BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-02
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The issue I am having is not truly listed above. Today, XXXX/XXXX/2015, i received an alert from my credit monitoring service that a collection account had been added to my credit report. I immediately called the collection agency to find out what the debt was and why I never received the notice in the mail. They told me that the letter was sent to XXXX XXXX XXXX XXXX but I moved from that address and now live across the street at XXXX XXXX XXXX XXXX which was why I had not received the mail. XXXX XXXX XXXX is vacant so no one gave me that mail and I never received any forwarded mail from USPS. 
They also informed we that a wage garnishment had been sent to my previous employer which i no longer work for and I dont understand why i would not have been contacted via phone or email before involving my employer. 
I asked them if they could remove the account if I paid it over the phone and they said I could not dispute with them which I found very strange. I then asked if I could receive a letter stating that the account was paid in full but they said that I have to wait 30 days to receive this and I feel this is unfair since I never received the correspondence to begin with. i am in the process of obtaining employment and since I work in the financial industry, I can not have a new collection account listed on my credit bureau as this would prevent me from being hired. 
Given the fact that I paid the account in full ( reference number XXXX ) and the correspondence was sent to an old address i think this collection account should be immediately removed from my credit bureau report. having it on there will prevent me from finding employment in my field!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Vision Financial gained every number of my relatives, customers, and co workers from XXXX XXXX and sent a blanket message that a court action was going to be filed against me over an old debt. I have contacted XXXX 's Security department and they are investigating this as a potential hack of their systems. I will be taking legal action against them for damages but need this investigated. Phone number for them is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX This account does not belong to me. 

+ Associate XXXX XXXX | XXXX This account does not belong to me. 

+ Associate XXXX  XXXX IL XXXX | XXXX This account does not belong to me. 

+ Associate US DEPARTMENT OF EDU | XXXX This account does not belong to me. 

+ Associate US DEPT. OF EDUCATIO | XXXX This account does not belong to me. 

