BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My account was placed with a Company named Pressler and Pressler in XXXX NJ. I owed a bill from XXXX back in XXXX. Pressler and Pressler bought the account off XXXX and then reached out to me regarding a past due balance I owed. However after many years of the back and forth they reached out to my Employer for a Wage Garnishment which took effect on XX/XX/XXXX and every 2 weeks moving forward 10 % of my income would be deducted from my pay until the Balance was paid in full. Up until today 's date XX/XX/XXXX the balance owed is/was {$680.00}. On Friday XX/XX/XXXX Pressler had a Bank Levy put on my account and withdrew {$1200.00} and a {$120.00} processing fee. After contacting Pressler on the same day of XX/XX/XXXX and speaking with a Gentleman, he told me that I owed the account for years and that the Levy was placed because no payment or agreements were made. I explained to him that I had proof from my Payroll company that payments were in fact being made and I could provide proof if needed. He informed me that being the account was owed for years and since the Bank Levy took place already that if there was anything they could do it would be to subtract what I made in payments once verified or they would continue with the Garnishment and send me back all of the {$1200.00}. but more then likely it would be to send me the difference of what was withdrawn from my Account. He said he would call me back by XXXX the same day and no one has yet to contact me. I have yet to hear back them or receive any monies back in my account and due to this unnecessary Bank Levy they put on my account it has caused my rent to be late, bills to be late and my Checking Account to be overdrawn with overdrafts fees that I am accumulating from things coming back and not being paid and has caused me great financial burden and stress as I have XXXX children to take care of due to what this Company has done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy. 




15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX from IQ Data International contacted us ( XX/XX/2019 at XXXX ) trying to ask about all of our personal information. My husband hung up on him and he called me back and told me I made my husband hang up bc I was in the background telling him not to give our personal info to someone we dont know. I asked for a bill and he refused and said if I didnt want to pay my debt then it would ruin my credit and I told him that I didnt say I wasnt paying it I asked for a bill, the entire time he kept talking over me and telling me how this was going on my credit report. 

He kept yelling and talking over me so I asked for a supervisor. XXXX XXXX came on the line and was still rude to me. She said if I wanted a bill I had to request it via mail and I said I never heard of it being done that way and she was just making me feel horrible because I said Ive never heard of someone asking you to pay a bill but wont send you a bill. I asked for the address and other info needed and when she told me my account number I asked if it was alphaneumeric because I couldnt tell if she was saying H or 8 and she was, you guessed it, rude. I asked my husband if he heard H and he agreed it sounded like H then I asked for the amount owed and she was rude again telling me that the amount today is less than the amount tomorrow. I asked her to confirm the amount of interest and again, rude. 

I understand theyre trying to collect a debt but I dont understand why theyre so incredibly rude about it from the start.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
I purchased a vehicle from Santander Consumer on XX/XX/XXXX with an extremely high interest rate which I assumed was due to my credit score. The vehicle was stolen on XX/XX/XXXX. The police found the car and returned to Santander and they sold the vehicle. After the vehicle was sold, my Gap insurance kicked in and Santander advised that vehicle was sold and I had to pay remaining balance. I reached out to Customer Care several times to settle balance and to inquire about the interest rate and was offered no assistance which is when I requested to speak to a manager. I was given the run around and was told several times that a manager would reach out to me and no one ever reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, On XX/XX/2019 my score was XXXX. 6 days later the scores with XXXX XXXX, XXXX, Equifax, and FICO all went down to the 670s, ranging from 670-673. In the last 90 days, I opened a credit card that always stayed at 40 % of the balance. I also renewed an Income Based Repayment plan with my student loan creditor, XXXX XXXX XXXX. 

