BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment through Fifth Third Bank 's online system on XX/XX/2020 for {$1300.00}, of which, {$37.00} was for principal curtailment, and {$1300.00} was to post for the XX/XX/2020 monthly mortgage payment. 
As the payment was made in XX/XX/2020, and the XX/XX/2020 monthly payment was not yet due, I have requested that the company apply the {$37.00} to principal curtailment first, so that the interest for the XX/XX/2020 payment will be calculated correctly. As interest is paid in arrears, this means that the balance at the end of XX/XX/2020 should be used to calculate the interest amount due for the XX/XX/2020 monthly payment. 
When Fifth Third received the payment, they first applied the XX/XX/2020 payment, then reduced the principal balance, which means that interest was calculated on a higher amount in error. 
I called and asked them to fix this. I spoke to 2 associates and 2 supervisors, who advised me that what I requested was not possible. I advised them that not to do so would be a breach of RESPA guidelines, and asked that they put a request in to their payment area. 
I then received a call to again advise me how the payment had posted, not that they would correct it. I left a voice mail message asking that they just reverse off the payments from XX/XX/2020, apply the principal curtailment, and then following that, post the XX/XX/2020 monthly payment. To which, I received a return voice mail asking how I made my payment, one check or two, for the amounts, and check numbers as well. 
This is very disturbing as a financial institution this large should have associates that can view loan history, and be able to determine that the payment was made through their own system, so there is no check number, and the amount of the payment. This institution should also be aware of how interest is calculated and that as the XX/XX/2020 payment was not yet contractually due, any funds received prior to that date, can and should be applied prior to my interest calculation for a payment not yet due. 
I am asking for your assistance and intervention as I have spoken with a number of their associates who are not able to assist with a simple request. 
I even stated that if their system is not capable of such a reversal and reapplication, which would be appalling, then they could just take a corporate loss and credit my principal balance with the overpayment of interest. Neither of my requests has been completed to date, and I would like this rectified prior to my next payment being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX a rental company did a credit check and sent me a copy via email. There were item ( s ) on that report that was 18 years old! From XX/XX/XXXX. I also saw items from over 7 years old. I logged on to websites Equifax and XXXX. I disputed incorrect personal information, but there was no option to have old information removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: Army and Air Force Exchange Service
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello I need assistance with an account that is reporting incorrectly on my credit, this account is reporting as a paid collection when in fact it isn't a collection and never was.. I had a XXXX XXXX XXXX  that was opened in XXXX in which payment history was great, well I went on XXXX in early XXXX and called to let them know and was told that I would have no payments while I was out of the country, I got back in XXXX of XXXX, called to let them know that I was back in the states and the very next month, I received a credit alert saying that a new collection was added to my credit in which it was from XXXX XXXX XXXX. At that time I honestly didnt know how to start working on my credit so it sat on my credit for awhile as I was a working father and spouse. Well in XXXX I really started to research how to go about fixing my credit and I ended up contacting XXXX XXXX XXXX in which I spoke with 2 people, stated my case, they looked into it and verified that I was in fact correct and they told me that they would get it updated for me with all 3 credit bureaus as ''Paid In Full and Paid as Agreed, I was told that it would take 30-45 days to reflect and that was in XXXX of XXXX till this day the account still hasn't been updated and I'm extremely frustrated by it. I'm asking for help in getting my account updated correctly as I'm sure you understand that this false reporting has gotten me denied for credit for something that was out of my control! I will attach all documents below and by the way I have disputed this account on numerous occasions since then and have not received any correspondence or communication, I disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at this point you're my only hope in helping me fix this. Thank you

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 2021-09-23
Company: Millco Management
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERIFINANCIAL SOLUTIO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Error mesage when trying ti link to XXXX says CapitalOne is blocking me from enaebling external applications

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 30 yr fixed rate loan with this bank.Every month they hold out auto pymt from my bank account that includes interest and principal. I started sending a extra amount to them which should go right to the principal no interest. I talked to them about it once and they went back to the correct way but it messed up the way they figured the interest into the loan.Time went by everything all right then they did it again the loan is fixed any extra money sent to them over the pymt amount should go to principal.It is not a huge amount but it will change the whole figures on the loan since it is already fixed for the life of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had insurance at the time I had my x-ray done and I should have no out of pocket expense considering I had XXXX XXXX XXXX a branch of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: MRS BPO, LLC
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX ( XXXX ) has repeatedly attempted to collect a debt that is not owed. I leased a vehicle with them in XX/XX/XXXX and returned it in excellent condition in XX/XX/XXXX. No payments were missed and all fees had been paid. 

