BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Wells Fargo is the bank holding my loan at 7.29 % Intrest. Payments are {$760.00} After being laid off from work on XX/XX/XXXX due to Covid-19 by XXXX I asked for a deferment of payments. When I started my Payments, I paid on XX/XX/XXXX payment of XXXX 100 % to Intrest. XXXX XXXX {$1000.00} 100 % went to Intrest. On XX/XX/XXXX Payment for {$800.00}, {$640.00} to Intrest, and {$150.00} Principal with payment Variance {$260.00}. XX/XX/XXXX payment {$500.00} and {$270.00} to Intrest and {$220.00} to Principal. XX/XX/XXXX payment {$760.00} and Intrest {$250.00} and Principal {$500.00}. XX/XX/XXXX Payment {$760.00} and {$520.00} Principal and {$230.00} Intrest. XX/XX/XXXX Payment {$760.00} Principal {$520.00} Intrest {$240.00}

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 2021-04-30
Company: American Coradius International LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail ( date XX/XX/2021 ) from American Coradius International LLC ( ACI ), saying that I owed a debt to XXXX and they are collecting on that debt. 

I do not owe any money to XXXX. I do not know if my identity was stolen or fraud or what, but this is incorrect. After researching ACI a little more, apparently they use these same tactics on/with many others. 

I would like it stopped without having to contact them and reveal any more of my personal information to them, as is being requested in the letter I received. I do not trust that this is not a scam and do not wish to contact them in person by phone, email, website or any other way that would give them more information about me than they have already managed to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. Equifax, XXXX, XXXX. Equifax has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and equifax refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both XXXX and equifax has removed these accounts and blocked them. Equifax has not completed this investigation in over 60 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report and I noticed that I have an item on there from AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX I am not aware of what this debt is related to but I have researched the company to see whom there are associated with. They have placed a debt/item on my Credit reports in the amount of {$4000.00} for a debt in which I do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
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: Their investigation did not fix an error on your report

Complaint:
I contacted Experian by mail XX/XX/2021, to informed them they were reporting wrong information on my consumer credit report. Because of there inaccuracies it's hurting my potential to acquire a descent mortgage loan, it's hurting my credit worthiness.They 're reporting late payments on 5 accounts, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Also I contacted XXXX and XXXX at the same time by mail. Both of those consumer reporting agencies changed course and corrected the discrepancy. Experian was the only consumer reporting agency, that continued to report inaccurate information. I tried calling Experian 2 more times this time by phone, XX/XX/2021 and XX/XX/2021. I was told the same information, that the accounts were investigated and is correct. I told Experian that XXXX and XXXX did the same investigations and it proved that I was telling the truth. XXXX and XXXX deleted the inaccuracies immediately. I reached out to all the accounts personally, and did my own investigation. Demanding that they send me documentation in writing, I received a letter from XXXX XXXX XX/XX/2021 stating " There are no late payments showing on the above-referenced account. '' Since that I have reached out to Experian and they still declared it is correct.

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 2018-04-12
Company: CITIBANK, N.A.
State: CA
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:
This is actually a case of BOTH not receiving my bill AND them not applying my payments properly ( TWO TIMES ). It reeks of predatory behavior and the agents I speak to seem to have no idea what is going on short of trying to exasperate me and get me to stop fighting, which I will not do.

On the XX/XX/XXXX, I contacted Citibank regarding my Diamond Preferred Card. I had received a bill stating that I had a past due balance. I spoke to a representative and stated that I wanted to pay my bill in full. I also told him that I wanted to make sure that it hadn't been reported to the credit agencies as failure to pay. He told me he couldn't remove it, so he transferred me to the supervisor. The supervisor was also not helpful.

Two days later, on the XXXX, I received a call from a collection agency at Citibank. They told me I still owed 3600  or so on my card. I explained that I had spoken to someone two days prior and paid in full, she explained that it had not been paid in full and that this might be because I was transfered to a supervisor. I told her not to worry and paid my bill.

Today, XX/XX/XXXX, I received a statement stating I am one month past due and have a {$4000.00} balance. This is including two new, fraudulent charges for almost 600 dollars. I called in and asked why my payment was not processed, and they stated they never received a request for payment.

