BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: CA
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:
In Accordance with the Fair Credit Reporting Act Convergent Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S. Code 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

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 2017-05-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We have automatic debit setup to repay our loan. Payments are drafted on the  XXXX  of each month. A telephone call on  X/XX/2017    asking to post-pone the  X/XX/2017    draft until  X/XX/2017    was denied. I was told we must call 3 days in advance to alter our automatic debit payment and my call on  XXXX  was too late. I asked if this was communicated to their customers? The representative said " does n't know. '' The rep attempted to cancel/post-pone the transaction but it still went through and I was assessed an overdraft fee of {$37.00} by my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
American Express tried to debit an unauthorized amount of {$900.00} out of my checking account, when I had a {$0.00} below ( I did not owe them anything ), causing me to get a returned payment fee with my bank and American Express. When I called American Express to report this, they acknowledged I did not owe anything, but said I tried to make the payment, so they would not credit me back the fee. I told them I definitely did not make a payment of {$900.00}, when I had a {$0.00} balance ... that just does n't make sense. All I wanted was for them to remove the fee they were charging me for THEIR mistake, but they refused to do that. I then asked to speak with a manager and they just transferred me around to other people with the same job title, putting me on hold each time, never putting me in contact with a manager. This is ridiculous. They need to be held accountable for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26
Company: CHECK INTO CASH INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
In XXXX of this year I received a high interest loan from XXXX XXXX. In XXXX I was unable to keep up with the payments which were not moving my balance and requested that the cease EFT debits- which they did. 

In XXXX the loan was sold to CC recoveries. In doing some research it appears this loan is not legal in the state of VA. I called CC Recoveries on XX/XX/XXXX and advised I plan to report the illegal loan to the states AG and requested a copy of the contract. I was assured it would be emailed to me by COB that day. The collector asked me repeatedly if I could make a payment - which I told them I could not. The collector ended the call by stating they will continue to pursue the debt and I will get daily calls ( they call MULTIPLE times per day ). Fast forward to today ( XX/XX/XXXX ) I go to check my bank account and see that CC Recoveries has withdrawn nearly {$700.00} from my checking account. I did not authorize this withdrawal. I called their office and spoke to XXXX who advised since I authorized XXXX XXXX, that authorization carried over to their office - although revoked. How can this be? They are a 3rd party who I have no agreement with, I told them I was disputing the legality of the debt under VA law and they still believe they can randomly hit my account for {$700.00}? 

This company and XXXX XXXX need to be investigated for illegal practices- repay phone calls, unauthorized withdraws, legality of loan in VA. 

CC Recoveries can be reached at XXXX. My account number is listed as XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I noticed that the principal owing is $ a little over a {$1000.00} More than when Greentree was servicing my loan, in addition the late fees are wrong, the dates that the company says amounts were credited is wrong, interest rate appears to be wrong, at 9.925 % the company charges {$19.00} to pay by phone it will not except any amount other than what their website says is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX 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 None of the accounts were deleted from my account and are affecting my financial situation.

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 2022-08-31
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I deposited a XXXX dollar check into my account at Wells Fargo XXXX The pictures were very blury, but I the go ahead to deposit the check I was given two check marks meaning every thing was good.On the XXXX I had message stating I had not endorsed the check and they were placing a hold on money for a week .l called them immediately and talked to a banker, I explained this was not my fault it was their systems fault. I also stated I needed my money released so l could by groceries. They wouldn't lesson to me, I had to wait until the XXXX to get my money I am asking for XXXX $ for my pain and suffering.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Collections account reporting on my transunion credit report from radius global should be removed. The account was incorrectly placed on my credit report b/c my insurance should have taken care of this charge. I reached out to radius gobal and was told if I pay the account in full, which was {$220.00}, that it would be removed. I paid the account in full and it has been removed from XXXX and XXXX but Transunion has not removed. I reached out to Transunion and denied my dispute to remove it.

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 2016-04-21
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016 our prior mortgage company sold our mortgage to PNC Mortgage. with our first payment to the new company to begin on XXXX XXXX. PNC did not have us set up in their system so we were able to pay over the phone without any extra charge. For the XX/XX/XXXX Payment I paid on line and was charged a extra fee of {$7.00} even though in this day and age everyone pretty much pays their bills on line I do n't think we should be charged for a service in which they get they funds quicker ... that is the first issue. Here 's where the big issue starts ... for the XX/XX/XXXX payment I sent in a check with the coupon from the book they sent us. I made my check for the amt. they had on the XX/XX/XXXX coupon only to be told that we did not submit the correct amount that we still owed {$81.00} more even though that 's not the amt. on the coupon. They called and said they were holding our funds but cashed our check. After speaking with a supervisor who did a escrow analysis on our account we were told that we only owed {$24.00} and received a confirmation number that we paid the extra funds. We were told that a new coupons with the additional {$24.00} each month would be sent with the corrected amt. We now received a letter saying that we owe an additional amount of {$56.00}. Just prior to the sell of our Mortgage we made a payment of {$500.00} to our escrow to make sure it would not be short and to keep our payments the same or less. Also the PMI came off during this time, plus we lowered our homeowners ins. We have never been late or short during the 13 yrs. that we have had our mortgage, if anything we overpay when we can to help pay it off sooner. PNC keeps changing the amount which is causing us to look late when in fact we are not. We feel PNC is purposely causing this issue by not having their books straight. We have never experienced this with any of the other companies that have purchased our account in the past. We feel that they are tacking on additional funds that are not suppose to be there. Please help us resolve this issue. We have no idea as to what we are to pay in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: AR
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX/XXXX  XXXX {$4900.00}

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX/XXXX XXXX {$4900.00}

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 2017-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a Capital One account listed that I owed them which I recall settling out an old Capital One account years ago and I do not owe a debt to Capital One. I have disputed this with no response please help. 

