BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-13
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I set up auto pay for my American express card so payments will be on time. After completed the form in their system ; it confirm that payment will be taken out on XX/XX/XXXX. Well XX/XX/XXXX came and no payment was taken out and i was assessed a late fee and late payment report to credit bureau. This was not right because their system was incorrect and when I contact the service department. They make it seem like it was my fault. The same thing happen prior month in regards to auto pay. Also, I originally had choose a minimum payment of {$40.00} but because of the late penalty. I have to made double payment. I attached a document that proves that their auto payment system informed me that payment was to taken out on the XXXX of XXXX but did not happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite the compelling evidence I provided and the absolute lack of verification from the purported creditors, you have inexplicably chosen to ignore my pleas for assistance. 
The fraudulent accounts that I insist be addressed are as follows XXXX XXXX XXXX XXXX XXXX Your apparent indifference to my repeated requests for resolution is nothing short of scandalous. 
Your egregious failure to uphold these obligations has caused severe harm to my financial well-being and emotional distress that I can no longer tolerate. I will not stand by idly while your organization continues to neglect its responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the company SCA collections and asked them to update the credit report and they have not yet. Please help me to get this resolved and removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been charged an " credit life insurance fee '' of various amounts. The website does not even allow me to look at statements further than XX/XX/2018. It says access blocked which is absurd since it is my account. 

Starting from XXXX XXXX, I was charged {$26.00} XXXX XXXX - {$39.00} XXXX XXXX - {$33.00} XXXX XXXX - {$34.00} XXXX XXXX. - {$34.00} XXXX. XXXX - {$33.00}

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 2023-10-09
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I tried to log into the account to see my account. I forgot my password and attempted to change it but never received the link to do so. That was on XX/XX/2023. I emailed them to tell them I cant afford the the loan payment. Ive heard nothing back. That was XX/XX/2023. 

Finally, Im not even sure what kind of loan this is. I think it is federal, but Ive had so many in the past, I dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX / XXXX /   17  - I calle d Pentagon FCU to en sure our  XXXX  payment had been made as my husband had passed away on  XXXX / XXXX / 17 . The mortgage was only in his name. I paid the mortgage and was asked if I would like to be contacted in regard to my options for the mortgage going forward. I said yes. From this call all my joint accounts were frozen.      XXXX / XXXX / 17  -  I  hand carried the paperwork and death certificate to the main branch of  PenFed  in  XXXX  VA. It was to be faxed to the estate department o f PenFed.       XXXX  - I called as I have not received any information regarding the mortgage, I do not have access to the information regarding the mortgage, and I have to call each month to make a payment and I have to remember to place the call. I was told that it was necessary to provide a death certificate - told them that had been done a month prior and that it was hand carried to them. I was told that someone would contact me - still no resolution or correspondence from  PenFed regar ding the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent money {$1000.00} from my citizens bank XXXX on XX/XX/XXXX to XXXX XXXX  and it was taken out of citizens bank with this info Trace number XXXX Confirmation number : XXXX - then XXXX XXXX closed my account and said never received money but citizens said it left my account and said to contact XXXX about where the money is so this complaint is directed to XXXX to find where my money is I need it to pay bills

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-11-17
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I reached out XX/XX/XXXX in regards to the deferred interest because I am trying to do a refi out of this loan with another company. I was told the amount, I paid it and now there is another amount added to my account and no one will call be back. 

I call daily and leave messages with my phone number and still no response. They are holding me XXXX in this loan and my new loan agent can not move forward until the deferred interest on the payoff request is 0. They keep adding more fees and amounts and wont explain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was charged extra money on my bank statement for atm withdrawals

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 2017-12-18
Company: Early Warning Services, LLC
State: MI
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:
ACH transactions from an account at XXXX XXXX ( {$900.00} on XX/XX/XXXX, {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to XXXX   account number ending in XXXX listed on the EWS report. 

XXXX 's records do not indicate that I have ever had a relationship with XXXX per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by Early Warning summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medicredit debt recovery company has contacted me regarding a debt owed from XXXX XXXX XXXX XXXX. Medicredit has failed to provide a debt validation letter in writing, and their right to collect on behalf of XXXX XXXX XXXX XXXX. I have requested this information in writing and they denied my request for information over the phone. Additionally, I have never received any mail correspondence on this debt. I requested that a supervisor return my call to discuss this account on XX/XX/XXXX, and have yet to receive a call back. Medicredit also tried to say that I attempted to pay the account off via credit card but the card was declined for unknown reasons. I never authorized such a transaction nor can they provide documentation that I did. I want this resolved as quickly as possible because I am fearful that they will negatively impact my credit report.

