BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: Red Rock Financial of Cedar City
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan through Red Rock Financial in XXXX, Utah which two of my cars are on. I have made every payment on-time since the beginning of the loan but it was reported as being 30 days late in XX/XX/XXXX by Red Rock. I contacted XXXX at Red Rock in XX/XX/XXXX when I discovered the mistake on my XXXX credit report and he informed me that he would fix the problem and that I should also file a dispute to the credit bureau on my end. He also told me the reason it happened is because the person who was supposed to enter payments for several other individuals with loans through Red Rock as well, did n't do it and has since left the company. I filed my dispute on XX/XX/XXXX and XXXX told me he would submit the necessary paperwork proving my payments have all been on time. XXXX emailed me with an update to the dispute and informed me that the payment was marked as 30 days late for XX/XX/XXXX instead of XX/XX/XXXX. I immediately called Red Rock Financial on XX/XX/XXXX to ask why that happened and was informed that XXXX did n't actually do anything and that he, too, has left the company. XXXX, from Red Rock, said he is the new manager and has spoken to XXXX about the situation. XXXX also told me he would email me the contact information for the person handling the case at XXXX immediately after our phone call, which he did not do. I then called Red Rock today ( XX/XX/XXXX ) at XXXX to ask him about the email and was told he is in a meeting. I called back at XXXX and was told he is still in a meeting. I have lost all patience with Red Rock Financial and nothing is being done to fix the mistake that was entirely their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I called USAA to initiate a deposit to my secured credit card account. After spending 15 minutes on hold, I was greeted by a representative who did n't seem to understand my request and said she did n't see any active credit cards. She then stated she could locate the account, but did n't think that I could make such a request. However, she said she would get me to the appropriate department to assist. I was then dropped back into the queue and made to verify my information for a second time. This representative was pleasant, but said she could n't assist with my request due to " system '' reasons. She advised she would get me over to the Executive Office. I was greeted by a representative who asked how he could help me. I restated my request for the 3rd time, and then was hung up on!!! This was a very terrible customer service experience. I 'm trying to rebuild my credit after filing bankruptcy, and a simple request to initiate a deposit to my CD account to increase my credit limit seemed to cause a lot of confusion.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am being billed by Nelnet and XXXX as well.I just had a ChapterXXXX discharged in XX/XX/2017. I think I am being double billed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
FRCA Violation credit card XXXX XXXX CAPITAL ONE AUTO FINAN XXXX XXXX XXXX  FRCA Violation address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XXXX, went to bank of America to close joint account, because of fraud, id theft. I asked to be added as power of attorney, to speak on my mother behalf, instead, the service rep removed me from the account which is mine, because, I opened it, and my mother placed me on the account, in 2014. Id theft was for {$680.00} at XXXX. This behavior is illegal, they can not remove me off the account without my consent. I filed a civil rights complaint, # 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 2021-08-05
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on Forberaance for 4 months from XX/XX/XXXX to XX/XX/XXXX. I started to pay from XX/XX/XXXX. They used to tell me that after Forbearance they will reduce your interest rate and monthly payment. They chose Modification would be best for us. I did not know the FHA policy at that time. They raised the monthly payment every month. On XXXX my payment was {$2500.00} and rate was 2.875 %. Now my monthly payment is {$2700.00} and rate is XXXX. Because I still have Financial Hardship. I am using the option Covid -19 Advance Loan Modification ( must be reviewed no later XXXX XXXX. 
Covid -19 ALM is a permanent change in one or more terms of a Borrower 's Mortgage that achieves a minimum 25 percent reduction to the Borrower 's monthly Principal & Interest ( P & I ) payment that does not require Borrower contact. I am requesting 30 % reduction on my monthly payment of {$2700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: First Technology Federal Credit Union
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I deposited a {$2300.00} paper payroll check from my employer ( the same employer who direct deposits into my account twice a month ) using First Tech Federal Credit Union 's mobile banking app on XXXX  XX/XX/XXXX. The check was placed on a two day hold with part of the funds being released right away and {$1800.00} being placed on the hold. The funds were on hold through the following XXXX XX/XX/XXXX and a representative did confirm they would be released into my account XXXX  XX/XX/XXXX at XXXX XXXX Six hours prior to the release of the funds, four transactions came through my account for {$31.00}, {$49.00}, {$80.00}, and {$89.00}. For each transaction, I was charged a {$33.00} overdraft fee for a total of {$130.00}. This happened six hours prior to my funds being released and while the funds were on hold and visible in my account balance. The representative offered to refund one fee because " that is all he was authorized '' and " this is just how credit unions do business. '' He also proceeded to interrupt me and tell me that " XXXX  XXXX XXXX does this too. '' I am obviously upset at what appears to be a fairly typical practice in the banking and credit union industry. Over the course of XXXX ( during the hardest part of the pandemic ) and XXXX, First Tech Federal Credit Union has charged me over {$2000.00} in overdraft fees, some the same day my paycheck was deposited because of the banking industry practice of entering all debits first and then processing deposits. This is completely unfair. The banking industry, including more " customer friendly '' credit unions make their money off the backs of people who are in the most vulnerable positions. Accepted practices in this industry are appalling and unchecked because " that is how it is done. '' First Tech FCU, I have never asked for a dime back in my $ XXXX overdraft fees you collected over the past year, but today I am asking for all four of these overdraft fees that were taken while my funds were on hold and six hours from release.

