I was within the 12 month promotional period. I was told that because I had opened a Wells Fargo XXXX Visa in XX/XX/XXXX, I was ineligible for a promotional rate. 

Wells Fargo had ample opportunity to notify me of this during any of several previous calls about this account. Further, Wells Fargo should not have marketed to me offering a 0 % promotional rate if I was ineligible. Further still, I believe that opening a card on XX/XX/XXXX is more than 12 months away from the second open date of XX/XX/XXXX. 

This was deceptive and deprived me of the ability to manage my finances. I can not close this card without repercussions to my credit. I can not open another card with a different provider without repercussions to my credit. I have been choosing to save heavily rather than pay off balances, because I thought I had a 0 % line of credit, which caused me to incur interest charges I could have avoided. 

This is deceptive and a " bait and switch '' advertising tactic. Wells Fargo made no reasonable effort to notify me of this ridiculous rule ( which I did not experience with XXXX or other providers ) and hid it in the " fine print ''.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX Account Number XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for TransUnion, XXXX  reports as CO, and XXXX  reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections 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 2019-09-10
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 I purchased a XXXX XXXX XXXX from a local dealer. I financed the loan with Chrysler Capital. For my XXXX payment I sent Chrysler Capital a check for the " estimated '' payoff amount ( their estimate, not mine ). That amount was {$24000.00}. Chrysler Capital received payment on XX/XX/2019. Chrysler Capital then sent me a letter stating that my payment did not satisfy the entire balance leaving a remaining balance of {$40.00}. This was the exact amount due to satisfy full payment if received by XX/XX/2019. I received a letter from Chrysler Capital dated XX/XX/2019 that full payment has been received and relevant information forwarded to my states DMV for  processing. On XX/XX/2019 I received a prepaid debt card for a " over-payment '' in the amount of {$0.00}. Yes, that's correct, XXXX cents. These are the relevant facts. 

To receive the refund I was directed to activate the card and then apply the amount to a purchase. I exercised the other option of requesting a paper check. 

My complaint is that if I had opted to activate the card, then I would be subjected to $ XXXX/month maintenance fees beginning 12 months from now. This arrangement seems like a scheme between Chrysler Capital, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX. 

It appears to me that I was being nudged to accept and activate a card I did not want, did not need, and accept future maintenance fees, all for the privilege of collecting {$0.00}. 

