BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a auto loan with Wells Fargo dealer services. I called on Tuesday XX/XX/XXXX to close the loan. I was told Im not allowed to make payments over {$4900.00} and would have to make 5 separate payments over the next 5 days but only 2 payments can be scheduled at a time. Or I would need to pay {$65.00} for a wire transfer fee and estimate the days required for them to process it and add additional interest. I dont feel its right to be forced to pay interest because the bank cant handle a payment. After looking at all payment options it appeared to be cheaper to make 5 payments of {$4900.00} until it was paid off. However the first payment I made they applied to the next 4 months of payments rather than the principal and charged additional interest on top of the daily interest. I am now forced to drive an hour and pay cash in person at the bank. I dont think they should make you jump through hoops to make payments and charge interest whenever they want. The customer service representatives stated that anything additional would be applied to the principal. That was a lie. It was applied to the next 3 payments and additional {$18.00} in interest was charged. I always pay on time and have had multiple car loans. No other loan company has ever been so dishonest or make it so difficult to make a payment. They would rather just squeeze you for as much interest as they can.

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 2021-06-09
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Procollect has a charge for {XXXX} reporting to my credit since XXXX, 2018 as well as XXXX XXXX XXXX XXXX in the amount of XXXX}. I've had this investigated by XXXX police department ( police report filed for identity theft ). The apartments had no information to give therefore this needs to be removed from my credit immediately seeing that it is hindering me from somewhere to live! Procollect is extremely unprofessional concerning this matter and I've sent them the police report, which they state they never received ( emailed directly to the email given by representative, sent certified mail as well ). I've also reached out to the credit bureaus and they also claim they never received the police report but that was certified as well. All these people are trying to do is stay afloat since the Pandemic by keeping people in hardship even though its not their debt. This is sad and extremely disgusting that these people are doing this. I have XXXX children and I'm expecting another by the end of this month with no where to properly live because these people have put false information on my credit report! I NEED THIS REMOVED IMMEDIATELY!

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 2020-02-04
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The previous mortgage servicing company, XXXX, apparently went out of business and the new mortgage company, Newrez took our account over on XX/XX/XXXX of this year. I had to wait until XX/XX/XXXX to make my payment online because Newrez was not prepared to process payments until then. I have always made my payments online and almost always on the first of the month. When I went to make my payment I found that the site was charging me {$1.00} to make the online payment. I called Newrez and their representative assured me that the site should not have that charge on it and that I would be reimbursed. I went online to make my XX/XX/XXXX payment only to find that the site again is charging {$1.00} to pay online. This is a violation of my mortgage agreement and Newrez is perpetrating a fraud on myself and other mortgagees. 

I sent an email to Newrez via their " contact us '' link on XX/XX/XXXX indicating that I wanted action taken on this matter. I advised them that I would contact the Federal Consumer Protection Bureau if they did not get back to me. I provided them with my phone number as requested on the Newrez " contact us '' site. I have not gotten any call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Ask them to send payment quote and they say {$60000.00} was due on home. This look like a balloon payment that we don't know where it came from. We missed 6 payment so the Government paid this amount {$24000.00}. Don't know why it is so high. I don't know where the {$34000.00} came from. We have been in this house since XX/XX/XXXX and only missed those payment when unemployed. We don't know what to do about this, I t is due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went down to my local police station and filed a police report when I discovered accounts has been manufactured in my name. I had the police report stamped and I filed a repot with the FTC. In addition, I went and saw a notary and had all documents notarized.

I submitted the documents/information to the bureaus and the unknown information remains on my credit an I have not received a new credit report to show the information was disputed. 

