BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a car via XXXX XXXX XXXX out of XXXX, Nevada which was financed via Credit Acceptance Corporation. They wound up charging me over XXXX in interest on a loan that was around XXXX which seems high. On my credit report, they did not report that I paid off over XXXX, they only reported that I paid off over XXXX so where did the extra money that I paid off go to? On top of this, they put a XXXX ( XXXX XXXX XXXX ) that caused problems with the car. The car wound up shocking me as a result according to the mechanics. I was told that they never should have put the device in but they refused to fix it or replace it, etc. ( I have evidence of this ). After all of this, I can not drive me car due to issues with the electrical problems that this device caused and I have had close to XXXX in medical bills over this. This is not fair. I feel that they should have done something to help rectify this situation but they do not seem to care at all.

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 2022-05-21
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
On XX/XX/XXXX XXXX XXXX Bank charged off my account due to the negative balance status. I have been unemployed and experiencing hardships since XX/XX/XXXX due to the Covid-19 pandemic. 

On XX/XX/XXXX XXXX XXXX Bank submitted information to XXXX XXXX and Chex Systems claiming that my account was closed due to Account Abuse. I never abused my XXXX XXXX Bank account - I was experiencing long term XXXX, XXXX and a total loss of my income as a result. I filed a claims related to a {$400.00} charge that appeared on my account. I followed XXXX XXXX policies and procedures for filing a claim and they refused to investigate it as they stated their policies did not allow them to investigate claims related to peer to peer financial transactions. 

On XX/XX/XXXX, I attempted to open two checking accounts - XXXX XXXXk, and XXXXXXXX XXXX  and was denied a checking account based on the information reported by XXXX XXXX XXXX tXXXX XXXX XXXXXXXX and Chex Systems. 

XXXX XXXXXXXX XXXX 's errors has caused adverse actions to be taken against me ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX Banks ' actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Finally, I believe XXXX XXXX Bank 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law. XXXX XXXX 's action against me violated my rights under the Fair Credit and Reporting Act because they willfully and intentionally reported erroneous information that has caused other financial institutions to make adverse decisions against me. This matter has prevented me from moving forward with securing a checking account with a major bank.

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 2016-09-24
Company: KEYCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went into the bank, closed my checking account and told the teller, branch manager and a service rep that I intended to stop the autodebit i had to pay our 2nd and 3rd mortgage. I asked for a new auto debit form and since i didnt have a check on me we couldnt set up the new debit. I told him that in reality you just need signed auth for a recurring ach debit because a prenote would verify the info before actual payment is mafe. The branch manager told me he still couldnt do it. I called later agter i got a check the XXXX branch and the XXXX branch for a form without resolve. I then stopped back into thr XXXX branch where they couldnt set up the ach and then the teller told me the autodebit caused the account to teopen and then charge my account XXXX fees plus one of the payments posted. The teller couldnt help me. I emailed the banks helpline and they didnt help me. I stopped into the XXXX branch 3days ago snd still have not gotten resolve. I got s call from the nranch manager to which i missed and hVe called her back 5 times and email ed her once. Her voicemail says not to leave a m ssage. Aside from breaking nacha rules this is extremely deceptive. I just want it corrected so i can pay my mortgages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 apply for a credit card with capital one the gave me the credit card and later the cancel it after 2 payments I called Capital one and ask the why they cancel it they say that I had a felony in my record I went ahead and submitted paperwork showing that It got reduce to misdemeanor by the court, but they insisted that even Thow it was reduced to misdemeanor and expunge, I had plead guilty and that was the reason that they had to cancel my account I believe that Capital One Credit card are clearly violating my rights and equal opportunity lending policies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: TX
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:
The creditor XXXX XXXX clearly stated that the potentially negative reporting account on my credit report was to be removed. This account is continued to be reported to my credit report. This account is also reporting inaccurate information. The credit bureaus have been taking over 30 days to investigate this. This violates my rights as a consumer in accordance with the Fair Credit Reporting Act. This continued negligent reporting has been harming my livelihood as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: Big Picture Loans, LLC
State: DC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Borrowed XXXX finance change every time l make a payment if not payed in fill is XXXX .a when I asked about paying fill make excuse to get more money, so I made payments and still owe XXXX.I do n't know what to do I will be paying the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Dear CFPB Committee, Happy XXXX! 

Unfortunately, I wo n't be able to celebrate this year due to a number of financials burdens on my soul - including identity theft ( police report enclosed ), XXXX and of course not having enough expenses to cover my living costs.It is with extreme grief to tell you that this particular circumstance has impacted my daily life tremendously. 

