BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DIVERSIFIED ADJUSTMENT IS REPORTING TO THE 3 CREDIT BUREAUS AN ACCOUNT THAT DOES NOT BELONG TO ME XX/XX/2020 ITS REPORTING AND PREVIOUS UPDATED ON CR AS VERIFIED. PLEASE REMOVE ACCOUNT ITS NOT MINE. letters have been sent out to company previous to this with no resolution other then to verify information and for it to stay on my reports. No balance is reporting

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX XXXX, I purchased a {$100.00} Visa gift card from XXXX # XXXX in XXXX, Texas. On XXXX XXXX, the recipient of the gift card which was still in the cardboard packaging tried to make a purchase online. She was given the information that another party in XXXX XXXX, NV had somehow used the gift card and there was now a XXXX balance on the 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 2017-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
For the XX/XX/XXXX tax year Wells Fargo bank issued an incorrect IRS Form XXXX stating that my rolled over IRA account was a normal distribution and the entire amount is now taxable. On top of that, they also issued another Form XXXX for the required minimum distribution from that retirement account. The rollover of my IRA account took place inside the bank on the same day. 
When I requested a corrected Form XXXX, the bank employees stated they could not do so but the bank would be sending out some other Form in the Month of XX/XX/XXXX that would clear everything up. I do not know how to submit my XX/XX/XXXX tax return with this paperwork and I do not understand why there is such a paperwork problem with a simple IRA rollover.

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 2022-09-30
Company: Firstsource Business Process Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter in the mail today that was actually dated for XX/XX/2022 I didn't receive it until today which is XX/XX/2022 the dispute process says call or write to Us by XX/XX/XXXX and it's coincidence that I've reached it I received it a day after my deadline to reply with the dispute I think that's the unfair tactic but I am by anyways this was a business account that was paid for another business account and I don't know understand why it went on to my personal check writing I don't recall writing this check maybe a business partner reminder but why didn't you not going on just my personal check writing the XXXX number claim number is XXXX reference number is XXXX and the XXXX number is a XXXX number which is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On a recent phone call to XXXX I spoke with a XXXX XXXX concerning possible refinancing of my Wells Fargo Home Mortgage. XXXX mentioned that Wells Fargo had not reported 2 1/2 years of payments to any of the credit agencies ; thus my credit score did not clearly reflect my credit score. I telephoned Wells Fargo on three occasions to discuss the reasons, and I was told XXXX different stories. Due to XXXX in XXXX of 2013, I had to file Bankruptcy Chapter XXXX which was discharged in XXXX 2013. Wells Fargo keeps telling me that my attorney, XXXX XXXX in XXXX XXXX, WV did not file a re-affirmation agreement to not have the Home included in the Bankruptcy. My attorneys office tells me it was up to Wells Fargo Home Mortgage to send the re-affirmation agreement. Thus, this XXXX year old is caught in the middle of this chaotic problem where someone obviously screwed up when my bankruptcy went to Federal Court in XXXX, WV. My attorney requested I pay him {$400.00} to reopen the Bankruptcy. What gives here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Atlantic Credit & Finance, Inc.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been receiving calls on my cell phone and work phone multiple times per day from XXXX at Atlantic Credit & Finance about payment of a past due XXXX Account. He threatens and is very rude and condescending. They have sent me NOTHING in writing to tell me what my balance is or what my options for repayment are. They just demand I commit to paying them {$50.00} every month. We are looking at many items owing and I told them we are evaluating what we can commit to. He then threatens me and tells me they wo n't wait and will just sue me. Again I ask for something in writing showing my balance. I paid XXXX directly {$120.00} this month and they can not tell me in fact if it was applied to my accout