After 10 minutes of arguing, they stated they have no notes of any phone calls, either. Only a payment for 220 dollars or something. I asked why they would charge me XXXX dollars if I never called in.

After more talking, they explained that I probably did call in and request to make a payment of 220 or so. I explained that I have paid in full every month I have had a bill. I have never paid " minimum '' or " less than balance '' payments.

Finally, the supervisor admits she can see I spoke to the collections department and can see that I had also requested ( on the XXXX ) to pay my bill, but that the system is not letting her waive the interest or late fees.

This is kafkaesque and reeks, again, of fraudulent behavior on the part of the credit card company. The fact that they can let their representatives NOT take proper notes, then put the onus on me ( the person who ISNT in charge of recording and documenting calls ) to prove that I wanted to pay in full is insane.

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 2018-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I submitted a complaint to Transunion via the CFPB Complaint Portal stating that I sent one letter to the credit bureau on 3 separate occasions on XXXX, XX/XX/2018 and XX/XX/2018. Each time, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for collection accounts listed below that are reporting on my credit report. The credit bureau each time has failed to provide such proof. The complaint number on CFPB is XXXX. 

Transunion responded on XX/XX/2018 stating We do not provide dispute verification responses received from creditors. This response is not only unsatisfactory, it is non compliant and as a credit bureau, Transunion is not following the law. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), as a credit agency, Transunion is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that Transunion has on file of the accounts listed below. Under the FCRA, unverified accounts must be removed and if Transunion is unable to provide me a copy of verifiable proof, Transunion must remove the accounts listed below. Again, if Transunion can not provide Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts you have on file listed below, I demand these accounts be removed immediately. 

This complaint is my earnest attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 

To provide absolute clarity and to leave no further excuses or error for Transunion, I am specifically disputing the items below that include the account names and numbers : 1. XXXX XXXX   - # XXXX 2. PORTFOLIO RECOVERY # XXXX 3. XXXX XXXX   - # XXXX Additionally, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

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 explanation
Consumer complaint received 2018-10-12
Company: Delta Management Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2018, I sent a Cease and Desist letter to the public address of the company including my current contact information ( phone, address, email ). The letter requests that the company cease and desist calling family, personal contacts and co-workers and my workplace.

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 2018-04-12
Company: Select Management Resources, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
You didn't have an option for my problem but here it is. XXXX XXXX keeps calling my cell phone from XXXX and XXXX. I do not have a loan with them or know anyone that does. They asked me if I knew somebody named XXXX and I do not. I have asked them not to call and they do it anyway on my pay by the minute phone that is for emergencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Complaint about credit inquires that are on my account and they are not mine, I called customer service would not delete these. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Servis One, Inc., Titusville, PA Branch
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the sub-prime lending crises, I refinance my mortgage which added XXXX to a XXXX mortgage. I paid XXXX approximately {$170000.00} over 15 yrs. They sold my mortgage to another mortgage servicing company ( XXXX ) in XX/XX/XXXX who then collected over XXXX. XXXX then sold my mortgage to another mortgage co., who are now set to collect another XXXX under an ARM set to balloon in a couple of years with a maturity date in XX/XX/XXXX. How is it that I'm paying 5x the value of my home?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had judgement in XXXX against me with XXXX XXXX. The collection agency Suttell and Hammer is handing it. I was paying {$50.00} a month volunterily since XXXX. Now I have paid over {$2000.00}. 
On XX/XX/XXXX my checking account was frozen with XXXX  balance from a notice from Suttell and Hammer. I called Suttell to asked them why couldn't I receive a notice that Suttell was going to do this since I have been paying them since XXXX I feel this wrong for the company to do this without given me ANY warning and taking ALL the money in my checking account. I have {$35.00} in wallet as I am writing this to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: MI
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 purchased a vehicle in XXXX. Financed through XXXX XXXX XXXX. My vehicle was stolen and my car insurance paid all but {$800.00}. I called XXXX XXXX XXXX to make the payment for {$800.00}. They advised I could pay on it every month until it's paid off. So I made payments every month. In XXXX of XXXX they sent the account to charge off. I never recieved a 30/60/90 late as I was still making payments. I called to ask about this and paid the balance in full. I want this charge off removed from all three bureaus as it was not reported correctly. This is against fair credit reporting. I never recieved any calls or mail stating the account was past due, and it doesn't reflect correctly on my credit report. By law it has to go 180 days before it good to charge off status.