I was confused as to why my score went down and so are the employees at the credit reporting agencies. They have been unable to tell me why my credit score went down so suddenly. I'd love some advice please. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX BANK, XXXX. - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


XXXX. XXXX XXXX  XXXX  XXXX XXXX Original Creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX OF XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX DC on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: ONLINE Information Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Local utility company XXXX XXXX XXXX entered incorrect address and banking information when I opened my account. I paid the account when I closed it, but the phone agent did not get the account information correct. Months later, the utility sent the account to collections. I never received any correspondence to pay from the utility. I never received any correspondence from the collection agency. I received notice from the XXXX XXXX XXXX XXXX credit monitoring service. The collection agency put three items on the credit report. Two were for the debt, plus one skip tracing item. I called the collection agency and paid the amount they wanted. I called the utility to inquire. They verified that they did not enter my address and banking information correctly. I ended up with three lines on my credit report plus had to pay several fees for an error that was on the part of the utility company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XX/XX/XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.

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 2018-03-25
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello My name it XXXX XXXX, i am writing this regarding about discover credit card. In my discover credit there were multiple charges from XXXX XXXX. Those transaction was made between XX/XX/XXXX to XX/XX/XXXX. There were 5 transaction was made total amount of XXXX which i am aware of it. There was a incident happen on XX/XX/XXXX i went to XXXX XXXX  to get something when i got home i didn't have wallet with me. On that time my discover card was in there. then i realize that i may have dropped my wallet at the XXXX XXXX and i was right next day i went to XXXX XXXX and i got my from the master on duty was in lost and found section. After 2 week when i check my credit card i see there was multiple changes form XXXX XXXX. Then i called discover and they assure me that those charges will be taken care of. later they open an investigation from their site. Now after 4 months discover is saying i am reliable for that changes. They said there was other things was purchase at the same day which i am aware of it. they said because i had the card during the purchase thats i am reliable for that changes. Now my question is at that moment of those transaction i wasn't even in the deport. I DID NOT authorize those charges. If discover hold me responsible for those changes they prove that i was physically there. i am 100 % positive they can't prove it because i know i wasn't there at the time of transaction. i did not authorize those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XXXX of XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.

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 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I have tried to call Capital One several times about the reporting the one late payment that occurred over two years ago, by mistake of date of billing. Rep would not update information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Suntrust Claim Number : XXXX My husband 's wallet was stolen on XX/XX/XXXX. Fraudulent debit card charges in the amount of {$1200.00} and {$61.00} were made at a XXXX and money was withdrawn from an ATM in the amount of {$500.00}. A check was also deposited into our joint account in the amount of {$500.00} from XXXX XXXX of XXXX XXXX   that was denied. We filed a claim with Suntrust on XX/XX/XXXX. Suntrust denied the return of this money stating that these transactions were not done in error on XX/XX/XXXX. The total amount lost was {$1700.00}. Suntrust Fraud team reported under their Regulation E that they didn't have to return the money based on their investigation. I'm asking for help in this situation. My husband wasn't in any of these locations during the times of these transactions. We'll submit the police report number and the findings from Suntrust. We'd like Suntrust to confirm camera footage at their ATM and XXXX to verify who made these fraudulent transactions. This money taken was our XX/XX/XXXX mortgage payment. We really need this money back.

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 2020-01-30
Company: MidAmerica Mortgage Inc
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to a new company ( Mid America Mortgage ) last XXXX and Payments that I had already made to the previous loan servicer for XXXX and XXXX ( XXXX  ) were taken out of my bank account, but not applied to my mortgage. Since then, the new company is stating that I am delinquent on my account and will not allow me to make on-line payments or take a payment over the phone, however payments I have mailed for XXXX and XXXX have not been cashed. They are stating it's my responsibility to provide that I have paid them before they will " move any farther '' on my account. I have provided bank statements for XXXX and XXXX showing the payments taken out of my bank account, but there is no way to " prove '' that I sent the XXXX and XXXX payments other than copy of my check register. 

I have tried to call them multiple times over the past two months, but wait on hold for excess of 2 hours being told I am " 10th in que '' ( for two hours ) or " next in que '' for over an hour, then the call is disconnected. When I select the " schedule a call back, and you will not lose your place in line '' option, no one ever calls back. 