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT

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 2016-05-10
Company: EOS Holdings, Inc.
State: VA
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 applied for a job with a credit union in the security department. They informed me I had a bad debt with XXXX on my credit report and needed to resolve it in 30 days or I would lose the job offer. I contacted XXXX and was informed they had no record of me having an account currently or in their archives owing a debt of any kind. They refused to remove the negative credit account stating they were not reporting it. I called the number from the credit report and was told they were a debt collection agency. I believed this was an Identity theft issue however I did not have the time for an investigation. I paid the account with the collection agency, XXXX XXXX, in full due to time constraints. This was XX/XX/2016. I am now being billed by another credit collection agency, EOS CCA for the same XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In XXXX I obtained a credit card from TD Bank. I had a previous credit card from another bank and I attempted to obtain a balance transfer. After explaining the request to TD Bank, they then sent the physical check with the balance to the wrong location, specifically the branch where I had opened the original card but not the company/address which actually receives payments. I have been trying to contact TD Credit Card Services for several days and no one actually picks up. There have been occasions where I have left my phone connected for a half hour to an hour and the usual " representatives are assisting other customers '' keeps replaying. I actually went to a TD Bank location in XXXXXXXX XXXX XXXX where a customer representative actually sent an e-mail and tried to call on my behalf and was unsuccessful. I have attempted to contact both TD Bank and their credit card unit on XXXX and have been unsuccessful in getting a response. If this is not resolved soon, it will affect my credit rating and ability to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
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: Personal information incorrect

Complaint:
Please update my current address to the following. I have included a copy of my Driver 's license I also want an updated credit report. 

XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: SUNTRUST BANKS, 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:
Hello, XXXX ( XXXX is a bill collector ) of Suntrust Inc., sent me a letter claiming my wife and I were no longer protected by the SCRA and that I needed to complete their online IBR update. I did go online and complete their IBR update. 

Furthermore my wife, XXXX was an XXXX in the XXXX until XX/XX/2016. Since XX/XX/2016, she is NOW an XXXX and will be for the next 6 years. 

Thirty days after XX/XX/2016 ( on XX/XX/2016 ), I was hired as a XXXX, XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I 'm still employed working for the XXXX XXXX XXXX XXXX XXXX employee. Does n't the SCRA provide time for military families to transition from XXXX to XXXX?? 

I did receive a letter from your XXXX claiming an anonymous source notified them that I was no longer protected by the SCRA. We were lead to believe by our Judge XXXX XXXX XXXX XXXX XXXX office that we are still protected by the SCRA as long as we work for the military. Is this incorrect?? 

We wrote XXXX XXXX XXXX XXXX of XXXX who we communicated with in the past, but we have received no response from XXXX regarding this matter or any of our questions. 
XXXX XXXX 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 2021-07-07
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
This company credit acceptance or the dealership fraudulent changes and over charge over XXXX in a loan Im the co-signed the dealership is out of business credit acceptance dont respond or investigate this issue

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 2021-07-07
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2021, I pulled my credit reports to check my scores. When I pulled my report I noticed fraudulent accounts and inquiries on my reports that I did NOT authorize or know anything about.

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 2017-01-26
Company: FastBucks
State: WI
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
on XX/XX/XXXX My now deceased wife and myself secured a loan for a camper. The loan amount was for {$24000.00}. The court document I received on XX/XX/XXXX states that my monthly payments are {$260.00}. The court document I received on XX/XX/XXXX states my payments were {$280.00}. The first point I bring up is how am I suppose to trust their math when the numbers are different. This would be a big discrepancy on the amount I supposedly owe. I also bring up another problem in which comes in the form of letters right from XXXX. I have statements in which it states I owe a balance of {$8000.00}. This is before the camper was sold by XXXX for the amount of {$5500.00}. Their is also a letter from XXXX stating they charged off an amount of {$7500.00}, and then another {$3800.00}. The total amount charged off is {$11000.00}. I have a credit report statement in which it reflects a charge off for {$8000.00}. None of these numbers match. Should a credit report show all charge offs? This is another big discrepancy. The main complaint is the fact that one of their XXXX ( collection Agent ) by the name of XXXX continued to call me personally. During these phone calls XXXX was threatening and very loud and argumentative. XXXX would also use profanities during these calls. I have a witness to this as well as detailed phone records with his number for the time frame of harassment. XXXX is being fraudulent in reporting the accurate numbers. I also noticed XXXX is no longer assigned to my case. I had brought this to the attention of the Bank. I have attached documents in which proves all information in which I filed today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This was an invalid charge from XXXX years ago. I have never had any agreement or contract with XXXX XXXX. The basis of this dispute is that I just pulled a credit report. I received no notices by mail, email or phone. I had sent substantial amounts of documentation several years ago when this XXXX came up which proves the debt invalid which I still have available. XXXX, XXXX and XXXX have all received this documentation and only XXXX does not report this new collection but old account now. My XXXX Score is XXXX and XXXX now at XXXX which should demonstrate the kind of damage this kind of wreckless credit reporting can cause someone. 