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX US BKPT Identification Number XXXX US BKPT Identification Number 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 2018-08-02
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
We bought a new car on XX/XX/18. We are co-owners. The dealership submitted numerous applications to secure the loan. We were ultimately approved for the loan by a credit union for an interest rate of 3.99 %. XXXX  was one of the lenders that denied the loan. My complaint is that we did not receive our credit denial letters from XXXX  until today, XX/XX/18. We received one letter for each of us. The letters are dated XX/XX/18. The Fair Credit Act states that creditors only have 30 days to send denial of credit letters. It even states on the bottom of our letters that our credit was pulled from XXXX  on XX/XX/18. XXXX is obviously considerably over the time that the law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Midland Credit Management has been Harassing me and are trying to destroy my character by reporting inaccurate information to major credit bureaus for a debt they didnt provide validation for. I sent by certified mail a request for validation, a cease and desist letter which they ignored which is a violation of 15usc 1692c and a {$3000.00} invoice for the violations the have committed. My certified mail was sent on XX/XX/21 and received on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had received my replacement reliacard in the mail and activated it and began using it with no problem. On XX/XX/XXXX while trying to make a purchase in store it wouldn't accept it and said invalid card. Called the number on the back of my reliacard and spoke with a rep who informed me my card was made inactive due to an address change and that I needed to fax a copy of the front and back of my ID and a piece of mail with my address on it to them. Enlarged by 200 % and 2 shades lighter than original. I never did an address change or requested one but on the following day XX/XX/XXXX between XXXX and XXXX I went to the local branch library and paid to fax the documents that the rep said I needed to fax. Ive called from that day every day to today XX/XX/XXXX and finally got to speak work a supervisor and was told they had not recieved my fax and I need to fax in the documents and card ID number again and then not to call back no sooner than Friday maybe Tuesday.

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 2018-08-02
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:
I contacted XXXX XXXX. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told XXXX XXXX that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX XXXX  treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.

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 2018-10-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To whom it may concern, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX  XXXX to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosures : Identity Theft Report FCRA Section 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 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Transunion about inquirys and I told them that I did not give permission to these companies. They told me to file a report with FTC and I did. The do nothing and make me keep calling and calling and no nothing.

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 2018-11-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Harley Davidson Financial Services Inc
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
They tell me XXXX is the only one I can speak with but she refused to accept my calls. Or return them. Customer service representatives are purposely putting me on hold never coming back to the line. They are attempting every effort they can to prevent me from resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a charge on my statement from XXXX XXXX for {$14000.00} dated XX/XX/XXXX. this transaction is fraud and I reported this charge to chase as fraud by phone, and again by a letter. At first Chase gave me credit for this transaction in XX/XX/XXXX, but later Chase made me crazy, dragged the process and ultimately they closed the case and rebilled my account without merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: LA
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 have been trying too talk with Experian over and over again and I'm getting no where at all with them, They have never honored any of my disputes, and I'm paying {$19.00} and I'm paying for the three credit monitoring reports Experian can never get my XXXX and XXXX credit report  correct and I'm paying them too get my credit report correct Iv'e sent them five copies of my XXXX  XXXX  and my XXXX and my XXXX XXXX payments and can't Boost Up My XXXX XXXX XXXX XXXX XXXX bills and There App is never working correctly ( Correctly..!!! ) Iv'e sent them a dispute letter on XX/XX/2020 by certified mail and they claim that they have not received it yet and won't be doing a investigation on my dispute and I'm faithfully paying them, I want all of my 11 closed accounts deleted erased with-prejudiced, I want my Boosts Boosted up or my money back. I want my inquiries also deleted erased with-prejudiced..

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 2021-07-10
Company: Chrysalis Holdings LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since last year, VA XXXX XXXX have been sending letters to my home, addressing them to my husband, a war XXXX vet. The problem is that he died 5 years ago. We, my son and I, have been contacting these companies. They do not indicate company names in their correspondence, so we have had to call and email them requesting cease and desist, because he ( we provide name ) is deceased. If we talk to them they agree to do so, but then, their letters keep coming. I am not sure if they are accessing my husband 's information. If they were looking at county information, my name would be there, as a vet and home owner and I have received no correspondence from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: CURO Intermediate Holdings
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The company XXXX XXXX XXXX appeared on my XXXX credit report on XX/XX/2017. It appears to be personal loans company under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing or loan acquirement and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, 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:
I have some accounts that I don't recognized and or that it's not my accounts that should be on my credit. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing because XXXX XXXX has sent my account to collections and the Collection agency reported me to the credit bureaus. I had moved and they sent the statements to the old address and I also PAID the balance. 

Also under the CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis, They reported me in XXXX, They need to REMOVE it from credit bureaus. I don't want them to JUST update it, they have to completely REMOVE it from ALL the credit bureaus or from the ones they reported it to. 

My score dropped significantly and I'm in the middle of getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted XXXX XXXX five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.

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