In XXXX, I was notified by XXXX XXXX XXXX that they were attempting to collect a debt owed to XXXX XXXX XXXX in the amount of {$810.00} in association with the leased vehicle. When I requested a bill showing the owed amount from XXXX, I received a bill showing the amount of {$1000.00} being owed, with NO explanation of what it was for. 

Several conversations took place with XXXX XXXX XXXX in order to determine the source of the debt. On 3 separate occasions, I was told 3 different reasons for the charge. 1. Excessive wear and tear at time of turn-in. 2. XXXX fee. 3. Personal property tax owed. 

I requested a complete ledger from XXXX via XXXX XXXX XXXX, which I was provided ( see attached ). The ledger covers dates from XX/XX/XXXX through XX/XX/XXXX reflecting total charges of {$33000.00} along with payments of {$33000.00}, leaving a XXXX BALANCE through XX/XX/XXXX. Clearly, there should have been a balance on the ledger if there was anything owed. I indicated this to XXXX XXXX XXXX and they ceased communication. 

Just yesterday, on a letter dated XX/XX/XXXX, I received another debt collection letter from a new company, MRS BPO , LLC, in an attempt to collect {$810.00} on behalf of XXXX XXXX XXXX. 

At this point, I have dealt with this via numerous phone calls and have proven that there is nothing owed on this account, yet I continue to receive more letters and phone calls. I feel as though I am being harassed and have tried everything to get them to stop. This car was turned in over 5 years ago, in excellent condition, and with NO BALANCE DUE!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I easily disputed a wrongful account balance with XXXX XXXX. I am having the hardest time reaching an actual person at XXXX  or equifax to have them remove it as well. I always reach an automated system. XXXX XXXX investigated and found the information to be incorrect. I had a car repossessed and the law is the price the bank sold the car for must be taken off the loan amount and I must be notified of this. I was never notified, and the balance was never reduced. They charged off the account and closed it and since it has been closed they have continued to add an additional {$4000.00} to the balance! I was also never notified of any balance I owed  XXXX XXXX XXXX XXXX. I would like XXXX and XXXX to both remove this account as soon as possible as it is very incorrect and its affecting my score very negatively. Once again it has been removed on XXXX  but not the other two CRAs. The online dispute forms ask for an account number and when I received a full report half of the account number was hidden and shown as XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: U.S. BANCORP
State: IL
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 have been trying to work with XXXX  XXXX XXXX since XX/XX/XXXX for a correction of late payments that they agreed to correct due to being under doctors care during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of XXXX  XXXX XXXX instead reported late to all ( 3 ) credit bureaus. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I then contacted XXXX  XXXX XXXX on XX/XX/XXXX and was advised that they can't correct the late payments since it has been more than a year. But had record that I had been calling to resolve. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX  and XXXX  and XXXX  XXXX XXXX directly. I appreciate any assistance you can provide in clearing this matter. Also, I have been trying to work with XXXX XXXX and Elan Financial Services regarding the same issue for more than a year and to no avail, no action taken place.

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 2022-08-16
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2017-08-21
Company: Thaxton Investment Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have had difficulty paying my bill in the last month or so. Every time I call to make an arrangement, I am talked to in a very awful way, and they threaten to take my things, and to report to the police that I have n't made my payment. I have previously always paid on time, and I 'm having difficulty making the payment, and I 'm not sure when I will be able to resume payments. I understand that I need to make my payment, but the company needs to be able to speak to me in a non threatening way, and try to make an arrangement with me. I owe {$640.00}.

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 2022-09-01
Company: Resurgent Capital Services L.P.
State: IN
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:
On both XXXX and my XXXX Credit report I have XXXX  XXXX reporting a negative and charge off there are 2 accounts they both also have been sold to lvnv funding and they also are Reporting a charge off under XXXX XXXX. 
With lvnv funding name. 
This is against the FDCA and The FDCRA on both parties, They both have been contacted XXXX XXXX said to contact Credit bureaus to get removed was not there problem. 
I contacted both transunion.com and XXXX they refuse to remove. 
It's is 100 % against the fedal Credit law to keep reporting from both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
To whom it may concern, Two weeks ago I was a fraud victim. An imaginary FBI agent (  XXXX   XXXX   ) c alled me and she demanded {$8000.00} for student taxes that I had not paid the last 4 years. Unfortunately, I believe on her as she revealed all my debit and credit bank account limits ( " Sir, I see that according to your debit and credit limits, you have  XXXX   XXXX  So you can pay us today if you do n't want to be arrested '' ).   I was in contact with her for  8  hours on the phone as I was instructed to buy gift cards from  XXXX  store to pay the IRS attorney that was handling my case. The " Scam FBI ''  officer  terrified me by pressuring to not say anything to anyone and also if I hang up the phone he will be able to put charged on me. Under such pressure, I used three different cards in order to buy 16 gift cards of {$500.00} each ( {$8000.00} total amount ) {$1500.00} -- &amp; gt ;  Wells Fargo  {$2500.00} -- &amp; gt ;  XXXX   XXXX  {$4000.00} -- &amp; gt ; Chase When my wife came home (  XXXX  pm ), she realized that this was a fraud, and she called for a police officer to talked with the " Scam FBI '' agent ( I was in phone hold ). When the police  officer  came home and talked with the " Scam FBI '' agent, she changed her voice tone and hanged up the phone. The police  officer  directly filled a police report for me with a case number "  XXXX  '' and he told me that a detective will be able to contact the  XXXX  store in order to track the gift cards. The detective 's information is "  XXXX ,  XXXX   XXXX  &amp;  XXXX  ;  XXXX  XXXX  XXXX  &amp; gt ; '' and he told me to call my banks in order to report my case number and to inform them that I was a fraud victim.      XXXX  week later, the  XXXX  and  XXXX  banks directly removed my transactions from my credit accounts. Unfortunately, the  Wells Fargo , after their research, found that the transactions (  3 gift cards, 3  x {$500.00} = {$1500.00}  )  were correctly charged to my account. So, they did not reimburse me.

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 2020-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 have been trying to work with XXXX  XXXX XXXX since XX/XX/XXXX for a correction of late payments that they agreed to correct due to being under doctors care during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of XXXX  XXXX XXXX instead reported late to all ( 3 ) credit bureaus. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I then contacted XXXX  XXXX XXXX on XX/XX/XXXX and was advised that they can't correct the late payments since it has been more than a year. But had record that I had been calling to resolve. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX  and XXXX  and XXXX  XXXX XXXX directly. I appreciate any assistance you can provide in clearing this matter. Also, I have been trying to work with Capital One and XXXX XXXX XXXX regarding the same issue for more than a year and to no avail, no action taken place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My loan contract matured on XX/XX/XXXX. The loan payment was set up on auto pay with Capital One Auto Finance to debt out the payment on the third of every month. Unfortunately the last payment was not debted from the account, according to Capital One they told me that they could not debt any more payments from my account because the contract had ended even thou I called them two weeks prior to XX/XX/XXXX authorizing them to debt the last payment on XX/XX/XXXX. I then received a letter a couple of weeks later indicating that I owed them {$4100.00} I was livid. After paying six years on a vehicle ( 72 ) payments curing the contract, I still owe?? This is ludicrous!

I called Capital One and was told that the two payments that was deferred to the end of the loan accrued that amount of interest. According to the contract any changes in interest to the contract had to be in writing only with my authorization. At the time of deferment of the two payments the agent asked me if I agree to the deferment of the payment not including anything additional. As of today ( XX/XX/XXXX ) Capital One has placed my vehicle on the Repossession list. Even though I have made 3 additional payments of {$550.00} trying to stop them from taking my vehicle. My husband is XXXX and this is the only means of transportation that we have. PLEASE HELP ME resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions 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:
As a victim of identity theft I notified Experian of Fraudulent accounts that appeared on my credit in XXXX of 2019, yet to no avail. I sent the dispute in both through mail and through the CFPB Portal when I heard nothing. I am filing this complaint as I can not get my dispute heard with direct issuance to Experian of the following account : 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 2018-05-09
Company: Levy & Associates, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A company notified my employer in attempt to collect a debt. I was never contacted or given an opportunity to dispute the claim or ever served with the with the summons. They presented it to my employer 7 years later. The debt is also in someone else 's name.

Company response to consumer: Closed with explanation