BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the original creditor directly, the original creditor accepted my payment but yet the collection agency is trying to collect an amount that I do not owe!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: TD BANK US HOLDING COMPANY
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:
The account being reported by XXXX in question is TD BANK USA/TARGET CREDIT in the amount of {$410.00}. On XXXX-2019, I paid this charge off in one full payment of {$410.00} over the phone with the collections department of the original creditor ( TD BANK USA/TARGET CREDIT ).  On XXXX-2019, this account on my credit report had been updated to paid charge off ( $ 411-> {$0.00} ).  On XX/XX/2019, the balance on this account had been updated and was increased by {$410.00}. On my last updated XXXX credit report of XX/XX//2019, the payment status for this account reports as charge off with a balance of {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from XXXX  during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year XXXX  which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was 30days late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: NC
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 ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2018-12-02
Company: EQUIFAX, INC.
State: NV
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 credit file was affected by the XX/XX/XXXXEquifax breach. I have disputed this several times with the companies XXXX XXXX, however Equifax refuses to remove the following fraudulent information that were created in my name during the breach : INQUIRIES : 1. XXXX XXXX : XXXX XXXX, XXXX XXXX - Shoe, Hat, Etc. 
2. XXXX BANK XXXX NA Inquiry : XXXX XXXX, XXXX All Banks 3. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY 4. XXXX   XXXX BANK XXXX : XXXX XXXX, XXXX All Banks 5. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY 6. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Telephone Companies ( XXXX ) XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Utilities Contact the inquirer : MAIL ONLY 8. XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX   XXXX, CA XXXX 2. XXXX  XXXX  XXXX, NV XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ACCOUNTS : 1.XXXX  XXXX BANK XXXX Reported XXXX XX/XX/XXXX {$240.00} Closed 2. XXXX XXXX FACTOR Reported : XX/XX/XXXX. Collections Please remove this information for me. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: EQUIFAX, 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:
On XX/XX/2021 I submitted a dispute to your agency through the CFPB. 

Complaint Numbers : XXXX XXXX XXXX There was no change as a result of this dispute so now I had to get the FTC involved with this issue. The FTC is attached. 

Your agency continues to report fraudulent information on my credit report that I need removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: PNC Bank N.A.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 my husband and I applied for a HELOC at PNC bank in XXXX, IN. The loan XXXX XXXX XXXX completed the application on her computer and we then signed the paper work. The next day we received and email from the loan XXXX in charge of our application, XXXX XXXX. We were told the process would be that they would do a home appraisal and then submit it to their underwriters. I don't have the exact date but somewhere near the beginning of XXXX we received a congratulations letter stating we were initially approved pending the appraisal. The bank told us to receive the amount of loan we were asking for we would need a minimum {$250000.00} home value for a {$110000.00} HELOC. Our appraisal came back at {$250000.00} as is and higher once the project was completed. On XX/XX/2022 we received another email stating that our loan application had been closed. I emailed XXXX XXXX asking her what that meant, thinking it meant we are about to sign for the loan. She wrote me and said their was not enough equity in the house. I wrote back saying I was confused that we only needed {$250000.00} and he had more than that. She wrote me back and said it was actually denied because our home is an A-Frame house and PNC does not loan on A-Frame type houses. I said why didn't someone say that 2 months ago. We would have never applied for the loan if we had known that. There is no way to hide the fact that it is an A-Frame house. I told her I would be reporting this to the necessary Federal agency. On XX/XX/2022 I received a phone call from someone named XXXX. I told her I was driving to a doctors appointment and would not be able to write anything down, she told me she would send her personal information to my email. She verified my email address with me. She tried to mislead me that it was our fault about the A-Frame and I told her that was absurd and that we would have never applied had we known the policy. She said she would investigate it and get back with me today, XX/XX/2022. I did not receive XXXX 's personal information nor have I heard anything from her, yet. 
We have wasted 2 months and interest rates have now doubled since we signed the original loan documents. The fact of the A-Frame should have came up at first meeting then we could have walked away and went to a lender that did approve our type of home. Now we are looking at higher interest rates and that is not right. We have been a customer of PNC for quite a few years and we are looking into moving to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019.

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I dispute this balance due as I submitted my letter of fraudulent charges to the Executive Response Unit dated XX/XX/XXXX. I received a letter from Home Depot Credit Services dated XX/XX/XXXX stating We are writing to inform you that we completed the investigation on your The Home Depot Commercial Revolving Charge Card account. As a result, we removed the disputed charges and any related fees and finance charges from your account. I also received a check for prior payments made in the amount of {$13000.00}. 

