BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-17
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
My understanding was that I was taking out an installment loan, which I expected would have monthly interest charges. However I am being charged {$250.00} bi weekly for a {$1000.00}. at an interest rate that is over 700 %. They will not stop the ACH payments, and make payment arrangements. I will be forced to close my bank account, as I can not afford to have this coming out of my account bi weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have been harassed by Portfolio Recovery Associates , LLC for the past few years regarding an alleged {$310.00} debt from XXXX Bank they purchased supposedly from my wife ( XXXX XXXX ) from before we were married ( 18 years+ years ago ). We asked why we never received anything from the company ( XXXX 's ) saying we owed money, and if we did, why did we have an active credit card with them 15 years later? We asked Portfolio Recovery Associates for a Bill of Sale proving what the alleged debt was, when it allegedly occurred, what was the purchase, etc... They provided us nothing but a letter claiming they purchased the debt on XX/XX/2020. We want the phone calls and letters to stop. We want the alleged debt to be removed and for it to be removed from any and all credit reporting agencies they may have reported this to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27
Company: STERLING JEWELERS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company has repeatedly called my elderly former in-laws regarding my account. They have told them repeatedly to stop calling, and continue to call them. My ex-wife is constantly receiving calls from them complaining. The company has been told they have no contact with me any longer, and continue to harass them. They have discussed the account with them, disclosing the amounts owed. this is completely illegal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: MORTGAGE CENTER, LC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was unemployed in XX/XX/XXXX and experienced a substantial decrease in income. I contacted my mortgage company right away to look at options. They provided me with information to apply for a government mortgage modification that would potentially lower my payments. The mortgage company explained that I would need to qualify for a permanent modification by making 3 successful trial payments. They provided me with the trial payment amounts and I successfully paid each trial payment on time and in XXXX XXXX they made my modification permanent. After reviewing my credit report a few months later, I noticed that the mortgage company marked my payment late for each month of my trial payment even though they had set the mortgage payment amount and I paid as agreed. This has caused a significant negative impact to my credit score as it is one of the only negative items. Had I known that they would mark me late I would not have went through with the modification process. I have contacted the mortgage company on numerous occasions asking for an explanation, and the only answer I get as that they say they are legally obligated to report me late. I believe there lending practice was deceptive and predatory. I have asked them to remove the late payments and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Resurgent Capital Services L.P.
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:
I have done several complaints regarding a debt thru  XXXX   XXXX   XXXX  and theservicer of the account Resurgent Capital Services. They have the opened date as  XXXX   XXXX  but that is the date they bought the debt. My original creditor  XXXX  charged it off  on XXXX    XXXX   XXXX  and my last payment on this account  XXXX   XXXX ,  XXXX  as they have clearly stated in the letter I have attached but they will not change the date in   XXXX   an d two years makes a difference. I thought the date on the credit report was the last date of payment not when the debt collector purchased the debt almost 2 years later. The date needs to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had s medical bill go into collections on XXXX/XXXX/16. I then paid in full {$820.00} and was told it would be removed from my credit. After going back between credit bureau and collection company the collections informed me that they could n't remove that the credit bureau would have to. Collection company even sent me a copy of the collection paid to send over to bureau. Was told after 30 days it would be removed but still hasn't.Other credit bureaus have removed completely but XXXX still has it listed as paid balance XXXX. This is hurting my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Trident Asset Management, L.L.C.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this company has placed a fraudulent account under my personal information related to an address ive never lived at for a gas bill. i faxed over the police report that my identity was stolen along with the FTC affidavit. ive called over XXXX times with no luck they keep asking me to send the police report which i have not XXXX but XXXX times. i ask that my right as a identity theft victim be enforced .i ask that this account be removed immediately since this account has hurts my person and my credit in the past and i was denied a home loan XXXX different occasions and i had to pay higher interest rates and suffered financial hardship because of them. 

I had also spoke to someone in the past and they mailed me a letter of deletion and verified the account was not mine AGAIN THEY ADDED THIS ACCOUNT and they are attempting to collect on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: ASSOCIATED BANC-CORP
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have spoken to 3 employees of Associated Bank on XXXX, XXXX. The bank has offered to share the attorney fees but refuses to do anything to repair the late payments they have placed on my credit rating. Until this issue, I have NEVER had a late payment listed on my credit. 

RE : Equity Loan Plan Account Agreement and Mortgage Note Loan No. XXXX Yesterday, I learned for the first time that my home equity account was past due because Associated Bank cancelled my scheduled automated payments that amounted to 2.5 times the minimum payment amount in XXXX XXXX. Associated Bank has retained a collection agency ( XXXX XXXX XXXX, XXXX XXXX, WI ) to foreclose on my home without contacting me concerning the stoppage of payment which Associated Bank admits they are responsible for. These payments have been in effect for over 3+ years without issue. 
Due to Associated Bank stopping the payments, I am now being asked to pay considerable late fees, attorney 's fees, etc. in the amount of {$1000.00}. My credit rating has also suffered a XXXX point reduction due to this issue ( XXXX in XXXX XXXX, current XXXX ). 
It is my believe that Associated Bank had a responsibility to notify me in a prompt manner ( XXXX or XXXX XXXX ) in order for me to resolve this issue without fees. Associated Bank failed to do so which has led to the current issues. Once notified ( XXXX XXXX, XXXX ) I immediately contacted XXXX XXXX ( XXXX ext XXXX ) to resolve this issue. Associated Bank wishes to hold my home as ransom to force me to pay all fees. I have offered to pay all back payments and late charges ( {$600.00} ) and even attempted to online pay the amount of {$600.00}. In order to resolve this matter I am willing to split the attorney fees of {$890.00} with Associated Bank if they agree to restore my credit to its level of XXXX XXXX. Associated Bank via email yesterday has given me until XXXX XXXX, XXXX to pay ALL fees or they will continue foreclosure. I have also been informed that a supervisor ( XXXX ) would contact me. This has not happened 24 hours later. 
If Associated Bank does not contact me to accept my offer I will pay the amount of {$1600.00} as required by XXXX XXXX, XXXX. I will then begin legal action against Associated Bank to have returned all fees and for {$3000.00} for the damage done to my credit due to Associated Banks actions. I have tried to be fair with this issue and have not even been given a chance to be heard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Cash net usa is not charging me on my payment dates they are doing it before and I 'm being charged overdraft fees each time and I have called them several times about it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX {$11000.00} account XXXXXXXX XXXX XXXXXXXX {$300.00} accont XXXX XXXX XXXX  account XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-03
Company: EQUIFAX, INC.
State: PA
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:
I am requesting a reinvestigation and your Method of Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/2015 I opened a complaint with Suntrust regarding fraud on my account totaling {$470.00}. The purchases were made over XX/XX/XXXX-XX/XX/XXXX. Not only were the charges made with vendors completely outside my purchase history, I provided my alibi of corporate payroll proving I was clocked into my work. Also, I tracked down multiple receipts from the actual vendors, XXXX being one in particular, which has every pattern of fraud one could think of. XXXX Salads, XXXX cans of motor oil, etc ... In addition the receipt shows a card not in my name being declined before mine was accepted for the purchase. Even with all the proof I gave to Suntrust and signing an affidavit affirming the transactions were not authorized by me or by any person acting with my authorization, knowledge, or content, Suntrust has denied my claim 4 times over the last 9 months. First was because the purchases " were in the region in which I was living '' and more recently because they are saying there is there is no way to prove there was a duplicate card or that someone did n't have my actual card with my approval. In addition, the revoking of my provisional fraud credit caused my checking account to overdraft twice.

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
Consumer complaint received 2022-06-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g I clearly sent, '' Wells Fargo '' a cease and desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.

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 2017-01-20
Company: Westlake Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/2016, I received a letter from Westlake Financial through CFPB stating that they would remove the double negative from my trade line. Per the letter, it stated that it will take up to 30 to 60 days to remove the double negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Transfer due to bankruptcy landed me with SPS XX/XX/XXXX. 
Final escrow analysis completed by XXXX  on XX/XX/XXXX leaving a {$1400.00} ESCROW CREDIT and final statement with XXXX balance. ( see enclosed ) My first Statement from SPS dated XXXX documents payment of {$890.00} with a {$120.00} chrg/fee and {$34.00} unapplied FOR WHAT? Due : XX/XX/XXXX {$980.00} I contact SPS questioning fees as this is my first statement and requested an escrow. First Escrow with SPS XX/XX/XXXX increased the pymt over {$250.00} with a new pymt of {$1100.00}. Table 3 does not indicate the {$1400.00} escrow credit was carried over from XXXX  and applied. The county tax was also incorrect. And {$570.00} WHAT IS THIS FOR? Indicating a shortage of {$2500.00}. INCORRECT! NUMBERS DO NOT ADD UP! 
New policy effective XXXX premium {$2200.00} ( declaration page include ) SPS says they paid {$3600.00} for the policy. Escrow stmt XX/XX/XXXX documents a different pymt for {$1100.00}. MY check # XXXX to SPS for escrow only noted on check ( enclosed ) NEVER APPLIED. NUMBERS DO NOT ADD UP! 
Escrow stmt XX/XX/XXXX documents pymt for {$1000.00}. Insurance information STILL NOT UPDATED. Escrow stmt XX/XX/XXXX documents pymt {$960.00} UPDATED INSURANCE. NUMBERS DO NOT ADD UP! 
It took from XXXX for them to correctly apply the insurance information and come up with a payment as evidenced by the multiple escrow analysis I requested and received. PAYMENTS VARIED AND FEES OCCURRED BASED ON WRONG INFORMATION. 
I set up direct pay from my bank to SPS for {$960.00} monthly and this pymt continues. The SPS stmt XX/XX/XXXX monthly pymt due {$1000.00}, unapplied pymt {$530.00}. XX/XX/XXXX SPS stmt pymt due {$960.00}, {$110.00} fee, unapplied {$340.00}. Every stmt after had a fee and unapplied pymt amount. NUMBERS DO NOT ADD UP! 
ALL OF THE FEES ARE DUE TO THE NEGLIGANCE of SPS NOT CORRECTING THE INSURANCE INFORMATION AS EVIDENCED ABOVE. THERE WAS NO ESCROW SHORTAGE. I SHOULD NOT BE REQUIRED TO PAY ANY FEEDS AND I AM DUE ANY UNAPPLIED CREDIT! 
XXXX SPS XXXX stmts have a new pymt amount {$890.00} unapplied pymt and fees continue. I continue to pay the {$960.00} XXXX bill dated XX/XX/XXXX premium due XX/XX/XXXX {$2900.00} was pd in XXXX. Escrow stmt XX/XX/XXXX updates insurance. XXXX policy effective XXXX is cancelled XX/XX/XXXX. New policy provided by XXXX new premium {$2000.00}. With a savings of over {$900.00} there should be an adjustment/decrease to my monthly pymt. 
On XX/XX/XXXX I made pymt of {$960.00}, XX/XX/XXXX pymt f {$2600.00} this account should be caught up! 
With all of the evidence provided there was no shortage ever, all fees need to be removed and the escrow correctly recalculated since loan inception!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
I took a Balance Transfer in the amount of {$15000.00} on XXXX/XXXX/2015 on my Barclay UPROMISE by Sallie Mae Mastercard. The starting balance before the transfer was {$0.00}. 
The minimum payment each month was between $ XXXX {$150.00}. In the following month ( XXXX/XXXX/2015 ), I made a merchandise payment of XXXX It is my understanding that under the " CARD ACT '' any payments that I make should first get applied to my highest APR component of balance. Unfortunately, it does n't seem like Barclay is complying with this rule and is continuing to charge me interest on that XXXX I made the following XXXX payments after the merchandise purchase XX/XX/XXXX:XX/XX/2015 $ XXXXXX/XX/2015 $ XXXXXX/XX/2015 $ XXXXAnyone of these payments should have covered the XXXX merchandise with a non-zero APR. But Barclay continues to charge me interest on that XXXX purchase. 
I have spoken to XXXX different agents including a supervisor, and I got XXXX different answers. The supervisor stated that they have the right to allocate the minimum payment any which way they want. Only payments above the minimum payment will be allocated to the highest interest rate first. Under this theory, if I had made a payment of $ XXXX $ XXXX {$230.00} then there would have been no finance charges. But their statement has a paragraph that says I had to pay over {$380.00} to avoid interest!!! That 's deceitful! 
Their statement is confusing and makes no sense. It should have told me the right dollar amount to pay in order to avoid interest. I could have paid the $ XXXXI just want to know what is the correct $ $ to pay to avoid interest and no one seems to know at Barcalys!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29
Company: Perfection Collection
State: MD
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:
The debt was originally created by an alarm system company called XXXX. I signed up with them while I in XXXX, NC because I am a XXXX. I had to leave the area and I no longer needed their services. They made the process incredibly hard, but I did everything they asked including sending in a letter stating I wanted to end my contract. I found out a few months afterwards that they were continuing to charge my account, and the only way I could get them to stop was to cut off and change my debit card. Spoke with them again and that did nothing, they continued to charge my account until it reached XXXX dollars that I did not authorize. They sold the collection to perfection collection who refuses to remove the debt from my credit report despite numerous fillings through experian stating the debt was illegally charged to my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-04-27
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Other

Complaint:
SYNCB did an unauthorized credit inquiry with XXXX on XXXX/XXXX/2015. I called SYNCB to dispute the unauthorized inquiry twice and ask both times to have it removed from my XXXX Credit Report. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated by Consumer. SYNCB stated they could not find no records of an application and that they could not remove nor send me a letter to have it removed. I also called Transunion twice to dispute the error of the unauthorized inquiry as they stated they can not remove it without a letter of error from SYNCB

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