A representative from the company called me today to tell me I was four months behind on payment, and when I offered to pay it all on the phone, he said he " could not do that until this is resolved. '' When I offered that paying it would " resolve it, '' he stated he could not do that, and I needed to email them " proof '' that I have made my payments. 

I am concerned that this will eventually lead to them trying to foreclose on my home, despite me trying multiple ways to pay my monthly mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
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 received my XXXX 2017 monthly bill from a Bank of America credit card. The account balance was {$120.00}. The credit card has a cash reward program that I had a large enough balance to pay the bill in full. So, I applied {$120.00} from the cash reward balance to the account to pay off the full balance. When I checked my credit card balance this morning, I noticed a {$25.00} fee for not making a payment. I checked the transactions on the credit card and the {$120.00} credit was present, as expected, on XX/XX/XXXX, well in advance of the XXXX XXXX due date. 

I called the company and they refused to reverse the {$25.00} fee for a late payment. They claimed that applying the cash reward as a credit did not qualify as making the minimum {$25.00} payment. They pointed out this bullet that pops up when the cash reward is applied to the account as a credit : " You are still responsible for paying the Total Minimum Payment shown on your credit card statement. '' To me, that statement did not apply since I was paying the bill in full with the cash rewards. By the time the cash reward was applied, there were a couple more charges on the account for the next billing cycle. But those should not be applicable for the previous month 's bill. 

For reference, this is how the transactions appear online : XX/XX/XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Type Bank XXXX - {$120.00} XX/XX/XXXX date : XX/XX/XXXX LATE FEE FOR PAYMENT DUE Type Fees {$25.00} I consider this to be a very deceptive practice by the credit card company. Therefore I am lodging this complaint.

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 2021-09-09
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never been informed of this debt. It is on my credit report as of XX/XX/2020 the amount is ridiculous and the landlord who filed with your office over exaggerated charges that dont exist never went to court for the so called charges I was threatened to be charged never was served any papers of the matter at hand

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a union bank checking account in XXXX. I do enrolled a promotion XXXX dollar if i make 3 bill payment in 60 days. When I opened the account. I confirmed my promotion code attached my account with banker. They double checked said yes to me. So I made 3 bill payment in XXXX which is in 60 days. I wait for the bonus still not get pay from bank at XXXX. I called their customer service. They said I have to wait for 120 days to get bonus. So I called today XXXX. They changed the story said they didn't see my offer. I have to go back the branch to see what happend. Now I felt they treated customer like a football. They tried to find a excuse to refuse the bonus. I think they promised it. They should honor it.

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 2019-02-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
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: Problem with personal statement of dispute

Complaint:
During the XXXX XXXX XXXX, I called the 53 bank ( www.53.com ) about my loan and said I will be unable to make payment. They agreed that it will be taking care of. But the second month into the XXXX XXXX, I got an alert from all major credit report bureaus about a 30 delinquency. 
I call 53 bank and they told me that they can't do anything about it and I should file a complaint to FTC ( www.ftc.gov ). As I tried to make my complaint to FTC, I was directed to CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
Company: Caliber Home Loans, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX we paid XXXX to cover XXXX 's mortgage, and escrow account in order to close the escrow account. The customer service told us will not be charged XXXX. Our surprise was XX/XX/XXXX an amount of {$2000.00} was automatically withdrawn with contradicts what was promised. Caliber 's representatives are inconstant in their answers. Some said will mail the check in XXXX business days. Another said that will be waived the following month. other said will be credited to next month. Last two weeks I called and gave my number to talk to the available supervisor and I was told supervisor 's will call in 24 hours. Since XX/XX/XXXX we call since then not answer from Supervisors and today another call they said the supervisor is in another call once finishes will call. there is misinformation towards us. As off today we will report this to XXXX XXXX XXXX to report this awkward moment.

Company response to consumer: Closed with explanation