I allege a scheme between the entities because if I paid the exact amounts to Chrysler Capital, on time, then why is there an over-payment to begin with? Unless, it's intentional to unleash this chain of company involvement to collect money from consumers for products they don't want nor need, nor seek out?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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:
I submitted A dispute prior with all 3 consumer reporting agencies several times in regards to the " XXXX XXXX XXXX  Card '' that appears on my credit report with A balance of XXXX. All 3 consumer agencies updated the account with disputed but did not remove the account. When I received the updated report in the mail it had this account came back as " Verified ''. I then reached out to XXXX XXXX XXXX XXXX  directly and they informed me they had not received the prior disputes from the consumer agencies. They then opened there own investigation and determined this account was NOT my account and in fact A fraud account. I am wondering how was all 3 consumer agencies able to " VERIFY '' an account that the company itself is saying is invalid and fraud? : I went onto the XXXX  website and could not submit documentation because it still says under investigation. However XXXX  and Experian both say online that I am unable to dispute the information again due to the prior disputes. I have attached the letter I reached on XX/XX/20 from XXXX XXXX XXXX XXXX  advising and confirming that the account was fraud and did not belong to me. They also advised they will remove any reporting from all 3 consumer reporting agencies within 45 days. I should not have to wait on this company to reach out to remove this fraud account when I have submitted several disputes and the consumer agencies failed to properly veriy the account according to the FCRA. I am also requesting that all 3 consumer reporting agencies have my name listed correctly as XXXX XXXX as I have sent my drivers license and social several times to have my personal information updated. My last name is no longer 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 non-monetary relief
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
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:
Equifax ; XXXX and XXXX  are reporting incorrectly duplicate accounts of a past due amount of {$18000.00}. XXXX XXXX XXXX XXXX account number XXXX is being reported as a charge-off and XXXX XXXX XXXX account number XXXX is being reported as a collection. ( Please see attached page from my credit report. ) The charge-off account number XXXX needs to be removed from my credit report. This inaccurate reporting of a charge-off account is harming my credit score. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/XXXX I got a call from convergent collection agency stating that I owed an {$800.00} debt to XXXX, and they were pressuring me into paying over the phone at that time, so I told them I would call back, and I reached out to XXXX, seeing as how I am a current customer with them and have never missed a payment. The representative that I spoke to checked my current account that I had joined with my husband, and didnt find any descrepancies. From there he attempted to check the account we had closed out in store, when me and my husband merged phone plans. He stated he was locked out of the account since it was closed and I never set up a pin for it, but that it did not come up as flagged as delinquent nor did it flag as being sent to a collection agency. On XX/XX/XXXX I checked my credit report which I do quite often, and it showed a delinquent mark/ debt collection from XXXX. I called XXXX and after allot of being sent back and forth they were finally able to retrieve my closed account, and then confirmed that I had an {$830.00} bill that they had sent to collections. My complaint and what I would like to fight is that I closed my account and added a new one, The same day in store. And would have payed any balance I had if I were told. But not only did the in store manager not inform us of that there was anything unresolved with the account, we never got any bill, or any communication from XXXX saying that I had owed them anything. I closed that account out in XX/XX/XXXX, but was still a customer with them, in good standing, and it took 2 years for a debt collector to reach out to me about the balance, that XXXX representives could not verify until a few days ago. Now my credit report is damaged, and I would like to fight this. I would pay what money I am found to owe, but I would like this expunged from my 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 2018-06-18
Company: Big Picture Loans, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I filled out an online application with Big Picture Loans. The loan was for XXXX with a total monthly payment of XXXX for 10 months.I agreed to those terms.The true payment is XXXX for 26 months or XXXX for an XXXX loan.Once the loan funded I was able to see my truth in lending document which shows an interest rate on 697.09 % on an XXXX loan. I called the company on XX/XX/XXXX and was told that since the documents was already signed and money deposited that there was nothing I could do. I was told that they do not operate under US law and that they operate under Tribal law. They are now calling me daily. I explained to the representative that I will gladly pay back the XXXX however was told that XXXX would only cover the interest. Im at a loss of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: AmerAssist A/R Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Total Card, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A job offer ran my credit report and this was on my credit. I sent in all paperwork requested except police report as they would not release any information to me. I did not open a card I think it is. I asked them to send me information on this account also and they will not provide it. XXXX XXXX XXXX ACCOUNT XXXX {$230.00}. Several emails

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I applied for a refinance with BBVA employee XXXX XXXX. 

I was told I was approved and the next week they scheduled an appraisal of my home and charged my credit card {$550.00} for the Appraisal and another {$32.00} for the credit check. 

For the past 4 months I have continued to be told that I was approved for the loan and that they were behind with processing loans because new home loans were being done so people would not become homeless. 

In XXXX XXXX told me not to make my loan payment to the current mortgage company, because the refinance would be done. It was a good thing that I did not listen to him and made my payment, so that I would not XXXX  up my credit, because it is now almost XXXX and the loan has not been completed. 

I am out {$580.00} for an appraisal and a credit check and BBVA has failed to provide me with a loan that they had promised me. 

I was notified by my insurance company that BBVA has now listed themselves as the Mortgage holder on insurance, which has now caused an issue for me with my current mortgage company. 

XXXX stated that this was being done because the loan was going to be closing soon, but this was done on XXXX and I can not get response when the loan is going to close and it is now XXXX. 

I have emails of all the above conversations with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a bill from XXXX approximately XXXX. I explained to XXXX I never had an acct with them. XXXX sold the acct to midland funding. In XXXX midland funding filed a suit against me in XXXX county nj. I won the case and case was dismissed. since XXXX I have contacted midland 4 times about removing this from my credit. I have been lied to given the run around and the company has shown no concern with this. this is still on my credit causing my score to be lower. I had no knowledge of CFPB until today. Anything that can be done would be appreciated. Thanks midland funding XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  and Transunion are reporting incorrectly duplicate accounts of a past due amount of {$18000.00}. XXXX XXXX  XXXX XXXX account number XXXX is being reported as a charge-off and XXXX XXXX XXXX account number XXXX is being reported as a collection. ( Please see attached page from my credit report. ) The charge-off account number XXXX needs to be removed from my credit report. This inaccurate reporting of a charge-off account is harming my credit score. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.

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