BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I submitted an " error notice '' to the mortgage servicing company regarding a payment they applied to the wrong loan number. They sent a letter after some time acknowledging the mistake, but claiming they will be reversing and reapplying all charges from a date one month before up to the present. They then calculated that they only owe me a refund that is {$660.00} less than the amount of the " misapplied '' loan payment. 

They sent me the check in the amount of {$1200.00} and at the same time, sent me a NOTICE OF DEFAULT AND INTENT TO ACCELARATE stating I owe them {$1100.00}, made up of the {$1200.00} minus a {$160.00} Corporate Advance balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Prosper Marketplace, Inc.
State: GA
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:
Monday XXXX XX/XX/2021, I received an email from Prosper Marketplace Inc. aka Prosper Funding LLC, stating that I was pre-qualified for a loan of up to {$9000.00} and that checking my rates on said loan wouldn't impact credit score which means that they would only conduct a soft inquiry. However, they made a hard inquiry which did in fact negatively impact my XXXX credit score! 

YOUR PRE-APPROVED APPLICATION You're preapproved for {$9000.00} Finalize your loan of $ XXXX and your money could be deposited to your account as soon as the next business day after completion of all necessary requirements1 Lock in Your Rate Checking your rate will not affect your credit score.

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 2022-10-02
Company: EQUIFAX, INC.
State: IL
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 accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a business account with CITI bank and I was informed that monthly fee of {$19.00} would be waived if I signed up for XXXX device, XXXX XXXX. I met with XXXX XXXX representative and he signed me up for their services and never mentioned that there would be any monthly fee for their services. On XXXX/XXXX/2016 I found that my account was over drafted {$80.00}. As per CITI bank representative, I was charged {$32.00} by XXXX XXXX merchant, {$19.00} for the monthly CITI bank maintenance fee and {$35.00} overdraft fee. I should not be charged maintenance fee of {$19.00} by CITI bank, {$32.00} by XXXX was not authorized.

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 2022-11-16
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed by Bridgecrest/XXXX  today XX/XX/2022 for payment # XXXX being past due by 12 days. The payment was due to BridgeCrest on XX/XX/2022. The company has falsely repossessed my car stating that I have defaulted on the loan because I missed the First car payment when I didnt miss my first car payment. They are calling it a first payment default. I made my first car payment on XX/XX/2022. No where in my vehicle loan contract does it state that my car would be repossessed for missing a second payment. As of today I am 12 days past due on the second payment and the third payment is not yet due. I offered to pay car payment # XXXX and # XXXX tomorrow, but Bridgecrest refused to cure the loan so that I can clear the default. I did request that as well. I believe their practices as a subprime lender to be predatory and scammers. They took my down payment. They didnt try to work with me at all. Their consumer practices are unethical at the least.

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 2016-10-31
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
They did not responded to a challenge validation debt request. Later after 30 days of not responding certified mail letter of cease was sent, in spite of this FAMS has continue with demanding letters of collection. Both times that I wrote FAMS was thru certified mail. I have a copy of the validation challenge request certified mail sent to FAMS and the certified mail to cease of collection.

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 2023-03-28
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When we bought a new home in XXXX all of our credit cards were paid off. In XXXX we were contacted by a law firm called XXXX XXXX XXXX informing us that we had an out standing balance with Target in the amount of {$7000.00}. At the time we re taking care an elderly parent and I wasn't working so I made arrangements to make payments of {$290.00} a month until paid off and never thought about it again. In XX/XX/XXXX I was contacted again by the same firm saying we owed Target XXXX and they would accept a settlement amount of {$10000.00}. I told them that the debt had been paid off and again I tried to make payment arrangements. I gave them {$5400.00} and agreed to pay {$1300.00} until paid off I made a payment in XXXX of {$1300.00} then I stopped payment in XXXX of any further payments. I received a letter today stating that I still owe {$14000.00}. This is getting ridiculous, they keep refiling the same renewal of judgement dated XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote 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 non-monetary relief
Consumer complaint received 2017-01-24
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
im submitting a complaint because I went to a new XXXX, I provided my insurance card with the lab card and information. I was charged months later for my visit. They sent my lab work to there lab. not the lab my insurance takes. now im being charged. before my exit i asked the lady at the front desk if there is any cost or co pay. she said no. 
And now im being charged for XXXX bills total of {$860.00}. 
i called multiple times and finally was able to get a hold of someone from the Dr.office. the ending result was they could n't do anything for me, when in deed it was their mistake and lack of communication. they processed my lab work under XXXX 
Im being harassed daily with numerous calls from random numbers all times of the day. i haven received a collection notice from American Medical Collection Agency stating i have to pay this in XXXX days. 
i also would like them to provide proof for this claim. 
i did n't receive any notice or proof to receive any harassment. 