The account is reflected on my credit file as Capital One XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: MOHELA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I returned to college in XXXX. I attended XXXX XXXX XXXX part time on an XXXX while also working full time. I was married and had XXXX daughters. In XXXX, I had completed all the XXXX college had to offer and transferred to the University XXXX XXXX. I received XXXX to attend the university that covered my tuition. Student loans covered XXXX school tuition, books and living expenses. 

I graduated, XXXX, with a XXXX in XXXX XXXX. I was offered a job at the XXXX where I had done my XXXX that would begin in late XXXX. Then, on XXXX XXXX, XXXX Hurricane XXXX struck, with the eye passing directly over my home in XXXX. In a weekend, our lives changed drastically. I moved XXXX to live with my mother and got a job with XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. During the first three years of working, my student loan payments became erratic in the XXXX months because I was not always able to find temporary employment. During this time, I used up all my deferment and forbearance periods I was entitled to. By XXXX, I was fully employed throughout the entire year and was paying all loans regularly. In XXXX all of my loans were consolidated and the principal amount was approximately {$28000.00}. 
In the last 10 years I have tried to apply for several loan forgiveness programs but have never been eligible because of the dates of my loans. XXXX programs forgive loan balances after five years XXXX. I worked in XXXX my entire career. During my 22 years working XXXX and indirectly affected thousands more through my work XXXX Another loan forgiveness program is for public service employees. It forgives loan balances after paying on time for XXXX consecutive months. I have paid on time for XXXX consecutive months. When I recently inquired about loan forgiveness I was told I am not eligible for forgiveness because of the dates of my loans. I have already paid {$50000.00} for the {$20000.00} I borrowed. I do not understand why there can not be the same forgiveness for my loans as there is for those who do meet the date requirements. Aside from the dates, I meet all other eligibility requirements. 
The interest rate on my loans is 8 %. It is continuous compound so interest accumulates every day on the unpaid balance. 
I feel like I have been a responsible borrower, paying regularly every month. With the current situation I will pay these loans off in XXXX and will have spent approximately {$85000.00} to pay the loans back. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2015-05-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The issue is I purchased a house in Louisiana I XX/XX/XXXX and shortly afterward I joined the military. Since I got stationed in XXXX. I allowed a family member to stay in the house under the condition she would pay the mortgage. Unfortunately she was n't paying the mortgage and I did n't find this out until XXXX XX/XX/XXXX she had n't paid for 42 months. But it was too late for me to rectify the situation. The mortgage was already XXXX dollars in the behind and I do n't know. I had n't received any notification from the mortgage company. Nothing was showing on my credit report. Now the bill is close to XXXX dollars. Nevertheless the mortgage did n't foreclose because I was a military member. So I tried to make some type of arrangements to get the back mortgage under control, but the mortgage company refused to accept any payment less that XXXX dollars, but wo n't foreclose on the property either. I then tried to surrender the property back, but I kept getting the run around and then finally denied for information for not providing information when I did provide it. So now all the property is doing is accruing debts. I have the house up for sell, but now the mortgage representative are lying to my real estate agent saying that ca n't give her a BPO without me revoking my cease and desist. They are using the fact that I 'm in the military as a loophole to allow the property to get deeper and deeper debt. I 'm not even stationed in the state that the house is in. The mortgage company is making every attempt to make any resolution to this issue impossible. The company is trying to force me into a Loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score from Equifax and XXXX, as reported to me via XXXX XXXX and XXXX XXXX XXXX XXXXXXXX is XXXX Excellent, however, when I recently applied for a mortgage re-finance, the mortgage broker, XXXX XXXX XXXX, received a credit score from Equifax of XXXX. I contacted Equifax and complained, but they stated that the mortgage broker likely used one of their other credit models that was different from the credit model used to provide my credit score to the XXXX XXXX and XXXX services. Using a credit score of XXXX is, obviously, going to result in my having to pay a much higher interest rate on my mortgage re-finance than a credit score of XXXX. A credit reporting company should not be allowed to issue different credit scores like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
my name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX fl. XXXX. I keep getting phone calls from creditors asking for XXXX XXXX and she lives XXXX XXXX XXXX XXXX XXXX florida XXXX. I get calls from her creditors asking for XXXX XXXX and I keep telling them that she does not live here and that the number they are calling is not hers. Today I called the FBI, Federal Trade Commission and they directed me to consumer finance. I am scared she is trying to do a scam on my property or my name. I can be reached at XXXX or my cell XXXX. I also am receiving mail in her name but with my address on it. The creditors that have been calling are midland XXXX. XXXX. 

Thank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The companies are reporting inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: ALLY FINANCIAL INC.
State: MS
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:
My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )

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