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 2018-04-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
case # XXXX The Huntington National Bank I received a letter from The huntington National bank XXXX XXXX XXXX XXXX XXXX, Ohio XXXX regarding lender paid private Mortgage Insurance I ask the PMI department to drop the ( {$48.00} ) I received a letter informing me that I have reached the 78 % LTOV and 5 years requirement to have PMI drop but the bank will not drop the insurance, I have called, sent in letters also emailed the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08
Company: Summit Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is the name on one credit file and summit financial is on the other credit files I am a identity theft victim XXXX XXXX XXXX lives in XXXX Texas stole my identity I never traveled to Texas at all been in XXXX FL for entire life. I have the texas address listed on my credit file as a formal address?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: WELLS FARGO & COMPANY
State: TX
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:
Wellsfargo acct number XXXX XXXX XXXX. This bank has been applied my payments for XX/XX/XXXX to XX/XX/XXXX to the wrong account. I am willing to pay the amounts due and late payments.

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 2018-06-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was contacted in XX/XX/XXXX from a company called XXXX XXXX. They claimed to receive information from Navient about my existing student loan and wanted to offer assistance through the XXXX XXXX XXXX XXXX. I had an existing student loan balance with XXXX XXXX from my previous degree, and I specifically asked if I was able to quality through them since I had already paid several years with them. They clearly said no and that they would be able to help me with the Navient accounts. I stated I would look into it and thought I did need to do something about my loans but I had NOT yet submitted any paperwork. Shortly after, my XXXX student loan was consolidated to Navient. The consolidation forms were electronically signed and dated on XX/XX/XXXX ( not by me ). My loans were then immediately placed on forbearance. As time passed, I was unaware of what was happening, I contacted XXXX and they stated I needed to sign and submit certain paperwork to continue with the process, however, I did not submit and sign paperwork until XX/XX/XXXX, yet all was done back in XX/XX/XXXX. Today, XX/XX/XXXX, I contacted Navient to find out what was happening with my loans and why I was being charged {$82.00} a month from XXXX XXXX, they did not know anything and were not able to provide me with answers, I was asked by the Navient representative to contact XXXX XXXX. I contacted XXXX XXXX XXXX after my phone call with Navient, and I learned some more disturbing news. The representative from XXXX I spoke to stated clearly that " they had screwed my account '', I was able to qualify for the public service loan forgiveness through them and they would have taken my previous payments into consideration, something that I was told I could not do. I'm very upset and confused on what is happening with my account. 

I do want to stress that in no way is my complain against XXXX XXXX, they have been the only ones to be able to help me and answer my questions. This complain is against Navient and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: The CMI Group, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have made 3 phone calls to the credit collection agency, CREDIT MANAGEMENT, L, advising them that my debt with XXXX was discharged as part of my chapter XXXX filing MY case number with the collection company is XXXX and I spoke with XXXX XXXX - Supervisor in XXXX MN, who promised to address the incorrect reporting but to date no attempt has been made by CREDIT MANAGEMENT, L, to remove the erroneous reporting on my credit report. The debt has been discharged and XXXX XXXX should not be trying to collect on a discharged amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: CITIBANK, N.A.
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:
Since XX/XX/2018 to XX/XX/2018 were made some fraud charges on my citi card, also a call to try to pay it on XX/XX/2018 that I never made or autorized. 
I notified to the bank as soon as received the statement on XX/XX/2018. 
According to the bank statemen the fraud charges were made in XXXX, a Country that I never visited neither my family. 
In that period I travelled to XXXX and informed previously to the bank according to their requirement. 
I notified them that I and my family to be in XXXX from XXXX to XXXX. 
They opened a dispute but already closed it not in my favor. 
I believe that they handled the dispute not very well because I gave them a lot of information and it is obviously that there was a fraud. 
I hope you can help me mi, thanks in advance.

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