BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-13
Company: Receivables Performance Management, LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
RPM has contacted 24 times since XX/XX/XXXX. After receiving verification of debt I contacted RPM regarding a discrepancy between the last bill received by the phone company the amount they are trying to collect. The discrepancy amount is {$250.00}. I asked for RPM to explain the discrepancy and the person I spoke with was unable to do so. When RPM contacts me and I am available to answer I answer my phone, say hello twice and noone answer on the other end. The following is last phone calls ( times and dates ) since XX/XX/XXXX. 

XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX-answered 13 second call no answer from other side XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX answered 10 second call no answer from other side XXXX : XXXX-answered 8 second call no answer from other side, XXXX and XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX-answered 7 second call no answer from other side XXXX : XXXX answered 9 second call no answer from the other side XXXX : XXXX, XXXX XX/XX/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 2018-11-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I contacted Wells Fargo and informed them that I was changing my Insurance to XXXX and that XXXX was faxing the new rate ( which was lower ). On XX/XX/2018 I noticed {$950.00} was taken out of my account. I called Wells Fargo and they informed me my insurance went up. I corrected them and told them they were informed XX/XX/2018 of the lower rate and new insurance company. They told me that the analysis was done on XX/XX/2018 and since I didn't request specifically for another one they couldn't change the payment. Again, I called Wells Fargo several times and they informed me that had the right amount because on XX/XX/2018 they paid the lower amount of {$690.00}. On XX/XX/2018 they still went ahead and took out more money and never informed me of this. I was then told that I could not get that money back and would have to stop payment. I would like to get the overage that I paid ( {$64.00} ). As a XXXX veteran I am on a strict budget and these unexpected costs can hurt me financially. Thank you for your time. 

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 non-monetary relief
Consumer complaint received 2018-06-18
Company: Experian Information Solutions Inc.
State: NC
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 have a charge-off that is over 7 years old ( 10 to be exact ) that has showed back up on my credit report as of XX/XX/XXXX ( Originally placed as a charge off in XX/XX/XXXX ) which is past the statute of limitations. This should only have been showing on my report for up to 7 years. I have disputed this several times with no results. Not even a detailed letter from the company showing what I allegedly owe. Ive only received that said information has been verified as correct which makes no sense because its past the statute of limitations. This is on my Experian report. My last dispute results report number is XXXX for XX/XX/XXXX & results were 'account verified as accurate '

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 2018-06-18
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Lender Fees are Usury and its lending practices are predatory. Texas law allows only a 10 % annual interest rate on a secured loan I borrowed XXXX dollars against the Title of my XXXX XXXX XXXX. I was told it a was only a 30 day loan. I was told the interest would only cost me XXXX. dollars if paid within 30 days. 
.The contact terms the company set was a six month payment term with interest fees that the total would be. {$8600.00} for a 30 day loan of XXXX I bring home XXXX a month before expenses. I was not told I could have opted out of the contract in three days.

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 2018-08-14
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a membership contract with XXXX XXXXXXXX, and before signing up with the sales person, I had mentioned that I had just gotten out of XXXX XXXX from previous injuries, so if anything were to happen, if I could cancel my membership on the spot. He said as long as I have a doctors note, I can cancel right away it without any hidden fees. 

I had gotten injured not too long ago from my work, which my doctor had written a note saying that I can no longer box anymore. I went to cancel my membership but they still insist on charging me for another 2 months, as the lady told me just come in and watch at least because you cant cancel your membership right away. They even have on record for the times Ive clocked in, and Ive only been there about 7 times since XXXX due to my injury. They wouldnt pause my membership either as they said I had to pay {$10.00} every week if I did so. 

Ive even filed a dispute with my bank, and they sided with me after I told them what was going on. The bank had refund me for the months they had charged me, but XXXX XXXX add the disputed amounts back to my bills saying that I owed them back. I called the payment collectors ( the number that was given to me if I had any questions regarding the bill ) and told them my situation. They said if it had gotten disputed, then it shouldve been resolved already and that I wouldnt have to worry about any debt collections, and that my contract shouldve been taken care of. 

Now, I had just received a letter from Transworld Systems Inc., an attempt to collect a debt from a debt collector. Im not sure what to do at this point because I feel like Im being scammed by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have continuously disputed this account that IC Systems continues to report that is inaccurate information. I have requested numerous documents to review the alleged debt but only in return got a partial statement that did not detail binding this alleged debt to me. I have proven that the name is incorrect and also that I am not aware of this account nor is this mine. The company continues to report these inaccurate findings and has ruined my reputation and prevented employment in which during the pandemic is slim to none. IC Systems violated numerous. I have detailed all the violations and would like to move forward with punitive damages if the accounts are not removed. I have attached exhibits of the violations.

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 2017-11-10
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I bank with Schools First Credit Union for many years. I have a personal and car loan through them. I do n't normall look at the transaction but today I did. My payment is set up to pull from my checking account automatically. The banks allows a 15 day grace period before the payment is considered late. Today I discovered that the day after the payment is due if the funds are n't able to auto draft they charge a {$20.00} NSF fee even though they have a day grace period. 

Can they legally do that? What about a 15 day grace period? 

Between both loans I have been charged about 10 times ( {$200.00} ) just this year. I have no idea how long this is happening. 

