BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
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 sent three letters to XXXX, Experian and XXXX with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have dispute an alleged debt from XXXX for {$490.00}. The collector has never sent me any documents proving i owe the debt or how they claim i owe exactly {$490.00}. I do not agree so i disputed it. They allegedly verified it with the credit bureaus. They did not do a reasonable investigation and have failed to provide any proof. They also have been harassing me on my personal cell phone.

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 2019-02-28
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX, XXXX is using extremely harassing tactics to collect allegedly unpaid toll on behalf of XXXX XXXX XXXX. I opened a XXXX XXXX XXXX account shortly after those were instituted. I have a payment card on their file since that time. Last year, my bank account got hacked and I had to get it closed. For a few business days, the card on file was not working. I updated my payment information on the account soon after receiving the new debit card. Unfortunately, during this brief period, my card ran out of {$35.00} required balance. Their attempt to charge the card failed. Shortly after I received a delinquency letter from the above mention collection agency mentioning that I have unpaid tolls and I have to pay fine. They sent the case to a collection agency without asking for any explanation or attempt to collect from a customer who has a payment method on file. I contacted XXXX XXXX and informed them with my situation. I was told to contact the collection agency. The agency does not provide any website address, email address or fax number. So, I called them. They offered me a discount on fine. I asked what fine? I did not do anything wrong and by having a payment method on file I am showing that I do not want to avoid tolls. I offer them to charge my card on file for the amount equal to the charge for missed tolls. They refused and gave me an option to challenge. Challenge can only be done via mail. I mailed the challenge. Later on, I got the letter mentioning that they could not process my petition because they do not have the necessary documentation. So, I printed my record from XXXX XXXX XXXX website and mailed them. I was waiting for a decision. In the meantime, I got another letter asking for payment, as if there was no challenge in the process at all. I request you to please, stop this harassment, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was sent a collection notice from SCA Collections in North Carolina for an amount due to XXXX for pathology in XXXX 2017. The amount is not disputed ( {$200.00} ) however the method at which XXXX conducted themselves should be examined. 

I never received an invoice from XXXX, I thought they were just behind in their billing and expected a bill to arrive soon. What I received was a collection notice threatening to tarnish my credit history. I question the relationship between XXXX and the pipeline of unsuspecting patients like myself who find themselves thrown into the seedy practices of a collection agency. 

Without hesitation, I paid the amount of {$200.00}, it matched what my health provider estimated would be my portion. After paying I now question the tactics used by XXXX in conjunction with SCA Collections. I 've been compromised, my personal information and credit history have now been put at risk. How do I know that SCA is legitimate? No bill or communication was ever received from XXXX that they were sending this to a collection agency. This is foul play.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I contacted Renton Collections Inc and made a {$75.00} payment on a {$350.00} collection balance. This debt was originally a medical bill from XXXX XXXX XXXX XXXX, Washington. After making that partial payment, the collection balance should have gone down to {$280.00}. 

On XX/XX/XXXX I contacted Renton Collections Inc., of XXXX, Washington. again to clarify my collection balance and pay off the correct balance in full. Their representative at that point verified my personal information and informed me that I had a balance of {$330.00}. I asked her why my balance isn't reflecting the partial payment I made in XX/XX/XXXX, and her response was that they are charging an interest rate on top of my original medical bill. 

I am submitting this complaint in reference to the Fair Debt Collection Practices Act, section 808, line 1, which states the following : 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

This means that, unless the original creditor, or to whom the debt is owed to, has already included in this debt any interest or fees, and/or has disclosed in an agreement creating the debt that interest is to be charged on any balance, it is against this law for any collection agency to collect interest on such debts. This even more applied to medical bills as hospitals do not charge interest for services provided!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought something off XXXX on XX/XX/19 XXXX is in the USA This company charge {$.00} on XX/XX/19 They said that the seller was overseas and visa charged this to convert the currency. 
XXXX said that they do all the converting. 

On XX/XX/19 they charged {$2.00} in interest This credit card has a no interest introductory offer until XX/XX/19 They said it was because of a XXXX XXXX   transaction done XX/XX/19 and that they can charge interest on that. 

I was told if I paid at least the XXXX XXXX transaction amount plus the minimum due that it would be no more interest charges I paid over the amount stated Then on XX/XX/19 they charged another {$2.00} I could get a satisfactory answer on why

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 2019-08-03
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AD ASTRA RECOVERY SE ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$980.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2013 an has been reported to the FTC and authorities as Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have discovered some inaccurate information on my credit report. Therefore, On XX/XX/2020 I requested an explanation or an investigation from the credit bureau for inaccurate information listed on the letter. After months waiting, I have not been provided with any information about from the credit bureaus. And I would like an update on my credit within 30 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: M&T BANK CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account opened early XXXX. My boyfriend put some of his paycheck into my account to save time from having to transfer it over to me. Bank froze my accounts and asked to go to a branch. I provided the requested identification documents, but the nearest branch is XXXX miles away. Bank has not responded since and when I called in, they stated the account was closed. I am unable to log into the account and have no idea where the funds are ( XXXX ) dollars. 

