BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US Bankruptcy Court Northern FL XXXX XXXX BANKRUPTCY DISCHARGED XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL 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 non-monetary relief
Consumer complaint received 2021-05-03
Company: Godwin-Jones & Price, P.C.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, You have an open complaint XXXX XXXX XXXX, which is currently being investigated. In looking at it, though, there doesn't seem to be a way to attach additional information. I'm finally starting to receive monthly statements, and, in addition to the legal fees they're trying to collect, they've added a " re-rent through '' amount of about {$1200.00}, which I don't believe I should pay since I haven't lived in the community since they evicted me in XX/XX/2020. The document is attached here. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this collection for over 3 years since, XX/XX/2018. 
I paid my service contract, in full, with XXXX when I ported my XXXX phone numbers to XXXX XXXX XXXX. The phone numbers can not be released by XXXX unless they have a XXXX outstanding balance. The numbers ported to XXXX XXXX XXXX from XXXX with XXXXXXXX XXXX consent, were : XXXX and XXXX. Both of these phone numbers have been under an XXXX XXXX XXXX service contract under XXXX XXXX XXXX XXXX, since that day. There was one phone, an XXXX XXXX, that was leased, so I had cleared the memory at XXXX XXXX XXXX store and later, sent the XXXX XXXX XXXX back to XXXX XXXX in the XXXX  provided, pre-addressed, Yellow envelope. Over the last 3 years, I have been harassed by at least 3 different collectors on different amounts, for different account bills, and nothing in writing consistent, from XXXX, from the prior collection attempts nor the validation of the new collection amounts. 
I have always disputed this collection, as I had the paid in full letter sent to the XXXX XXXX XXXX dealer in XXXX, the day we started the new account with XXXX XXXX XXXXin order to be able to get the release of the phone numbers, mentioned earlier, and " ported '' to the new phone service aith XXXX XXXX XXXX from XXXX. I could only do that with XXXXXXXX XXXX permission and guarantee release of the phone numbers to the new service provider. I pourchased a new phone from XXXX XXXX XXXX in order to be able to return the XXXX XXXX to XXXX in their envelope mailed to me that was bright yellow. 
Suddenly, XXXX started sending me more envelopes and stating they did not receive the phone. Later that year the collections began for unpaid balance charged for the subsequent month after the phone numbers were ported to XXXX XXXX XXXX. we closed the accounts and the service was not provided by XXXX because they no longer had the phone numbers in their control after releasing them XX/XX/2018. There is no service amount owed, as per the earlier disputes resolved with XXXX. Neither XXXX nor the current collection company, I.C. System Inc., which XXXX has now assigned the debt, for a new amount of {$700.00}, is willing to send me any written explanation of the debt and how they came to that amount, other than for a missing phone and services unpaid. No dates match the duration of my contract and previously the collectors stated the " lost phone '' was actually collected in an insurance claim from sprint with the mail carrier in the prior debt collection attempts. XXXX needs to substantiate this false claim, on the service bill they created falsely, from an account they state was paid in full and cancelled service, and paid in full, prior to my changing cellular companies.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they are reporting negative information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I was notified by Wells Fargo text alert of suspicious charges which I replied by texting XXXX the response text back was that someone from the bank would contact me I went to my mobile online banking which there was 3 pending transactions in the amt of {$19.00}, {$45.00} & {$3.00} which left showing a balance of {$30.00} and change, I previously viewed my balance that morning XX/XX/XXXX which {$97.00} was available.I missed the call becaus I immediately contact the bank when I tried to answer my other line there was no one available so I spoke with a representative in thr customer services call center who advise me the transactions was real and that I was notified by Wells Fargo text because a {$40.00} XXXX transactions was trying to post which did not so thats why I was beginning notified she advised me that she was stopping my card ending in XXXX and requesting a new card I informed her that I just got the card because of a previous message where I was notified about this before I received the new card the representative advised me this was more common nowadays she confirmed that I only had {$30.00} in my cheking account she advised that we would do a fraud claim which was filed on XX/XX/XXXX got the claim number and transfered the call over to the fraud dept which was not open on Sunday. I went to the bank on XX/XX/XXXX for a temporary card. Now XX/XX/XXXX the call center customer services are saying that the claim was filed for {$19.00} and I had over 200 in my checking account on monday XX/XX/XXXX because they did not post over the weekend. My transactions reflected on Monday XX/XX/XXXX night under {$10.00} on my online mobile banking because of my transactions using the temporary card, the Wells Fargo supervisor is now telling me today XX/XX/XXXX that there was no claim for the {$45.00} & {$3.00} which fell off my account but I was given a provisional credit for {$19.00} which funds accounted because I went online after a deposit of {$170.00} posted on XX/XX/XXXX which I paid {$63.00} for a bill and the following morning XX/XX/XXXX I checked my account I had a available balance of {$120.00} which the {$19.00} provisional credit was posted. They are saying the funds has never posted to my account because they were in a pending transactions but online banking showed that those funds was not available in my balance.