Because they are turning around charging me {$20.00} I am paying interest on a higher amount when I think my balance is being reduced. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed my XXXX  account in XXXX and have tried disputing it 3 times with Experian. Unfortunately theyre not removing the XXXX  account. Instead they removed my current credit card by 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 non-monetary relief
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: WA
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 have submitted disputes every month for 6 months to all 3 credit bureaus - XXXX, Experian & XXXX. I've received confirmation that the bureaus have received my disputes, but I have never received a response, the account I'm disputing has never been listed as " in dispute '' and the inaccurate information is still on my credit report, damaging my score. Not one of the credit bureaus has responded to any of my dispute letters, this is not only illegal, but that means the account in question qualifies for deletion from all 3 bureaus.
The account I've been disputing is XXXX XXXX, it's a loan that was never personally guaranteed by me, it was a company I worked for, but had nothing to do with me personally. This is illegal and unjust.

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 2017-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 currently have two auto leases with XXXX. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to 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 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have requested TransUnion to removed 4 unauthorized inquiries from my credit report last week. 
XXXX  date : XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX date : XX/XX/XXXX. 
They wont do it and its not my fault what happened. Its their responsibility to removed authorize/fraudulent inquiries and they dont want to. 
I have no problem with XXXX, there were great but TransUnion it being so unprofessional. 
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 2019-09-04
Company: RentDebt Automated Collections, LLC
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 information incorrect

Complaint:
I sent a certified letter to RentDEBT regarding a collections account they placed on my credit report asking them to validate the debt. In response I received a detailed bill and a " copy '' of a lease that was allegedly signed by me. The information they sent me did not include a copy of my ID or drivers license and the signature is not mines however this company continues to report the tradeline to the 3 major credit bureaus. This is creating major issues for me such as job declines, higher interest rates, lower credit scores, and application rejects for balances owed. I believe this account DOES NOT belong to me, under the Fair Credit Reporting Act all unverified accounts must be deleted. I contacted the apartment complex ( XXXX XXXX ) directly which they advised they don't have any information pertaining to previous residents. The only information I received from RentDebt was a detailed bill and a copy of a lease that I allegedly signed which I DID NOT. These items do not qualify as full verification per FCRA. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the proper evidence as requested. A fraud alert has been on my credit report due to my identity being stolen, so a copy of my ID or drivers license should be on file for verification purposes, and none was sent with the information RentDebt sent me. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I graduated from the school. I did not receive my certification to get a job. Therefore the major I graduated from I couldn't get a job because the institute I graduated from said I have to pay the loans in order to get my certificate of completion. So I ended up get a regular job not one that I graduated from. Now the student loans that I have are piling up. How can I delete those loans from my credit score since they never gave me my certificate of completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to receive a MoneyGram transaction of {$530.00} upon arrival at a local XXXX/Pharmacy location my transaction was made available I was instructed to go to the clerk to receive my funds where my transaction was voided 3 times and then I was instructed to call MoneyGram where MoneyGram notified me that my transaction was marked as received when in fact I did not receive any funds and 5 days later MoneyGram is providing me with false information and refusing to restore my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.

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 2018-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted the credit agencies to ask that they add my contact telephone number to my credit file. To date, the credit agencies have not done this. Please add the following number to my credit profile : My contact number to my credit file : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Suntrust refused to honor a stop payment and in doing so, hundreds of dollars in overdraft and NFS fees accrued. 

The bank refuses to acknowledge their error and refund the fees. 

I am only asking for the refund of fees lost due to their error. 

Thank you XXXX XXXX, DDS

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 2021-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a {$2000.00} CD with Bank of America on XX/XX/XXXX to secure an XXXX  XXXX Visa XXXX credit card. The credit card was opened on XX/XX/XXXX and closed on XX/XX/XXXX. Ever since I closed the credit card, I have contacted Bank of America customer service over the phone on multiple occasions to close and release the CD as I no longer need to have it since the card it was securing has been closed. However, customer service insists that I am unable to close it since Bank of America 's business card department has not yet released the hold.

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 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have recently started to repair my credit with the assistance of XXXX XXXX. During my review of my credit reports there had been a hard pull by Trans Union as a request by a Mortgage Company called XXXX XXXX, located in XXXX Texas and it is a Military Financing Company. 

XXXX XXXX sent out letters to both Trans Union and the Mortgage informing them that I had not applied for a Mortgage and that the information should be removed from my credit. 

To date I have not heard from the Mortgage Company and Trans Union refuses to accept liability.

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 2018-06-18
Company: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2008 I had an account with US Bank, the following year I had an ex-girlfriend use that Card and Identity to steal and overdraft the account, I reported to the police and verified she was using drugs and did not have permission to use my bank card, after that US BANK never contacted me, I was understood the matter was resolved, Now a Company that refuses to verify their address only calling themselves XXXX XXXX out of XXXX XXXX Phone Number XXXXXXXX continues to call not only I but my mother, my father and XXXX knows who else, when first speaking to them they stated the documents were from XXXX COUNTY XXXX COURTS, NOW it seems they only had two XXXX   Address ' one in XXXX  XXXX, and the OTHER in XXXX, in which allegedly they sent documents to those address ' 45 days ago I never received, they have drove on my private road and created further civil complaints by pretending to be a company they are not, as well as Un Fair Business Practices, Badgering, Patronizing and All around being RUDE, I don't owe the US BANK Anything..

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 2018-06-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2010 Wells Fargo had multiple accounts and credit I'm my name I was just notified this past year and now I'm a victim of identity thief from Wells Fargo.. I have no way of getting help leaving my apartments and moving forward have no family and am almost in a day homeless trying to fight for my identity.. Please take action and help me

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