I 'm a loyal Bank of America consumer since an year - the day that I first came to XXXX. Bank of America has always been my favorite bank, I 've had the best customer experience from an institution ever in my life. 
Recently, however, I have been in great sadness as per circumstances which resulted in me being self-employed and sufficient, an XXXX with no income. From XX/XX/XXXX, I have been charged with 12 x overdraft fees ( XXXX $ ) fees on amounts as low as {$4.00} while I was on 'decline any transactions ' ticked on my checking account. The fees are as a result of the merchants duplicating transactions on the next day whereas they got declined previously. The merchants were notified about my inability to pay, however, they constantly ignored my requests. I have removed my debit card from auto pay - however, as I have an outstanding balance they kept charging me. Enclosed are the fees that I 'm referring to ... 

I 'm having a tough moment in my life as I 'm on food benefits, thus I do n't have money to cover food expenses - not to mention paying {$35.00} in fees.. As proof, I have enclosed a copy of the food benefits EBT stamps I receive.. I 've called and seek aid from the service fee dispute center, however, without help.. 

XXXX. Even though, I want to remain a Bank of America customer - I 've been paying my Bank of America Secured Credit Card in full each month, as to not owe bank of America money, however I can not allow myself to further pay those fees.. I want to remain loyal as the customer service is superb. 

This being said, is there any way for those fees to have them reduced as to financially stabilize myself from the hole I 'm sinked into. 

Having those fees refunded will greatly improve my life and allow me to buy food.. Please feel free to call me and ask for any proof as to validate my claims but please understand that I 'm in a very hard economic hardship currently as a result of my identity being stolen and the other reasons stated above. 

Yours, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: WI
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, 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 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CITIBANK, N.A.
State: TN
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:
Citi Bank credit card Mastercard. XXXX I went to Florida and when I came back I wanted to pay the bill. I paid {$1900.00} minus the 3 rental cars from XXXX XXXX. Called fraud and guy told me that one of the girls added two more cars instead deleting them. Car was {$200.00} x 3. They refused to delete them all. XX/XX/XXXX to XX/XX/XXXX. In the meantime before I knew they were investigating the cars I put XXXX in XXXX. When I realized Citi was giving me a hard time I looked to transfer {$300.00} into XXXX  XXXX XXXX. It took XXXX  days to transfer. Unfortunately it past my time on Citi card. To pay them. Waited two days and I had to pay a late payment {$4.00}. so I paid it. In XXXX. Finally XXXX  XXXX XXXX did the transfer and paid Citi credit card. I looked at the bill XX/XX/17 to XXXX. They still will not cancel the car and add {$300.00} on to the {$200.00} plus fees of {$29.00} and fees {$4.00}. total {$540.00}. I have been calling them all the time they will not correct it. Also they keep asking everytime I call my birthdate. I am to old ignore her??? Good question. In the meantime XX/XX/17 to XXXX I spoke with a lady and I told her I do not them anything. She said yes you do. I said prove it lay it out for me. She said you {$300.00} and {$300.00} total minus {$540.00} leaves you with {$300.00}. I told her should go back to school and take math. I hung up I have been at this for XXXX months none at Citi card listens or can add and subtract I am still fighting. I do not know what to do. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB : My first compliant CFPB Number : XXXX filed in XXXX XXXX I explained and laid the ground for a fraudulent mortgage foreclosure against me and my wife by Caliber Home Loans and it 's alleged trustee, XXXX Master Participation Trust. Caliber Home Loans in their response to my original compliant said they conducted an internal investigation by the XXXX XXXX XXXX XXXX of our allegations of fraudulent assignments. They said once the investigation completed they would send us the results of their findings. The last we heard was that they found no merit in our allegations and the investigation was closed on XXXX XXXX, XXXX. As of this new filing we have never received the results either by U.S.P.S. or electronically. 

XXXX filed a Motion for Summary for Judgement in XXXX of XXXX. We filed our Objection/Opposition to their MSJ on XXXX XXXX with a affidavit from a Certified Fraud Examiner and incontrovertible evidence of forgery on XXXX or XXXX assignments of our mortgage. The judge on this case ruled and ordered in favor of the plaintiff for their Motion for Summary Judgement on XXXX XXXX, XXXX. He also granted the plaintiff 's In Rem action which essentially eliminates any constitutional rights or due process as citizens of Pennsylvania and the United States to present our evidence in a court of law. The judge granted the foreclosure and sale of our home by sheriff sale in 30 days. The judge issued a XXXX Order with no opinion, no finding of facts and no conclusions of law. I 'm sending to CFPB a copy of our Objection/Opposition to the plaintiff 's Motion for Summary Judgement and the judge 's XXXX order.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Citibank cleared a trust check that I deposited at a Citibank ATM. The check was from a certain trust account and was made out to the trust and also my name. Around XXXX weeks later I received another trust check exactly like the XXXX XXXX and deposited it into my account thru the ATM. This time the check was returned. To cover the debit of this returned deposit and to insure none of my outstanding checks bounced I had to take a cash advance from my credit card. The fees and interest charges were huge. While Citibank acknowledged they made a mistake in accepting the very XXXX check ( which because they did I deposited the XXXX XXXX in exactly the same way ), they refused to reimburse the total fees and charges incurred instead somehow never explained to me they paid approx. XXXX of the fees. And this took over XXXX months to accomplish.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Charged a {$12.00} processing fee for my Citibank basic checking account even though I had a combined {$1700.00} total between my checking and savings account ( the requirement is only {$1500.00} ). It turns out I was charged {$12.00} fee for a checking account I did not want, did not ask for and did not know I even had ( as it did not show up on my accounts screen for my online banking ). Luckily I was inquiring about how to transfer funds into my checking account when I inquired about the {$12.00} fee. ( Ironically, I was transferring funds from a XXXX XXXX account ).