+ Associate NEGATIVE INFORMATION > XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: JPMORGAN CHASE & CO.
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 Chase so is my son.My son has overdraft fees and Chase decided to take my money and pay for my son account. I have called them and they refused to correct this mistake. I do not owe Chase and yet they do not have any right on my money. I have budget and because of what they are doing I am falling behind on paying my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Bread Financial Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I currently obtained an auto loan through Hyundai Motor Finance in XXXX of XXXX. I am trying to pay my loan off faster. When I go online to make a payment there is no principal only payment or additional principal payment option. It will only allow me to make a payment. I called the company today and was informed that I am correct. They do not offer these options. The individual who was helping me at Hyundai Motor Finance call center said I can make a payment, then wait three days, call the finance department to then apply that payment to principal only. I will have to do this every single month, as I plan on making an additional principal only payment every month. Not only is this a complete hassle for the consumer, but I deal the company is making it hard to pay off the loan in a quicker manner. This in turn costs me more money and ensures they make more money. This is bad business practice and I find it cunning and unethical. I would like to see an option on the online payment screen to offer additional principal and principal only options. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Quik Fund Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX from Quik fund doing this loan from XX/XX/2020. He gave commitment letter on XXXX XXXX. From then he saying that within 3 days will talk with buyer and seller lawyer and close the loan. then weeks gone and now saying bank don't have only one underwriter and too many file so underwriter still not touch the file. Buyer is well qualified from financial and credit core. All W2 income. But this company and XXXX playing. We went to talk with his boss in the office @ XXXX XXXX, XXXX city and he didn't let us. All the time lying and no response. I want this crook guy and company should be banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: CA
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 XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Western-Shamrock Corporation
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, 2016 at approximately XXXX, I went inside XXXX in XXXX Alabama with my XXXX year old daughter. I walked passed Western Finance who I have a loan with. While I was in the store, I saw a familiar face walking around the XXXX on her cell phone. I forgot something so I got out of check out line at XXXX. I saw that same woman looking at me but again, I thought nothing of it. I got back in line. As I was leaving the store, that lady left said something to another lady outside XXXX. Then she went into Western Finance. Next thing I knew, the lady she spoke to & STOPPED MY XXXX YEAR OLD DAUGHTER by HUGGING HER VERY HARD, SHE COULD N'T GET AWAY FROM HER GRIP as if she knew my daughter. I immediately recognized her as the MANAGER OF WESTERN FINANCE. She says to me ... .WHAT HAPPENED TO ME? I 'm like excuse me? Did you just follow me into XXXX XXXX? We 're you waiting on me? She says yes, I saw you walking by. She mentioned, she had been looking for me and she has called my mother, and she 's even been by my mama 's house. I said what, you 've BEEN BY MY MAMA 'S HOUSE? You went by mama 's house for XXXX not XXXX? She said yes ma'am to all the questions. She asked me if I still lived in XXXX. I told her she was harrassing me. In fact, she was stalking me by sending her employee in XXXX and then waiting on me outside the XXXX door, blocking my way on the sidewalk. She informed me that they are allowed to do that. If they see you. I said you all are allowed to harrass your clients outside another store? She said yes. I asked her for her card. I told her I 'd be filing a complaint. She told me to go ahead. Her name is XXXX XXXX, the manager at Western Finance. I do not and have not ever been physically stalked or harassed by any reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Maximus Education, LLC dba Aidvantage
State: AZ
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 Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please be advised that I am requesting ESCALATION of this file due to the negligenceof GuaranteeRate and XXXX in the way they care for Veterans and their loan. 
This borrower has been in review with the Loss mitigation department for over a year with no response or resolution. We have complied with all the requested documents by the due dates but this isn't being processed in a timely manner on your end. Makingit impossible for resolution and causing the borrower to fall further behind on their mortgage. It is NOT our borrowers fault your team is not equippedto handle the workload. Please review the attached documents that have been previously sent numeroustimes. 
This is no longer a matter of the borrower getting assistance, his health is at jeopardy due to the unnecessarystress caused by GuaranteeRate and XXXX. He has been to the hospital several times due to your carelessness. This is no way to treat a vetera that has fought for our country and is asking for assistance when he needs it the most. I really doubt you would leave a veteran in the streets specially during a worldwide pandemic. 
Since no resolution has been made on this file we have been forced to file a complaint with the US Department of Justice, Consumer Affairs, Veteran affairs and Consumer Financial Protection Bureau. 
Awaiting for your prompt response to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested these XXXX accounts be validated and was told that they did not have to since it was not requested in the first 30 days. I never received notice at any point that I owed anyone any money. I have disputed this with the bureaus several times and spoke to this company directly. I am getting the run around and there is nothing that indicates this is mine. I want it off my credit report this is absolutely illegal what they are trying to do. I want a letter from them indicating they are deleting any reference to the XXXX accounts XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare loan servicing has made it impossible to contact their customer service. When you call their customer service for loan servicing information you are given the automated response, " we are experiencing higher than normal call volumes, wait times may exceed 30 minutes, etc ... ''. If you try and wait for a representative, the service simply hangs up on you.

Additionally, because they have no account recovery options on their online portal, if you get locked out of your account you will have no ability to access your mortgage information.

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 2022-08-17
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Business checking account closed for 'fraud ' after new account bonus was applied for. No attempt to contact me was made and when I attempted to contact them, they informed me that they are 'unavailable ' and asked me to leave a message.