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 2022-09-09
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  membership was taken out using my SS number. contacted collection agency who instructed me to submit through federal trade commission website. 
a few months ago, my identity information was stolen along with my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a modification from Ocwen back in XX/XX/XXXX.The modification included monthly incentives which stated that client would receive {$83.00} reduction or the principal balance after each of the first through fifth anniversaries of the month in which the trial period plan is executed. I followed all instructions to receive the {$83.00} reduction and did not fall behind during this time restriction. When I realized that I did not receive the incentive, I contacted XXXX XXXX from HUD which supported me with an mediator to help comply with terms of the modification incentive. I spoke with the mediator over a few months and the mediator spoke with a representative from Ocwen which resulted in suggestion that ( HUD, FHA ) would hold back a payment to get them to comply. Nothing resulted from the situation with HUD or FHA that was trying to help the client with the situation. The next steps that was suggested to me is the UD Treasury and finding out what department handles the modification incentive agreements. I was sent a letter in XXXX from Ocwen stating the funds will be applied but there was no funds applied to my account. I was sent letters to meet with them on several occasions but I did not see the fruitfulness in meeting with them in lieu of payments due. I contacted two State Rep offices to see if I could be assisted with this matter and I was told I need to find out what department handles this matter in the US Treasury. I am now in the pre-foreclosure stage with PHH Mortgage which is now handling Ocwen accounts. I do not want to modify with the fact that the mortgage company owe me money which I haven't received yet. 

Additionally the trial payment lasted for a year which is arduous. I originally had a 9 % interest rate when I received the modification the interest was reduced to 4.5 % for 30 years which I did not want however I was told by a counselor to sign the modification in order for me to save my home. I was not given the option to appeal the decision. I am now applying for a modification and would like to understand why was the modification recorded 3 years later with the incentive documents missing. I have the original modification paperwork in my email which came from XXXX XXXX which is an Ocwen associate. I am attaching my document I received orginally and the document that Ocwen recorded on XX/XX/XXXX with the missing incentive documents missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: CO
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 recently applied for a mortgage, and as part of that process my bank ( XXXX XXXX XXXX ) checked my credit with Experian. After that I started receiving about 5 calls a day from mortgage companies I never contacted. I engaged with a couple and all of them told my they were sold my name, phone number, and address by Experian as a lead. I never consented to Experian sharing my information. Some of them were predatory with suggestions that I had filled out an application with them.

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 2017-06-17
Company: I.C. System, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received the attached letter in regards to    XXXX   XXXX   . The amount in question is from an account I am unfamiliar with. Also, the amount allegedly owed is an amount that will not equate to any billing amount I ever received. Also, this letter is insinuating I allegedly had  XXXX  separate  XXXX   XXXX  accounts, which I beg to differ.

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 2022-09-09
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: Public record information inaccurate

Complaint:
XXXX Left negative remarks on my credit reporting. On the remark they left " Payment after charge off/ collection settled- less than full balance. 

I need XXXX to delete the negative remark on my credit reporting it is inaccurate.

