BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-22
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
United Consumer , Inc. keeps calling my phone number for a XXXX XXXX XXXX ; the phone they leave is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: URS Holding, LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being repeatedly attacked throughout the day under numerous phone numbers by United Recovery Systems. I am being harassed and want this to stop. They also call the home landline under XXXX.

Company response to consumer: Closed
Consumer complaint received 2020-10-06
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and saw two accounts from PROFESSIONAL DEBT for XXXX XXXX XXXX  - {$650.00} and XXXX XXXX  - {$260.00}. I just became employed, and I would like to settle the total debt owed with one payment of {$450.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Unfair negative credit reporting. I initiated a 39-month lease on an Infinity JX 35 XX/XX/XXXX, financed by NMAC. I managed the payments on with an automated withdrawal from my checking account. This led to a perfect payment history with NMAC. All of my payment communications were via email. After lease end XX/XX/XXXX, I only became aware of a balance due of {$410.00} when I noted a negative report on my credit. I found out that this was a disposition fee. I was told that statements were sent to me via mail. They were sent to an old address. I inquired why I had not received any communication via email or phone, and was told that that " is not what we do ''. I understand that the Fair Credit Reporting Act requires notification of an overdue debt before a negative report is established. From my standpoint, inadequate effort was made to contact me. If all of my communication was via email for billing, my expectation was for that to continue. I also know that I checked my online account a few weeks after turning the car in, just to make sure I was n't inappropriately charged for anything. I did not see a balance due at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: General Motors Financial Company, Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My vehicle leased with GM financial was totaled on XXXX/XXXX/15. After working with other parties ' insurance company, a payoff amount was established and a request for title began XXXX/XXXX/15 with GM financial. As of today, no copy of the title has been released so that the insurance company can send check to GM Financial. I have personally pursued this issue with the title dept, total loss, and collection depts in order to have this issue rectified with no resolve. In the meantime, the insurance company is waiting on a title, and I am being pursued for payment -- I am being called everyday to submit payment for a vehicle that GM Financial knows has been totalled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/2016 Bayview Loan Servicing became my new mortgage servicer. On XXXX XXXX, 2016, I received a welcoming package from same company that did NOT include a debt validation notice, as I understand is required by law under the FDCPA. I 've checked the front and back of the documents, which I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: AZ
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 notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this accounts from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX OF XXXX XXXX Balance Owed : {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
had requested experian to investigate a credit inquiry for XXXX dated XXXX. I was told in the response that I had to dispute directly to XXXX I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should 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 2016-10-26
Company: National Collection Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed it a few times through the credit bureaus. I have sent letters to the collection agency reporting a collection on my credit report that they have to show the accuracy of their documents but no such thing was given. It is the law under FCRA to do so and yet they will not. I have not a single blemish on my credit report besides this collection company. When I called and spoke to a supervisor he told me to call an attorney. The " collection '' is a college class that i paid off. The college told me that it wasnt in collections but when I paid them it turns out they reported it that way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Moody, Jones & Ingino, P.A
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My XXXX XXXX XXXX account was levied on XXXX/XXXX/16 due to a collection over 9 years ago and I was never served to appear in court. I filed for Chapter XXXX bankruptcy on XXXX/XXXX/16, my account remains frozen and my family 's livelihood is in a critical state with no money. Additionally, on XXXX/XXXX/16 my XXXX XXXX account which is joint with my wife has also been levied. I have already filed for bankruptcy XXXX to repay my debts, unfortunately the attorney XXXX XXXX will not release my funds evern after filing for bankruptcy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
On Sunday XXXX XXXX, 2016 I was called by Cash Central in XXXX, Utah, a company I 've never heard of. The caller, a woman named XXXX, said that she was following up on an lending inquiry I had made online. I repeatedly told her that I never made any inquiry and I repeatedly asked how and where she got my name and number. She would not answer. I asked for a supervisor and was connected with a woman named XXXX. I told her that I had never contacted or even heard of Cash Central ever in my life and I demanded to know where and how they got my information. She would not tell me. The next day, Monday XXXX XXXX, 2016, I received an alert from my credit monitoring company XXXX XXXX, informing me that XXXX credit reports were taken out on me today : XXXX from Cash Central and XXXX from XXXX XXXX XXXX. I have not applied for any service from either of these companies ever and I want to know who is doing so in my name. I have filed a XXXX XXXX XXXX with XXXX on Monday, XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX I disputed this Information via by Mail and again By their webiste. On XXXX XXXX XXXX Experian stated that the information was unchanged and had gotten validated proof from said credit. When asked to furnish these findings via Mail. I got no response yet the Bureau still has this item listed with very inaccurate information. It is still being reported on my credit report when it stated that XXXX XXXX the item would be removed. This company allowed XXXX XXXX to continue to make illegal reports to my credit report violating my civil rights. under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have 'verified ' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization

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 2016-08-04
Company: U.S. BANCORP
State: OK
Product: Credit card
Issue: Balance transfer

Complaint:
In XXXX 2015 I opened a US Bank XXXX credit card with the zero percent balance transfer rate for 15 months. After the balance transfer and setting up automatic payments on the card I was charged interest every single month. I had to continually call to have the interest removed. Us Bank agreed it was their mistake and removed the charges as you can see from the attached file. The last three interest charges have not been removed, and when I call back they refuse to remove them, or one agent just hung up on me. I have my original card member agreement, and it states that I should get the rate as promised. This has been a terrible experience, and I am now forced to pay off the balance as of this date to avoid being overcharged every month in the future since US Bank has failed to honor their banking advertisement The charges are XXXX {$82.00} XXXX {$77.00} XXXX {$77.00} Us Bank stated that although I set up automatic payments, that they failed to credit the first payment on time. Once the first automatic payment has failed, they then begin charging interest in violation of the agreement. It appears that the failure of Us Bank automatic payments system is standard operating procedure to defraud people, and allow them to not honor the zero percent interest agreement. 

I filed a complaint with the better business bureau, and Us Bank did not address the failure of the automatic payment system, but instead attempted to put the blame on my by saying it went to collections, which of course was not the case. 

Enclosed is the original credit card agreement where they promised zero interest and failed to deliver as written. 

I was never late in paying them. I am never late in paying any credit card.

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 2017-02-19
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
GM financial continues to threaten to repossess the vehicle although it paid timely and insurance is properly maintained. I have continued to submit proof to GM financial however, I do receive these letters weekly. I would like GM financial to cease these letters and the harassment. If at all possible, I would like to see they are fined for unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card
Issue: Late fee

Complaint:
First National Bank of Omaha XXXX card does not waive more than XXXX late fee for the life of the card. I paid my XXXX card online at XXXX., XXXX XXXX, the day the card payment was due. However, this card like many has early deadlines. This payment was due at XXXX., CDT, XXXX., my time, MDT. I had XXXX late fee waived on this card more than a year ago. I asked to have {$10.00} late fee waived when I called card on XXXX XXXX. I talked to customer service rep., and XXXX supervisors. They would not waive the fee. I closed this card some time ago, so I can not close it. I am trying to pay it off. Now, bank added {$10.00} fee it will not remove. Yes, I know it is likely in my card agreement, as I was told. But most credit card issuers will waive at least XXXX late fee a year. This {$10.00} fee should be waived in this case routinely. I overlooked paying the card until the night it was due. The bank is getting a fee for nothing. It got the payment six hours after its early deadline. I want to know what other federal agency I should file a complaint. This is not a just late fee. It is getting money only to make it more difficult for me to pay off the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: U.S. BANCORP
State: NJ
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I purchased a {$100.00} prepaid XXXX issued by US Bank National Association. I used the card for XXXX transaction of {$50.00} over a month ago. Last week I went to used the remaining {$50.00} and I was declined I called customer service and I was told the issuing institution, US Bank, closed the account XXXX XXXX, for fraud and took the remaining {$50.00}. I was told I would receive a call in 24-48 hours but did not. I called today and was given the dispute department number, when I called there I was on hold and after XXXX minutes, I left a message. How could they just take the electronic money I paid for in cash. To me they stole my money. The card is made out to " A gift for You '', no way to determine the owner, how many more cards did US Bank help themselves and take? The banks just do what they want and plain out steal, why not there are no consequences? The law does not apply to them. A bunch of criminals at US Bank and all is well. I am out {$50.00} and I have to try to hunt them down while they dodge all my calls. The customer service number is a service and not US Bank. Just plain criminal!

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 2016-07-19
Company: Credit Plus Inc
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Company response indicates the following : Response Credit Plus has received a complaint that you posted in the CFPB complaint database. The complaint is a joint complaint against both XXXX XXXX and Credit Plus. It 's unclear to us as to the nature of the complaint against Credit Plus, so could you please clarify the nature of the dispute, if any, with Credit Plus. 
Sincerely, Credit Plus, Inc. 

Clarification : Credit Plus failed to properly follow it 's own policies as presented to me and my wife. When opting to use the 'rapid rescore ' service we were told that providing proofs of statements showing payoffs would result in a rescore to the model as proposed by Credit Plus without an additional inquiry and the process would take less than a week. 

Instead what happened was that Credit Plus repeatedly claimed that the credit accounts paid were not being confirmed by creditors, even after our own credit reports were showing the accounts paid off and we provided subsequent month ending bank statements. Additionally our credit was pulled repeatedly resulting in our score being lowered. When escalated, the process remained opaque and the process was never explained to us, nor was an adequate escalation resolved when it became clear that Credit Plus was doing much more harm than good. Even though we were following the instructions provided to us. 
This harmed me and my wife in the following ways : 1 ) It robbed us from making an informed decision by either improperly and otherwise failing to disclose the policies/processes of Credit Plus. This may have resulted in us hiring a different lender. 
2 ) This further injured us by resulting in our rate not being locked until the day before closing and resulting in a significantly higher rate than had we locked at the time. 
3 ) Our credit reports were repeatedly dinged resulting in lower credit scores overall despite that we were informed that the process did not involve a hard pull on credit. 

Ultimately, by not providing clear, simple disclosure, we were unable to make an informed decision, and resulted in my wife and I paying a rate approximately 0.40 % higher than had we locked on the first day. Carried over the life of the loan this is a financial loss to us of {$32000.00}. Ultimately we would like this as compensation for being misled so that we can apply this to the balance of our home loan and offset our injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I OPENED A ACCOUNT AND THEY PUT A HOLD ON ALL MY MONEY AND REFUSE TO GIVE ME ANY IMFORMATION OR CLOSE MY ACCOUNT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Called the Fraud Alert Line for Experian and placed a Fraud Alert on my Credit Report. However, I need to have the incorrect address Removed from my crit file and also from my SSN.

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 2021-04-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My insurance letter said info from Equifax influenced my premium and only Equifax can provide details. Equifax can not send my report to me because they can not verify my Identity. 
Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to caregiver responsibilities for a XXXX mother with XXXX I am often away from my home for extended periods ( months even ). My mortgage lender has pad-locked my home twice in the last eight months claiming that the home had been 'abandoned. ' In the process the lender also replaced the lock which has breached the integrity of the exterior door and caused splintering of the wood ( I have pictures ). Further it was noted that the property was at risk and required 'winterizing, ' all the while I was paying my utilities ( heating, electric and water ) which were fully functional. A storm winter was broken and never repaired thereby allowing further break-in and vandalism since after breaking the storm window, the interior window was never secured. Additionally, I originally had my neighbor cut the grass and shovel snow as needed which is documented in a letter from my neighbor who did n't understand why someone else was mowing the lawn. 
Now after the second 'break-in ' by the lender, I no longerfeel safe in the property and more significantly have lost faith and face with my neighbors who do n't understand what is going on.

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 2016-10-04
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a safety deposit box at US Bank. They take the yearly fee from my checking account ... .which I agreed to have them do. They send no reminder by email or regular mail so that if I forget I will be charged a daily overdraft charge until I receive a notice from them and can put money in the account. If they can generate a notice of an overdraft they must be able to generate a notice that a fee is coming up on X-day. 
I see this as only slightly more honest a way of doing business than opening accounts in customers ' names without their knowledge.as XXXX XXXX did. I have a busy life and do n't necessarily have a big note on my calendar ... or have an extra {$99.00} in 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