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 2018-05-31
Company: Experian Information Solutions Inc.
State: UT
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 an account from XXXX XXXX XXXX XXXX Acc # ( XXXX ) reporting on my credit that isn't mine. I've contacted XXXX XXXX XXXX XXXX and they have no record of me or any accounts with my SSN. This is not my 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 explanation
Consumer complaint received 2017-04-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
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:
The place where I lived before now says I owe them over {$5000.00}. This is after the fact that I had already received my security deposit back.

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 explanation
Consumer complaint received 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was not approved for a transaction I was purchasing with my credit card one day last summer, and when I called the bank they stated the account was on hold for a bankruptcy. I then went to get my credit report from online and saw a bankruptcy and judgement that I have no knowledge of whatsoever. I then went to file a police report, I sent documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. The reporting agencies are not following lawful procedure. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently. This item did not occur as presented. Please contact the government agency that is reporting it to verify the detatils, if you do not remove it from my records provide me with written proof of every detail shown in your entry. This is some information I have requested from this credit reporting agency, and I 've yet to received any correspondence about the fraud to 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 non-monetary relief
Consumer complaint received 2019-03-15
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company contacted me on several occasions via phone and mail attempting to collect on an account that has exceeded statue of limitations. I have requested that they do not contact me for any reason but they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: FCI Lender Services Inc.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a line of credit with XXXX for nine years for XXXX. I paid on time regularly for 9 years but instead of the loan amount going down, it went up yet I paid. 
Then they raised the rate to 9 percent which meant the monthly payments went up by more than XXXX dollars. I also had to pay for my regular mortgage.I begged XXXX to give me a loan mod but after many paperwork and months of correspondence, they sold the loan to a different company and now it is this horrible company called FCI which holds my loan. The original loan was for XXXX. I paid more than XXXX and now I still owe XXXX!!! which is unbelievable. I asked to pay a lump sum but they did not accept any offer. I still owe XXXX on my first mortgage which I have been paying without delay. This is my only asset in life and I don't want to lose it. I have contacted them but they are just dragging their feet. I do not owe them XXXX. Pure and simple. They are just thieves. They have also raised the interest to 10 percent!!! They send me their bills not once a month but three times at a time.

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 2018-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a wage garnishment paperwork stating they were going to start garnish my paycheck. Issue is they have the wrong person. No one verified social security and date of birth, along with it shows a middle initial for a name but I don't have a middle name. This debt is not mine. I just ran my credit report and I have 0 negative remarks or any collection remarks. It is a collection agency that went to court but no one verified anything, including my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-06-02
Company: BONDED ADJUSTMENT COMPANY
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on  XXXX   XXXX     2017  my wife received a collection letter from Bonded adjustment company date  XXXX   XXXX     2017 regarding a bill. This is not a joint account or debt. it is a medical bill that i am responsible for alone. in the communication to my wife WITHOUT my consent or authorization included ; my name, original creditor, account number and   balance owed. according to fair collection laws this is illegal and why i am filing this complaint. i have include a copy of the letter sent to my wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Monterey Financial Services LLC
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I went to XXXX XXXX XXXX and I was about to start the XXXX XXXX program and due to unforeseen circumstances I did not attend. Made contact with XXXX before school begin to state that I was not going to attend and to suspend the loan. I was told that everything was good and clear and then I was hit with this charge on my credit report. I never received any letters or correspondence regarding this debt. I don't feel that this is lawful because I never got the opportunity to fix this if it were my fault. I have lived at the same address so I have not missed any letters or mail regarding this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: TX
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified with an original consumer contract or removed immediately. 

ATTORNEY GENERAL XXXX XXXX # XXXX ATTORNEY GENERAL XXXX XXXX # XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have my loan under Freedom Mortgage and under contract through them pay into an escrow account that is to be withdrawn in the amount that is due for property taxes for my home. My taxes were due on XX/XX/2017 for XXXX County TX, when viewing my Freedom Mortgage 's website I see a transfer for the full amount and a very brief transaction message that only displays the day " XX/XX/2017 '' that the payment was " supposedly '' sent, however the county has received no such payment, in fact I have had to play the middle man with the tax collector and freedom mortgage for the past 2 months, and nothing has been fixed, I 'm being riddled with late fees, and if this is not fixed soon, I could lose my house. Freedom Mortgage has offered little to no aid when I call in, and they are not treating this issue with the urgency that is required. I need this fixed, and I need your help to do 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 explanation
Consumer complaint received 2019-12-18
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
First Midwest Bank at XXXX XXXX XXXX, XXXX, Illinois, is discriminating against me for being a XXXX  XXXX  XXXX. They would not allow me to cash {$100.00} of my {$400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  check # XXXX issued by the U.S. Treasury on XX/XX/2019, in their bank lobby. I needed {$100.00} so I could continue to pay for my {$30.00} XXXX bus passes through the winter months when my mobility afoot will be restricted, but the Teller only allowed me to withdraw {$80.00} in defiance of the Check Clearing For The 21st Century Act. To add insult to injury, they then assessed my third - {$36.00} Overdraft Fee to date since the inception of my account on XX/XX/2019, against my First Midwest Bank Easy Checking account. This time, they assessed the - {$36.00} Overdraft Fee against my {$41.00} check # XXXX to XXXX XXXX that I had to pay as a mattter of necessity for my cold 64 degree Fahrenheit apartment. However, for all tense and purposes, I should have never been assessed a - {$36.00} Overdraft Fee as according to their own records at XXXX XXXX XXXX I had a {$380.00} Balance at the time the - {$36.00} Overdraft Fee posted on XX/XX/2019. Under the Expedited Funds Availability Act, the bank Teller should have had a fidcuiary duty to advise me that I was Overdrawn on XX/XX/2019, ( if this was indeed the case ) for at which time i would have been glad to return on foot on XX/XX/2019, once the {$400.00} check cleared as the streets were still free of hazardous ice and snow at the time ( which isn't the case now ). I have never endured so frequentt of Overdraft Fees in such a short succession of time in my life so I feel that First Midwest Bank is Redlining me for being perceived as an inferior XXXX  minority. I will be switching banks soon, but wanted to report this matter in case an investigation needs to be launched in order to protect more vulnerable customers at Frist Midwest Bank from such predatoy conduct. 
Thank you

Company response to consumer: Closed with monetary relief