im not working right now and im going through a financial struggle. I cant afford to pay for this and especially in XXXX 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 2017-02-20
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a XXXX ( not diesel ) in XXXX. It was considered a demo, driven by the XXXX dealer manager for a year. On XXXX, I brought the car in because the engine light was on and I was due for an emission test. ( I regularly had all service done on the car..but not necessarily with XXXX, had issues with them ) I had had an issue with the engine light being on sporadically for as long as I owned the car, it was repaired but then would come back on.The day I brought the car in the XXXX service center said there were 4 issues with it. I picked two to be repaired which would include the engine light issue and the other one XXXX thought was more important, with the other 2 to be repaired at a later date. I had just spent over {$2200.00} in repairs 2-3 months previously. Five minutes after I pulled out of the dealership the engine light went back on. I was on my way out of town so I could not return. I am disputing the XXXX charge. I have reached out to the State of CT Attorney General 's office, obviously I am not important enough ... they only do " mediation '' ... I have spent hours putting together all my paperwork..and ST of Ct only sends me XXXX copy of their reply ..twice. I did dispute the charge with my credit card company ( CitiCard ), which they originally credited me..but the charge was put back on my card. I am willing to sacrifice my credit on principal. The employees at the XXXX CT XXXX dealership lied. I am attaching backup for your review. Your help is very much appreciate.

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 2022-11-16
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:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

They do not have my permission to report on my consumer credit report.

IDemand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine.

letters have been sent certified mail and return receipts have been received by me.

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX na : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX  XXXX : XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
WELLS FARGO BANK now you have the information to make this right. I know this is money laundering and if not corrected you are put of 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 explanation
Consumer complaint received 2017-01-06
Company: DISCOVER BANK
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am still having problems filing a loss mitigation package with my secondary mortgage holder. The amount that is owed to Discover Bank is less than 8 % of the value of my home and less than 23 % of the available equity of my home. I have attempted to settle with them due to loss of income since XXXX of 2015. This is the second time I am filing a complaint against them. Each time I send the information they request they come back with missing information needed. When I request that they inform me of all missing information needed I supply the missing information then I receive another communication from them informing me I am missing more information. This has been an ongoing issue with them. Now they want to see Bank information from my XXXX children who I happen to be a secondary signer on their account. They are not associated with my mortgage in any way, shape, or form. They have not given their signed permission to release this information and I have informed Discover of this fact. They are now threatening to close my request for a loss mitigation package. Let it be known that Discover has consistently been unreasonable with their request for information, and they are only the secondary mortgage holder on this property. Our Primary mortgage holder settled with us last year with not issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
According to the law 15 U.S.C 1681 ( i ) & 15 U.S.C 1681 ( b ) & the Gramm-Leach-Bliley Act, I XXXX XXXX, did not given my written consent to furnish this data on my credit report. 

The following Inquiries are in violation of the FCRA and FDCPA. 


XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX  Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2022-11-16
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On, XX/XX/XXXX, my account had three separate {$500.00} withdrawals through XXXX from three different people whom I do not know. I have only used XXXX to pay someone many years ago and since have not. 

I immediately went to the bank and they began the investigation process. I changed my account number, cards, etc. XXXX XXXX, I heard back from PNC Bank and they said there was nothing that PNC Bank can do, that I will not get my money back and to file a police report due to crime committed against myself. 

These are unauthorized transactions for a total of {$1500.00}. I am the sole provider to my family and this is truely hurting our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've been receiving numerous robocalls, hang-ups and a few calls where caller does n't ID themselves, where they 're calling from, who they are and the nature of their call. These calls are fro XXXX, Discover, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX Bank has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested. 

XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
Discovercard XXXX XXXX at XXXX XXXX did n't ID where calling from, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX am did n't ID where calling from. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX. 

These are just the calls that I kept track of. Most are robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call XXXX times a day?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter dated XXXX XXXX XX/XX/2015 fro PRA LLC- attempt to collect a debt they bought in the amount of XXXX The letter said I had 30 days to dispute- which I did- I sent a XXXX letter dated XXXX XXXX ( receipt is attached ) stating- I wanted proof they were able to collect on behalf of this debt, I wanted validation of debt, and that the statue of limitations had run out on this debt in the state of Texas. I never received any response- It is now on my credit report. All documents are attached-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Affirm Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I looked at a product XXXX sold through Affirm. I never received it and had immediately cancelled. I have been harassed and threatened ever since. They are threatening to report me for failing to make payments on a product I cancelled immediately and never received. I have called them and was told harassment would stop but it has continued via text. Now they texted me threatening to report on my credit rating and demanded payment for a product I never received and immediately cancelled. I was told contact would stop and it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had discover student loans. I refinanced them with XXXX. XXXX sent them the check for the refinance on XXXX XXXX 2016. Discover cashed the check on XXXX XXXX 2016. The money never posted to my account. Discover says although they might have cashed the check, they can not locate the funds therefore they can not do anything about it. XXXX has sent check images to prove the check was sent and cashed but discover still say that it is not their problem. They are not doing anything to resolve the problem. They will not talk to XXXX about the issue. Discover still says I owe about XXXX dollars when my loan through them should have a {$0.00} balance. I have called them almost every day since XXXX to resolve the problem. I keep getting pushed around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo has withdrawn a $ 30 monthly fee from my checking account since XXXX 2014 without my permission. I have only recently been made aware of the withdrawal. Wells Fargo insists they can only credit me for 90 days and will not return the remaining balance of {$150.00} to my account.

Company response to consumer: Closed with explanation