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 2016-06-01
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I got a job offer on XXXX for a administrative XXXX at XXXX XXXX XXXX XXXX XXXX The original email was from XXXX XXXX & lt ; XXXXXXXXXXXX & gt ;. Telling me to have an online interview with XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX the company Hiring Manager for tomorrow Tuesday XXXX your time via Via XXXX. Meeting with him I was told information about the company and asked a bunch of interview questions. At the end of the interview I was hired and asked to sign a Cover letter and send in my ID via email or fax by XXXX XXXX XXXX XXXX the HR Manger. 
Email : XXXXXXXXXXXX Fax : XXXX XXXX XXXX XXXX I was to meet with XXXX at XXXX. When I did he told me that I would need office supplies and would be sending me a check for {$3100.00} dollars. After the check had arrived I was to deposit it into my bank account ( US bank XXXX the account is frozen now ) and wait for the funds to be in my bank account. The next day he wanted me to withdrawal the money and deposit it into a vendor account XXXX XXXX XXXX XXXX ). He then told me that the money would not be enough to cover the amount for the office supplies and he was sending another check for {$4900.00}. By the time this check came, the other check had bounced ( which I did not know that was what happened my bank said " Returned Item From A Previous Deposit ''. I thought somehow they had pulled the money from my account not that the check was bad ) and he said that there was something wrong with the first check and he was sending a check to reimburse me. I subtracted the amount of the first check from the second check and only moved {$1800.00} dollars into XXXX XXXX assistants account XXXX XXXX XXXX XXXX ) because for some reason XXXX was having trouble with that account. The reimbursement check came and I deposited that XXXX and the next day withdraw the {$4800.00} dollars and deposited it into a new account ( XXXX XXXX XXXX XXXX ). He was going to send XXXX more check for a scanner for {$9700.00}. I when to the bank and deposited this check but when I got home I saw that the XXXX check had bounced as well. I when to my bank and had my bank account frozen. Now I have reported this to the XXXX Police Department ( report number XXXX ) and give them copies of all the documentation I have of this crime. In all the scam took me for {$9700.00} dollars about not counting fees. 
My bank should have been able to spot a fake check and refuse to let me deposit it into my bank. That failing my bank should never have allowed me to withdrawal money before the check had cleared the bank. Also the bank should not have allowed me to withdraw enough money to make my account negative, without so much as a warning. In the end my bank did nothing until I came into the bank and had them freeze 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 2022-08-04
Company: EQUIFAX, INC.
State: LA
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:
When I checked my report on Equifax I noticed that there were XXXX delinquent medical bills that were bought by a debt collection agency. I immediately disputed all XXXX of them pointing out the fact that it clearly says that the original owner of this debt was XXXX which stands for XXXX XXXXXXXX University XXXX XXXX proving that these XXXX delinquencies are actually medical bills and that under the consumer protection act, they can not be reported on my credit report negatively impacting my credit score. Equifax investigated it and said that they found that the company reported the delinquencies correctly and there will be no changes made to my report. Unless the law has changed, then they are completely in the wrong here and should immediately remove all XXXX medical bills from my credit file!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}.

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 2022-02-24
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I was promised by XXXX XXXX sell representative, immediate hire after completion of training. I was not hired and I didnt not receive any help for jobs interviews like they XXXX XXXX promised. I was also not given a certificate of completion to be able to show at interviews. Not one of the the students that attended with me during that time received certificate or got hired as a medical assistant. I have informed Nelnet several times about this fraud and according the Neltnet there is nothing to be done. 

This happened in 2005 my total amount owed to Nelnet is {$10000.00} that I have not been able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was referred to a " handy man '' who promised to construct a small office in my home. Long story short, after I paid him {$1100.00} UP FRONT everything changed. 

All of a sudden the job couldn't be done. He then made a series of false promises, ultimately to disappear. 

1. The person was unlicensed.

2. This person never conducted the work.

3. I am now in the process of hiring someone to do the work.

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 2022-08-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Yes I feel I have been a victim of identity theft so I spoke with the bureaus about it several times and the matter still hasnt been resolved. I have inquiries on my report thats inaccurate!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have never had a USAA account in my life, nor have I applied for one. I heard that you can only have account if marriage and I'm not married. Nor have i lived at the address its stating XXXX XXXX XXXX XXXX, Ga XXXX Nor have I had the number XXXX nor have i had the email XXXX I'll like all these so called accounts removed from all Platforms that USAA reports too. Accounts numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: CL Holdings LLC
State: GA
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:
Last ReportedXXXX XXXX, 2015Collection AgencyXXXXOriginal CreditorXXXX XXXX XXXX XXXX CHECKINGStatusOpenOpened DateXXXX XXXX, 2015Closed Date -- ResponsibilityIndividualBalance $ XXXX Balance $ XXXX for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief