BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-08
Company: WELLS FARGO & COMPANY
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Wellls Fargo did continue to recharge me on late fees. They don't care whether I paid on higher amounts on some payments. They said I was late on XXXX, XXXX but I was only late that time so it means the charges fees should begin after XX/XX/XXXX. However, Wells Fargo charged me each fees per month since early XXXX. They don't care I'd I pay too much but if I am under {$500.00}, they charge me anyway and even after I paid over {$1600.00} ... they continue to charge me. 

I was late to pay but did call in and wrote that I d be late but would pay them full amounts on XXXX which was {$1600.00} but they charged me every month. They did not waive after I paid {$1600.00}. They kept charging me. 

I paid it off yesterday on XX/XX/XXXX but they DO OWE ME about {$500.00} to {$700.00} from wrongful charge fees. 

In pics, next to XXXX XXXX XXXX XXXX, XXXX shows you I was on time paying. I was never late except XX/XX/XXXX. The due is every XX/XX/XXXX or XXXX. I always pay first week of month ON 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 2020-11-11
Company: Thaxton Investment Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 I received a call at XXXX. The caller asked to confirm my identity then stated that they were trying to get a message to my sister. The caller introduced themselves as XXXX calling from Covington Credit. She wanted me to let my sister know they were trying to reach her. I initially took the information to pass it along, but did a quick XXXX search to confirm if it was a scam or debt collector. I immediately found out is was a loan company, and the first review I read stated, " if you are late AT ALL they will call any family member of yours that they can and harass them. '' That business practice is unacceptable. My sister 's personal business is for her alone and not anyone else 's business. By calling me on my personal cell phone during work hours they wasted my time and disclosed information that should have been kept private between their company and my sister. I also found out that they had also contacted our father and disclosed information to him, including an estimate of the amount she owes. In talking with them he was even told the monthly payment and he told me he sent a check. This company should be fined for disclosing this information and if they cash a payment from a family member they should be shut down. I tried to reason with the manager that what they were doing is wrong, but she was very rude and condescending. If you are going to interrupt my day with something that is not even my financial business then you need to be ready to give a thorough explanation in a respectful manner. I'm sure this manager would not appreciate me harassing her family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
A Student Loan Company claims that I am owing $ XXXX for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The Identity Theft Assistance XXXX is a nonprofit dedicated to working with industry, law enforcement and government to help consumers prevent, detect and recover from identity theft. Founded in 2004, our mission was to put consumers and their experiences XXXX in the fight against identity fraud. 

I was a former customer of Bank Of America Corporation. Bank Of America Corporation closed my account after I was a victim of documented fraud. 

However, contrary to the XXXX policies and marketing material available via XXXX : XXXX Bank Of America Corporation refused to provide me with a referral to the Identity Theft Assistance Center.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPEN A XXXX  XXXX CREDIT CARD IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & XXXX 39 ; sXXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am upset that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2020-03-08
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
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:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$21000.00} Exceptional payment history From XXXX up until this current month, XXXX this account is showing deferments and not as being paid, which I have been paying this account every month and on-time. 
There are no valid claims ... account was never deferred and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulplease update it to reflect ( Paid on time ) Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
IN XXXX my mortgage was 30 days in default since then to date U.S. Bank have refused to help me reinstate my loan. I have been trying everything possible without success. I have successfully completed XXXX different trial of payment and have participated in XXXX modification hearing among tons of application for a workout package, first every three months then of recent it seem like every month and all was denied even though I complied with all their requirements. They File final Judgement without bothering to let me know until the 30 days before the sheriff sale .After 90 day of being in default the mortgage insurance payed off my loan, they collected 10 times the value of my promissory note from the Federal Reserve and millions from securitization and mortgage back Securities also My mortgage was a part of the Government Bailout to the banks .In light of all of these fact XXXX is doing everything to take my house. no matter hard My husband and I tried there seem to be no way and this has caused us great economic hardship, XXXX resulting in other health problems as with extended time our loan is in default it affect our credit which cause us to lose employment opportunities and study opportunities forcing us to use up our financial reserves. They change the MAP representatives frequently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with Citibank with roughly XXXX dollars in it. This is all of my money, I do not bank with anyone else. On XX/XX/XXXX I noticed that my credit card payments made XX/XX/XXXX were getting bounced back. I called Citibank and they told me that my account had been frozen since XX/XX/XXXX. They did not send me any notification in this case and when I called they informed me that they were closing the account and would send me my money in 30-60 days. This is the middle of a pandemic and if I do not get my money sooner I may die.

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 2022-10-02
Company: CCS Financial Services, Inc.
State: GA
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:
Date : XX/XX/20, Amount XXXX, I have sent disputes to this company several times, and they are still holding inaccurate information on my reports. 

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

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

15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

15 U.S. Code 1692b ( 2 ) not state that such consumer owes any 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 2016-05-04
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Payment was made via autodeduct from my checking account for the amount due on my mortgage escrow account on XXXX XXXX 2016. Since then the mortgage service company ( Paramount Residential Mortgage Group ) has been calling, demanding an additional payment for XXXX. When I discussed this matter, the respresentitive said they will not investigate the payment, and my bank says it 's difficult to provide proof since the auto deduct was completed by PRMG. Now I have an outstanding balance, and fear my credit will be effected.

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 2015-12-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
HELP REQUEST FOR MODIFICATION OF MY BANK LOAN AND SEND ALL DOCUMENTS NEEDED IN DATE XXXX/XXXX/2015, I CALLED the bank and was informed that THEY RECEIVED ALL DOCUMENT, BUT THEY PUT SALE DATE TO MY HOUSE FOR XXXX / 2015I CALLED TO REQUEST INFORMATION AND CONFIRMED MY CASE IF YOU NEED ANY DOCUMENT, THEY SAID EVERYTHING WAS FINE. They DID N'T CALL ME AND DO NOT WANT TO SUSPEND THE DATE OF SALE. 
ALL MY CALLS are registered in the bank 's system, please help. I DO N'T lose my house. 
THEY DO N'T LIKE HELP ME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Upon being XXXX and ordered to shelter in place due to the coronavirus pandemic, I was unable to make a payment on time. I was forced to miss a payment. When I contacted XXXX XXXX customer service, I was told that they were unable to delete the recent 30 day late payment that had been reported for XXXX, 2020. I was recently told by a customer service representative that XXXX XXXX is unable to delay payments or offer any relief packages due to the corona virus outbreak.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Upon being XXXX and ordered to shelter in place due to the XXXX  XXXX, I was unable to make a payment on time. I was forced to miss a payment. When I contacted XXXX XXXX customer service, I was told that they were unable to delete the recent 30 day late payment that had been reported for XXXX, 2020. I was recently told by a customer service representative that XXXX XXXX is unable to delay payments or offer any relief packages due to the corona virus outbreak.

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 2022-12-14
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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: Investigation took more than 30 days

Complaint:
Currently, I pay {$270.00} bi weekly to the XXXX XXXX XXXX but the company is continuing to report my payments as XXXX days late. My bi weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto company.

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 2022-09-17
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I'm excusing my right to rescind my contact due to fraud, violation of the following USC : 15 USC 1666d ( a ) ( b ) ( c ) 18 USC 8 15 USC 1605 15 USC 1605b 15 USC 1692 ( c ) ( a ) 15 USC 1692 ( b ) ( 2 ) 15 USC 169 ( b ) ( 5 ) I have requested via letter sent certificated mail to registered agent, CEO, manager and finance company a letter requesting a full refund of down payment and all of payments sent to finance company involved.

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