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 2017-06-17
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought this car in   XX/XX/XXXX   at  XXXX  at  XXXX  of   XXXX   XXXX  , it was financed by  Santander consumer. I still owe this same amount on this car as when I first bought it. I have contacted Santander several o f times about this, and they always give me different reasons why I still owe this amount. I have contacted better business bureau in or on   XX/XX/XXXX  the y have n't been able to help me, I have n't received any result about me paying on this car for 2 years, and I owe the same amount as I purchased it for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: CHECK INTO CASH INC.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a phone call from a company named XXXX XXXX. When I answered the call there was a man asking to speak with my wife. I explained that I was her husband and asked how I could help him as my wife was not home. He told me that there was a check written in 2012 to check into cash for the amount of {$500.00} plus dollars and they where trying to collect. He said we had to pay this money or they would be filing charges on my wife for defrauding a financial institution. I explained that I do n't recall this debt however I do recall having a debt for {$300.00} to check into cash however I have never received any notice about this debt. I asked him to send me proof of this debt and he said no we have been sending letters for the last few years to a prior address. He then said the do n't have to send anything as they have made several attempts to contact. I then told him we do n't have the funds. He said he was transfing me to a supervisor. The supervisor said he would give us two weeks to pay and asked for my credit card info. I gave him the info and he said I would be receiving a XXXX via email and had to sign it and ended the call. I received the XXXX  and signed it. However after the fact I noticed that the email at the top was to a personal XXXX address and became suspicious that this was a scam. I called check into cash and they said our debt was with a collection institution and the amount was for {$300.00} plus dollars. I then called my local law enforcement. They told me to put a stop payment on my card and if they did take any money then they could go after them. So I did. On the day they where to charge. I received a call again from XXXX XXXX they said they tried to collect the payment but where unsuccessful and asked me why. I told them what I had done and the man who never gave me any name said ok we are going to make sure your wife goes to prison and that I was being an XXXX XXXX and hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-17
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Keep getting interest rate increases without any late payments or any notice.    XXXX   XXXX    XXXX    XXXX    XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
I paid off a vehicle consolidation loan with Navy Federal Credit Union. Once the vehicle loan was paid I requested the title I made this request in XXXX of XXXX. I have called NFCU 10 different times requesting the title and I have not received it as of XX/XX/2022. They emailed me documentation which I signed and mailed back to NFCU and I still have not received the title. They damaged our credit due to this loan, now when its time for them to send the title I am getting the run around. I would like the vehicle loan mailed to me with in 7 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a fraudulent charge on my credit report from XXXX XXXX I have never purchased anything from them.. I spoke with Experian today and they said they are going by what the company says, that isnt fair thats fraud, just because someone says you owe them dont mean they are telling the truth and for Experian to allow this I feel they are helping these fraudulent people.. The other two credit bureaus reported this as fraud Experian is the only one keeping it on my report.. I have no knowledge of that account with XXXX XXXX Experian let them update the information when its fraud, how can they update the charges to 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 2022-02-18
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a couple pieces of mail, dated from XXXX from PNC Bank stating that there were 3 accounts opened in my name. I spoke to PNC and they closed the accounts but also suggest me to contact the FTC and the credit bureau as someone has my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: CA
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:
There are a couple of accounts that do not belong to me on my credit reports. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I applied for a credit extension and gave them my ssn. Once ace cash express accepted my application they have now entered into a fiduciary relationship with me and have to act in my best interest. Since banks cant loan out their own stock pursuant to TITLE 12 USC 83, where could the money possibly come from. They are obligated to compensate me for the use of my SSN, since I havent received any benefit it is now an unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Santander USA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX New auto loan:XXXX XXXX XXXX VIN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX, car is great, lender public known for various predatory lending violations in over 34 states  AZ Case Attorney General vs Santander USA Inc XX/XX/2020 XXXX XXXX. Loan amount {$19000.00} Annual Percentage Rate 19.25 72 mos $ XXXX.mo {$13000.00} finance charges, XXXX XXXX stated necessary to purchase extended service contract to be approved after approval Santander stated this was not true and cancellation permitted payment would not be lowered. XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX CEO has associated store XXXX XXXX listed in the court filing for predatory lending violations currently, your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Conduent Incorporated
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
The merchant processing company denied claim because they could not get in touch with merchants. They paid fraudulent charges and and are not refunding the money or the overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: TX
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:
Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by Experian/XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. No phone number given. Letter sent to the company XX/XX/XXXX requesting why they obtained my credit report. The company has not responded. I do not recognize Experian/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