I want a check for the balance in my accounts and thats it, accounts can remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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 reviewed a copy of my credit report XXXX ran an unauthorized credit inquiry on me on XX/XX/2024. I never authorized such action please removal these immediately please. I am requesting an updated copy of my credit report, which should be sent to the address listed above. If you have any questions or need additional information, please contact me at ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We closed on our home XX/XX/2018 and were informed during the closing that in South Carolina we would have to demonstrate to the Tax Assessors office that we lived in the home in order to receive the 4 % tax rate. However, closing costs were calculated at 6 % and mortgage payments would be made at the 6 % rate until the assessor reduced the amount and sent us the final bill. We proceeded and received the XX/XX/2018 final bill on or about XX/XX/2018 and sent it to LoanCare ( attachment : Tax bill ). LoanCare responded XX/XX/2018 ( attachment : First response ). After that response, I called LoanCare who then told me that I needed to submit an Escrow Analysis request in writing which I did ( attachment : request ). I received acknowledgement of the request ( attachment : acknowledgement ). I called to inquire based on their response on or about XX/XX/2018 at which time I was informed that it was not complete yet. I followed up on XX/XX/2018 at which time I was told that an escrow analysis would not be completed until XX/XX/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 2021-05-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
For years I've been struggling with opening up a bank account. Before Ive tried going to the police going into the banks myself and trying to open an account. I'm trying get to somebody because ive been trying to purchase a home for the past couple of years and im not able to save any of my money through prepaid cards or even live my life as an actual adult due to all these early warnings.

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 2019-10-26
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
As of XX/XX/2019 Citibank charged me a maintenance fee of $ XXXX.My account at the time had {$0.00} available.I was then charged a {$34.00} overdraft fee on XX/XX/XXXX. 
How can a bank maintenance fee authorized by Citibank be the cause of my account to go into the negative and then be charged an overdraft fee the following day for insufficient funds? 
The Citibank customer service reps agreed with me but then stated there is nothing they can do about it. 
If I authorize a transaction that exceeds my balance and the bank pays the transaction on my behalf would justify the cause of an overdraft fee.This just doesnt seem right at all. Please help.

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 2021-05-03
Company: EQUIFAX, 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:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.

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 2019-02-27
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I submitted a complaint with the XXXX XXXX XXXX on XX/XX/XXXX about a charged-off account that I was a joint owner on with Santander Consumer USA , Inc. The company responded on XX/XX/XXXX with a response and submitted documents that were sent out to inform of the defaulted loan in the amount of {$670.00} according to the document and the sale of the auto on XX/XX/XXXX. I was never informed of the default of the loan or sale of the vehicle at auction in writing. The documents Santander submitted all show an address that I have not resided at since XX/XX/XXXX. The documents also show that they were addressed to both owners instead of separately, which if done so the documents would have been forwarded to my address at that time and they were not. I lived at the address in XXXX, FL for 2 years ( XX/XX/XXXX-XX/XX/XXXX ) and did not receive any documents of delinquency. I discovered the charge-off of {$11000.00} by checking my credit report. The joint owner on the account recently passed away due to long standing health complications ( physical/mental ) from the military on XX/XX/XXXX. Still til this day of XX/XX/XXXX, I have not received one physical document in the mail from Santander about this account and my current mailing address is listed on the documents they submitted to the Better Business Bureau. This debt has caused me tremendous problems when it comes to obtaining credit elsewhere and also when looking for a home whether renting or qualifying for a mortgage, which have ended in denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: MO
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  ; Experian and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue 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
Consumer complaint received 2019-02-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Lease was a 36 month agreement, starting XX/XX/XXXX with  Chase Auto Finance with myself as the cosigner and my father as the main signee. In XX/XX/XXXX, my father XXXX   XXXX due to XXXX. Rather than sending further bills to myself, Chase stopped sending the bills despite the lease being pay bill by mail. I called on XX/XX/XXXX and paid by phone after dealing with a customer service representative who assured that all bills would be sent to myself till lease was completed. Instead, however, they continued to refuse to send the bill, all while charging me and adding late fees to my account. They additionally marked myself as having delinquent payments and tanked my credit rating despite never contacting me at all in those months, nor trying to collect. They only got in contact with me on XX/XX/XXXX to try to threaten me with taking me to loan collections, months after they'd already said they'd send me the bills and failed to do so. Further phone calls reiterated that while they had messed up, they refused to do anything about the marks applied to my credit rating as well as blamed me for their failure to send the bill, stating that it was something I could mail in despite never receiving said bill. I paid the next day by providing my bank account information in a call with Chase Auto Finance. On XX/XX/XXXX, they called again to ask about a late payment for yet another bill, despite having said they'd send the bill on the XXXX back when I talked with them and that I had tried to pay everything off just a few days earlier on the phone. 

I inquired then as to the black marks on my credit rating that they had applied, and their response was to to effectively tell me that it was not their problem, and that I was to blame as I could 'send the payment in by mail ' despite Chase Auto Finance never sending said bills. They fully expected me to pay bills off without receiving any and got defensive when I asked how they expected me to pay by mail without ever receiving said bills before terminating the call. Chase Auto Finance has made it clear that they do not care about keeping their end of any agreement signed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made several attempts to reach out to this company Commonwealth Financial to have the negative remarks they report and update on my credit each month removed. I have never authorize or open an account with this company. This company is intentionally ruining my credit. They claim they have mailed me out bills but I have n't received anything from this company. They constantly hit my credit with an amount of XXXX and XXXX dollars. It reports on credit as a new loan. If this company can not produce a signed contract from me, the consumer, they must remove the debt from my credit report per the FCRA. These amounts are updated each month as if I took out a debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
They are reporting inaccurate information on a paid off account. {$150.00} at the place where the debt come from but its still have it reporting on my credit report.

Company response to consumer: Closed with explanation