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 2022-05-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX : Document 1 : Insurance Billed for {$2000.00} for emergency Physician Patient responsibility for {$100.00} XX/XX/XXXX : Document 2 : {$100.00} Billed to patient.

Document 3 : which was paid by Individual through XXXX. Account. 
Doc 4 : XX/XX/XXXX : Insurance denial for {$1600.00} for duplicate Physician change Doc 5 : XX/XX/XXXX : another bill from XXXX XXXX XXXX for XXXX emergency Physician on XX/XX/XXXX. 
Doc 6 : XX/XX/XXXX : Insurance denial for {$1600.00} for duplicate physician charge. I called to make sure that I could ignore this. XXXX  representee said yes because I would not be held liable for a duplicate charge. XXXX would take care of it. 

Doc 7 : XX/XX/XXXX : YES 18 MONTHS LATER. Received letter from Wakefield and Associates stating that I owe them {$1800.00}. 
I contacted a XXXX at Wakefield and Associates who had to give me information about what the billing was for. I then dug up all my old medical documentation and contacted XXXX. XXXX stated that they would take care of it and contacted XXXX of Tennessee. ( see email in Document XXXX ). I did not hear from the collection agency, Wakefield and Associates, after I got this email from XXXX Kansas. I figured that the issue had been resolved. 
Doc 8 : XX/XX/XXXX : Email from XXXX Doc 9 : XX/XX/XXXX : Forwarded email from XXXX  to Wakefield and Associates. 

Didn't hear anything back- so I figure this was resolved. 

Doc 10 : XX/XX/XXXX : Received another letter from Wakefield and Associates. I did not follow-up on this letter, because obviously it didnt help last time. 

XX/XX/XXXX : I am now reporting them to Consumer Complaint because evidently, they are really trying to double charge people. It is a good case that I keep all these records, otherwise they might get away with double charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted XXXX to obtain services in XX/XX/XXXX. They informed me I could bundle service with XXXX. I decided that was an option I wanted. I was informed that before any billing would start the installation employee would come confirm that my residence was feasible to obtain services. The installation employee informed me that there were too many trees on my property to obtain XXXX service. He put me on the phone with a manager would informed me that all contracts would be null and void, and he was sorry I could n't obtain there services. XXXX days later XXXX sent me a bill for services rendered. I did n't obtain any services from XXXX as I did n't obtain the bundle from XXXX. I sent certified mail response requesting : 1 ) Proof that I am a customer and had requested services 2 ) Proof that services were in fact rendered at my address 3 ) If XXXX could n't provide proof that they stop sending me collections. I received no reply, but did receive a collections notice from a third party collections agency. I sent the collections agency the same XXXX questions i sent XXXX. The collections agency responded informing me that they in fact could n't prove any services were rendered and would be sending the account back to XXXX. XXXX link then sent me another collections notice on their behalf, and I again sent a certified mail response which received no reply. Now on XX/XX/XXXX, another collections agency is requesting payment of debt on behalf of XXXX at the amount of {$290.00}. This has caused me XXXX as I have NEVER missed any payments to ANY of my creditors. XXXX can not prove I had received or asked for any services. Yet, they refuse to respond to me correspendece. XXXX practices are in direct violation of the Fair Debt Collection Practices Act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a unknown debt. I have disputed and requested validation and nothing has been received. Please help

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 2015-05-21
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Upon reviewing my credit reports in XXXX of 2014. I noticed that Enhanced Recovery Corporation had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the first I have ever heard of this debt. On XXXX XXXX, 2014 I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. I never received anything.I then requested it again on XXXX/XXXX/2014 and still no proof of debt provided. I disputed directly with credit bureaus and they came back as verified. I sent another request to Enhanced Recovery Corporation again on XXXX XXXX, 2014. They have failed several times to provide me anything under FDCPA. However they continue to report inaccurate information on my credit reports to this day. I am demanding they comply with FDCPA and remove this from credit reports. They have had now 7 months to comply and have ignored not only my requests, but the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: AR
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 filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. On  XXXX   XXXX ,  2017  the dispute was initiated and on  XXXX   XXXX ,  2017  the investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily stress as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.

Company response to consumer: Closed with explanation