The subsequent attachment is from XXXX and the initial issue at the time was I was sold internet with a TV package " add on '' and later told I could not receive internet. There was also a XXXX day cancellation policy with XXXX, but they have been hounding me for years on a contract I never had and never used with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: AFNI 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:
This debt is not mine and has previously been removed from my XXXX Credit report. This company " AFNI '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by AFNI to be mine, but XXXX companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting AFNI provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When they fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with XXXX on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If AFNI denies this I can down load proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and AFNI needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all XXXX of my credit files where it is listed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Arete Financial Group
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I SIGNED A CONTRACT WITH ARETE ( DBA ) XXXX TO PAY MY DEBTS .ARETE  TOLD MEI WOULD COST ME {$750.00} TO PAY MY CREDITORS LISTED BELOW.BEGINNING XXXX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX AND ON XXXX XXXX WE AGREED T0 INCLUDE. XXXX XXXX XXXX FOR INCREASED PAYMENTS OF $ XXXX  MONTHLY BECAUSE ARETE WOULD CALL AND TRY TO GIVE INFORMATION BY PHONE BUT WOULD NOT GIVE ME WRITTEN INFORMATION I CANCELED HE CONTRACT. 
LATER I DISCOVERED THEY MAY HAVE SETTLED A CASE THAT WAS NOT MINE AND IT WENT TO COURT IN XX/XX/XXXXI DID NOT EVEN KNOW ABOUT THAT CASE.I PAID TOTAL OF 21 MONTHS FOR {$17000.00} ARETE SETTLE XXXX XXXX XXXX FOR {$5400.00} I AM UPLOADING ONLY BEGINNING AD ENDING BANK STATEMENTS BUT ALL 21 MONTHS THAT I PAID.I AM SENIOR CITIZEN PHONE CALLS WAS SO CONVINCEING.MY CREDIT SCORE WENT FROM XXXX TO XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-17
Company: KEYCORP
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Rec 'd letter back from XXXX from a person named XXXX. She states that the education loans have a cap of 25 %. Math is black and white. The loans I have have a 48 % interest rate. It is now my understanding the they can compound interest until they get to 25 % and then they have to stop. This surely would be in the best interest of the young adults with school loans, car loans, mortgage payments and babies mouths to feed. It surely would be in the best interest of our country to have educated people and who were n't afraid of loans like they are of bad marriages. If you can do Math, you can figure out, not like XXXX, from XXXX, that the loan I am a co-signer on is 48 % interest. Here are the figures : Original Loan Amt : XXXX. Total Amt Paid : XXXX. Remaining Balance : XXXX. And if the cap is 25 %, then all I owe is XXXX, and that is all I am going to pay, not XXXX!!! And for all the school loans, several people need to be hired to re-calculate this criminal usery and injustice to this generation who are raising families. My desired solution is to have my loan recalculated to 25 % interest rate, and everyone else 's school loans re-calculated to 25 % interest rate. By the way, most interest rates can not exceed 22 %. Thank you for doing something about this atrocity. This is an abomination to our next generation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: ALLIANT CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Alliant Credit Union charged me an annual fee for their credit card in XXXX. They then changed the terms of the credit card in XXXX, removing the product that the annual fee is for. They refuse to honor their commitment to the payment terms and also refuse to refund the annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08
Company: AMERICAN HONDA FINANCE CORP
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:
Iam a victim of identity theft fraudulent information listed below is showing on my credit file is not mine. I am officially disputing the fraudulent Information and want to investigation .Please remove the fraudulent Information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Resurgent Capital Services L.P.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On  XXXX   XXXX  we sent a payment of {$500.00 } to  XXXX  Barclay card. T hey cashed that check on  XXXX   XXXX  and we have the  XXXX  transaction in writing to prove that. I have called   XXXX  7+ times and spent over 7 ho urs on the phone with   XXXX   and they still continue to ask for the SAME info and the same questions EVERY SINGLE TIME I CALL. They are saying it is n't there issue but we have the copy of the  XXXX  records showing that this was cashed by  XXXX  on  XXXX   XXXX . I 've had several managers PROMISE that they will take care of it and the issue still is n't resolved. I am beyond frustrated as the interest is accruing and I still have no resolution. The customer service here is beyond AWFUL and I have wasted DAYS trying to resolve this. We have faxed copies, our bank has faxed copies and  XXXX  never has received anything but a " blank copy ''. I have sent a letter to  XXXX  stating I am disputing the full balance as they have taken our money and misplaced it!! Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief