BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
I had a Capital One Credit Card account that was opened in XXXX and paid and closed in XXXX. Recently Capital One reported my account to the credit agencies as a charged off account. I contacted Capital One and the representative stated that the information was a mistake and the derogatory account with be removed the credit reports. I recently checked my reports again the information is still appearing on my reports. Once again I contacted Capital One and another representative stated I owe {$1800.00} I stated this account was paid in full at the bank. I send Capital One the receipt and about 2 1/2 weeks later they apologize ancestors once again the stated the the information will be removed from the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Stephen L. Bruce, P.C.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It has come to my attention that a company by the name of XXXX XXXX XXXX XXXX, XXXX, XXXX is attempting to have my wages garnished on a debt that does not exist on my credit report or any other places that I can find. If the debt really does or did exist it must be at least 12 to 15 years and far exceed XXXX 's statue of limitations credit card debt collections. Furthermore, there was no written or verbal contact made to me regarding to gravity of the matter, nor was I served ( There is No affidavit of service for XXXX XXXX XXXX XXXX. XXXX ) to be made aware that this step was being taken by this firm. I was totally blinded sided. It is hard for me to believe that this is even legal. They have put my longtime career in jeopardy and I may be terminated as result of their inappropriate actions. Please note, I also called this company on XX/XX/2022 and they refused to speak with me. Wouldn't let me go past my name and date of birth, which I am certain is just ploy. Here is a list of FDCPA violations I believe they have made, I will only use codes for lack of space. 1692 e ( 2 ), 1692 e ( 7 ), 1692 e ( 14 ), 1692 f, 1692 f ( 1 ), 1692 g, 1692 i ( a ) ( 2 ). These are just a few.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Hello, I would like to file a complaint against the Renton Collections Inc. XXXX XXXX XXXX XXXX XXXX WA. I have notified this agency multiple times both by phone and mail not to contact us regarding our debt with XXXX Hospital. Today they contacted my wife at her place of employment. When my wife spoke with them today they again refused he direction not to contact her at work. They refused provide any information regarding the debt. I called and spoke with XXXX XXXX who said she was a manager. I explained to her that I have notified them several times not to contact us as we are working with the medical group directly. She then became abusive and refused to provide me with her supervisors contact information. I indicated that they have again violated the FDCPA by contacting us.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: MORGAN STANLEY & CO. LLC
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I over the period of about 10 years basically wiped out my Rollover IRA. This was done via email through Letters of Authorization. I was never informed by the brokers at XXXX XXXX XXXX and then Morgan Stanley that these early withdrawals would be subject to early withdrawal penalties. In addition, this year when I got very ill and my wife took over via a POA she discovered that the Broker never contacted her about these withdrawals even though it is a joint Financial Management Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Old information reappears or never goes away

Complaint:
XXXX  have authorized 37 inquiries to show up on my consumer report without my permission and I tried to report it and they wouldn't help. 
I paid over XXXX to fixed my credit and XXXX make it hard to take any off and according to consumer law anything reporting to my credit without my permission has to come off and they won't follow their own law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My long standing equity line loan was sold to a new servicer SPS Select Portfolio , Inc. ( XXXX XXXX XXXXXXXX XXXX  ) effective XX/XX/22. This company appears to be for someone with delinquent/foreclosure/late payment issues of which I have never in my life had one. My payment due for XX/XX/22 was in the amount of {$1200.00} as with with my original equity line provider ( XXXX XXXX XXXX ). They did not post this payment to my account ( of which I could see on line ) and I called many times and they did not explain why. This should have been shown on my online dashboard within a day or two as with any other servicer with a breakdown of how much went to principal and how much to interest. My XX/XX/22 payment was for {$1200.00} and again paid through my XXXX XXXX XXXX bill pay debited XX/XX/22. I then receive notice that they arbitrarily and deceptively ( modified )? my XX/XX/XXXX payment due to {$770.00} thereby reducing the amount of principal being applied in half. I did not request this is asked them to explain and correct this to keep my payment at {$1200.00} ( of course with interest calculated at my original terms which it appears to be ). When I checked my balance one line I saw they did not apply the addition principal I paid to keep my payments at {$1200.00} and again called and spoke with XXXX XXXX he would not give last name or employee ID ) he said " the money went to the cashiers dept and he would have it corrected/applied ). I asked him to please have done that day as interest would accrue at the lower principal applied and to please call me back that day to confirm he said " he or someone would call me back '' but no one did. Upon calling back on XX/XX/22 I spoke with XXXX who saw the {$460.00} add'l principal and said " she will have it applied and it will take 10 days ''. This is ridiculous as payments must post as of XX/XX/22 and be shown on my online account for me confirm they did it in a timely manner. Today I checked the dashboard " payment information '' and it shows a " scheduled payment of {$800.00}. Again, I did not ask them to modify this loan from the XXXX and find that to be an illegal practice. Also, under " Letters - loan owner notifications '' upon opening read " Letter not found '' Upon investigating SPS I found they were fined {$40.00} XXXX dollars and settled with the FTC under the name of XXXX XXXX so they now have changed their name to SPS Select Portfolio Servicing. I am not understanding how they were allowed to continue with being a servicer. There are law suits and complaints online from thousands of people. It is clear they are still engaging in unfair, deceptive, and illegal practices in servicing my 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 2016-03-26
Company: JNR Adjustment Company, Inc
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 'm a victim of identity theft someone took my information and opened up accounts in my name and I just found out about it this is unbelievable it 's killing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: STATE FARM BANK, FSB
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The loan application started and I received my 1st loan closing fee XXXX/XXXX/16 {$4500.00} 2nd loan closing fees XXXX/XXXX/16 {$3600.00} 3rd loan closing fees XXXX/XXXX/16 {$4100.00} 4th loan closing fees XXXX/XXXX/16 less then 24 hrs for the last {$5300.00} It has been 93 days and the loan is still not closed, now we have a closing set before the of the year and the fees keep going up and up They stated that ant fees would be around {$300.00} now {$800.00} The answer was they were, backed up, they were not backed up when XXXX to pay upfront fees of {$450.00}. 
I gave them everything they wanted since day XXXX and it took over 100 days to process and fees keep going up and up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently XXXX Capital One Capital One, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Consumer Portfolio Services, 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:
I looked at my consumer report and noticed these unauthorized inquiries. I gave no one permission to view my report. There was no permissible purpose written to these companies. Companies are as follows : XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX Credit Card XXXX. 
( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland credit management XX/XX/2020 {$1200.00} In accordance with the fair credit reporting act, this creditor has violating my rights under 15 USC 1681 section 202 states that I have the right to privacy.

15 USC 1681 section 6048 section to it also states that consumer reporting agencies can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit under an open consumer credit plans as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX things are happening at TD Bank : First, they offer overdraft protection on checking accounts. They deliberately process transactions in an order that results in the highest fee. For example, if there is {$30.00} in a checking account, and a transaction for {$20.00} and XXXX for {$35.00} is put through. Regardless of which gets there first, they process the higher amount first and then the lower amount, creating XXXX overdraft fees. Also, they do not post overdraft fees at the time it occurs, but rather post it days later. So your online balance shows positive, but days later several overdraft fees are posted! And what you saw as a positive balance, really was not. I used the overdraft but have never had so many problems keeping my balance on the positive side!! And it 's the excessive number of overdraft fees that are being applied after the fact that is making it impossible. It took me a year to figure out why I was having so many struggles with my checking account. I am looking for a new bank. I realize that what they are doing may not be illegal, but it certainly is unethical. It is usury in disguise!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02
Company: AMERICAN EQUITY MORTGAGE
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My newly former manager has been contacting customers for loans XXXX and XXXX without a license and has been doing so since as early as XXXX/XXXX/2016 when he took over as branch manager. There are XXXX mortgage originators licensed XXXX in that office and XXXX in PA but not the branch manager. He has violated XXXX rules since he arrived 7 months ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i pulled my report and noticed items thats not mine on my report. and filed a dispute i also filed an affidavit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am aware that my SSN belongs to the SSA ( Social Security Administration ) and anything purchased with that number is an obligation of the United States in accordance to 15 USC 8 and being that Bridgecrest is attempting to collect an alleged debt from I, the consumer makes them guilty and in violation of the False Claims act ( FCA ) 31 USC 3729-3733. 

Pursuant to 15 usc 1692 ( c ) I notified Bridegrest in writing refusing to pay the alleged debt and I demanded that they cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. The cease and desist letter was mailed out on XX/XX/2022, however, Bridgrest continues to harass and send me notices about this alleged debt via email and continue to report to consumer credit agencies ( proof is attached ) I also sent a debt validation notice requesting all documentary evidence and audit trail for this alleged debt on XX/XX/2022 and they have not sent over any of the requested information, other than a contract, which is not proper information required for the debt violation process. This is a violation of XXXX5 USC 1692g. ( debt validation letter attached ) Pursuant to 15 usc 1635 creditors must give the forms to exercise the right to rescind to the consumer and the right of rescission must be disclosed that the obligor has until midnight of the 3rd day from the date of the signed contract to rescind the contract. I do not have any forms in my contract for the right to rescind. This is a violation. 

Im aware that whoever willfully and knowingly gives false and inaccurate information or fails to provide information which he is required to disclose under the TILA shall be fined not more than {$5000.00} or imprisoned not more than 1 year, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: TMX Finance LLC
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
ate {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX 2016 and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX notified me that my address was changed with XXXX today. the change took place on XXXX. i have not moved and suspect this is identity theft. please have XXXX restore my address, which i have lived at for over 30 years. I would also like a copy of the request that generated the address change so that i can file a police report lock my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a screen shot that shows the incorrect address,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I sent a payoff check to Wellsfargo. They received it on XXXX and credited it to some other account. I have spoken to them several times with no success in getting this corrected. I have called and gone to a branch. They started on XXXX and said it would take 2 to 3 days and to day isXXXX and still getting no where with them. The loan is now 31 day late and I have gotten several calls from there collection department

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Southwest Credit Systems, L.P.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/22. I attempted to get information from Southwest credit systems. The representative was very rude yelling over me requesting verification of this said debt and a signed contract with my name and wet signature as I was attempting to speak and reading the fair credit reporting law. I requested a supervisor in did the same and stated I was not a real person. They asked who I was and I gave them that information. I again stated the law to them and that it was a violation of the law to report on my credit without having a contract with me directly. He or she then hung up the phone on me. I attempted to call back and the same action I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Senex Services Corp.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Senex Services Corp. has merged mine and my husband accounts. They transferred my husbands bills into my name. I have made several attempts for this to be corrected. I have XXXX accounts with them that I had a payment plan setup. They have cancelled my payment plan an refuse to take my payments or set it back up. The also refuse to unmerge mine and my husband accounts. Which in Ohio I am only responsible if ". Ohio has established clear liability for the medical debts of a debtor spouse when the debtor spouse is unable to pay the debt, to the extent that the other spouse is able. '' My husband is able to pay his own debt. We have separate accounts with both work. I told Senex my husband will be filing bankruptcy and I was told they would still sue me and come after me. They have refused to speak to me hung up on me and falsely released this to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
i was going to this private school called XXXX ( XXXX ) for XXXX program. while i was doing my XXXX the school was shutdown by the government. however the place i was doing the externship kicked me out because is shutdown. we supose to finish XXXX hours at XXXX to finish the school. I was almost there but somehow i was really disapointed when the school shutdown. So the weirds thing is this company that fasfa connected who paid my loan still asking me about the loan and keep adding some interest. i would like to get help for this because i didnt finish the school and i paid some of money and also i wasted my times. so i would like to get some help about this. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a car loan that was with a company called XXXX ( Now XXXX ) They are reporting information on my Transunion Consumer report wrong. I Disputed it, Yet they refuse to fix it Nor delete it since it is inaccurate. The CRA sent the dispute to XXXX who verified the info on the report. However when you compare all 3 reports you can see they ALL have different info being sent to the CRA. Meaning that the report has to be wrong since all of the data does not match the other 2 reports. Per the FCRA if all the data is not 100 percent accurate It can not be on the 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