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 2020-09-21
Company: DriveTime
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a used car from DriveTime/XXXX in XX/XX/XXXX. I was encouraged to purchase extended warranties to the tune of $ XXXX. In XX/XX/XXXX I learned that the vehicle was losing coolant. I would add coolant and continue to do maintenance with oil changes until XX/XX/XXXX when I took the vehicle to the dealership and learned that the engine needed to be replaced. I notified DriveTime and I was given 800 # s for customer service but did not gain information as to how to get help. So, I had to rent cars so that I could get to and from work, causing me another hardship as rental cars were not in my original budget. I continued to try and pay the note on the car along with my other bills. When I was laid off at the end of XX/XX/XXXX, I began to re-contact DriveTime/XXXX and was told to take the car to their mechanics at XXXX XXXX in XX/XX/XXXX. Initially I was told that they would replace the engine and then they changed their mind. I asked to know who the adjuster was and how to contact that person and was not given any information. I recently spoke to an attorney about my contract and was informed that I would have to go thru an Arbitrator before I could take them to court. I can't afford to pay an Arbitrator an hourly fee, pay my original bills and fulfill a contract of {$30000.00} over 5 years and 8 months on a car that is worth less than $ XXXX. I went to this car dealership trusting them to stand behind the products that they sold me. Now they do not want to honor their XXXX 5 yr, 50,000 mile warranty that should protect this cars engine.

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 2022-02-13
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After several attempts sent to credit bureaus about the alleged debt being a victim of identity theft i sent over repeated documents and this is still on my consumer report. Sending over several ftc forms WHY IS THIS STILL BEING REPORTED

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 2022-02-13
Company: CBC Companies, Inc.
State: NJ
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:
While checking my personal credit report I noticed an Inquiry made by Factual Data. I did not authorize anyone employed by this company to make an inquiry and view my report. I request that a copy of my signed authorization that gave them the right to view my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: DE
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:
After several attempts of disputing this fraudulent activity on my consumer report and asking these items be removed due to identity theft after sending in several ftc forms thru the credit bureaus and they respond and say this alleged debt is accurate and I am the original creditor i can only verify debt as true based on 15 USC 1692c i am invoking my specified remedy as the consumer and original creditor I am demanding all late, negative and all fraudulent activity be removed to correct my consumer report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CITIBANK, N.A.
State: NM
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In mid XXXX my Citi credit card bill showed charges for XXXX services. I called Citi and disputed the charges. I informed them that I have never used XXXX. They closed my account and issued a new card. I did not use the card for some time and when i looked at my online statement three weeks later there were now nearly {$5000.00} in XXXX charges. I called to ask how that could happen. They admitted that the charges had occurred on XXXX XXXX and that they had automatically updated my card number on XXXX XXXX  and that they had deals with merchants like XXXX and had updated XXXX autopay with the new number. I again informed them that I have never used XXXX and do not have an account with them let alone an autopay. I disputed every XXXX charge. They again closed my account and issued a new card. A week later i received a letter reminding me to update my XXXX autopay because there were charges pending. I again checked my online statement and discovered that less than half of the XXXX charges showed as under dispute. On XX/XX/XXXX, I received a letter stating that since my phone was in my possession there was no fraud in I owed XXXX.. I again called them and again told them that I do not have an XXXX account. On XX/XX/XXXX I received another letter stating that since my phone was in my possession there was no fraud and now I owe {$5400.00}. Interest charges are accumulating and my credit score has already dropped fifty points. The letters also state that if i do not pay they will report to all three credit agencies that my account is past due. They have also repeatedly refused to tell me where the XXXX charges occurred. This is the treatment that i get after being a Citi customer for 29 years.

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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several online disputes have been sent to Transunion directly through their site as well as the CFPB portal. These disputes have included the FTC report, a copy of my DL and lease as well as proof that my identity has been compromised on the dark web. Yet, Transunion has repeatedly refused to remove the once deleted XXXX XXXX XXXX account from my credit report. Additionally, they reported that the fraudulent account has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have this account removed from my credit report because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE 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 2021-01-25
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing, loan # XXXX was recently sold from XXXX XXXX XXXX to Midland Mortgage. My loan is currently in forbearance until XX/XX/2021. Since my loan was sold I have been consistently receiving three to four phone calls per day, some pre-recorded some not, informing me that my loan was delinquent and that I should contact the Lender immediately to avoid foreclosure or damaging my credit. 
In addition to these harassing phone calls are threatening letters implying that my loan is delinquent and the lender may need to visit my home. There are also letters some some which I have discarded implying that my loan is delinquent and that I need to contact the Lender.

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 2023-08-03
Company: ENCORE CAPITAL GROUP INC.
State: LA
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:
This account is way too old to still be on my credit record. No information was supplied to me in line with the law. The company still has not removed this from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Westlake Services, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My suv was in a accident back in XXXX. And my suv was towed off the highway and my son was taking to the hospital. The tow truck company lost my suv but when it was found my finance company said that the suv was abandoned but it wasnt I never missed a payment up until that time and I was never late.. The finance company was one day from taking my suv to auction but they had to stop because the suv wasnt abandoned. So I had to pay the tow fees. But on my next bill I had this outrageous amount on my bill saying it was a repo fee! Well I ask how can you repo a car that wasnt repossessed? They couldnt answer that question. And I also found out that they sold my suv to the body shop that was doing the work on the suv and he has the title! And Im still paying on the original contract of the suv.. with everything I have gone through I would like to be directed to a attorney to handle this further..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Every since I opened the account back in 2021 I feel I have been over charged for over drafting my account. I just received a refund today for an over draft for this month but what about all the other months since 2021?

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