I received a letter dated XX/XX/XXXX from Home Depot Credit Services stating We have completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question. ( see attached ) I have attached the following evidence in support of my dispute : Fair Credit Billing Act Public Law 93-495 October 28, 1974 Chapter 4 Credit Section 161 Correction of billing errors states the creditor must acknowledge the complaint letter within 30 days after receiving it ( I did not receive an acknowledgement letter from Home Depot or Citi ).

Section 161. Correction of billing errors states - If the creditor fails to follow the settlement procedures stated in the Fair Credit Billing Act, they are legally not permitted to collect the amount in dispute, or any charges attached. For example, if a creditor acknowledges a complaint in 50 days20 days too late. I have not received any correspondence from Home Depot that a second investigation was initiated.

Per Section 161 you are penalized by not conforming to the Fair Credit Billing Act Section 161 and can not reverse the original credit Home Depot applied to my account.

Please provide me with a written statement reversing the debits along with an updated statement.

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 2022-07-20
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
CREDIT ACCEPTANCE : WAITED UNTIL 87 % of the loan was paid to repossess the vehicle the loan was for due to delinquency, the same day I had made a payment, without a phone call or even an email to ask for more first. They just sent the truck over, causing much more to be paid and not towards the loan. This is a scam. 
This company reported increased annually in profits. I can see why with this kind business practice. 
Credit Acceptance annual revenue for XXXX was $ XXXX, a 11.18 % increase from XXXX Credit Acceptance annual revenue for XXXX was $ XXXX, a 12.11 % increase from XXXX. 

I was delinquent with a loan via Credit Acceptance due the covid-19 related issues. I made a {$70.00} payment today XX/XX/XXXX to start getting things moving in the right direction for the month. Approx. 2 hours later a tow truck came and loaded up the car, I talked to them and they said they can wait while I call the loaners since there was a payment just a few hours ago.

The Credit Acceptance representative advised with a payment for an ADDITIONAL {$330.00} he could stop but it had to be now, over the phone. I wasn't able to immediately and the removed the vehicle. I got off the phone and called the bank to move money over and called back to make the payment. This time another representative advised a new total of {$650.00} was due today or they would sell the car for the remaining loan balance of approx. {$2000.00} ( after paying them for several years on a {$16000.00} loan ) After explaining to Credit Acceptance rep that I just made a partial payment for XXXX and when my next pay date was they told me they would wait until Friday XX/XX/XXXX to sell the property for balance unless the {$650.00} was paid in full. I ended the call and was advised by another party this is probably not correct from them and called back and got another representative that advised that given the {$400.00} already paid today that WILL be against the {$650.00} leaving {$250.00} remaining, I paid this amount to process the release to the local tow company. 

Now the XXXX XXXX XXXX hasn't sent to release in 1 hour and 5 minutes and after speaking with them twice, being advised it takes 5 minutes twice, and they assured me they sent it, twice. I am doubting I can get my car back today for work tomorrow at this rate since the local tow company will likely close at some point.

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 2022-06-10
Company: Central Portfolio Control Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account balance owed by XXXXXXXX XXXX XXXXXXXX as of XX/XX/XXXX : {$170.00}. 
XX/XX/XXXX XXXX makes {$170.00} payment using XXXX  payment service. 
XX/XX/XXXX XXXX receives confirmation of payment e-mail from XXXX. 
XX/XX/XXXX Payment from XX/XX/XXXX was withdrawn from lessee 's checking account. 
No further Communication from XXXX to XXXX. 
XX/XX/XXXX Letter sent from Debt Collector to XXXX. 
XX/XX/XXXX XXXX receives letter and contacts Debt Collector to dispute claim. 
XX/XX/XXXX XXXX sends proof of payment to Debt Collector. 
XX/XX/XXXX Debt Collector sent itemized Move Out Statement with fees listed in attached documents. 
XX/XX/XXXX XXXX contacts Debt Collector, Debt Collector insists XXXX still owes XXXX {$170.00}. 
XX/XX/XXXX XXXX attempts to contact XXXX by phone and does not get response. 
XX/XX/XXXX XXXX contacts cfpb.gov to file report on the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2021 I contacted Wells Fargo as I was on payment suspension due to covid. I explained that I would like to restart making payments and apply for the FHA no interest to be added to the end of my loan. I was informed that the amount I owed was more than the FHA was willing to do ( around XXXX ). I was told that if I made a payment of aprox. {$4000.00}, I would be under that threshold and I would be able to do the FHA loan. I made the payment and called back to Wells Fargo to start the FHA loan process. I was told that it was being processed and I would hear from someone soon about how the process would work ( paperwork, etc ). Today, I received a loan modification via XXXX with a whole new 30 year note? This is NOT what I asked for, was ever told that I was getting, nor is something that I would EVER agree to. Every time I call them it's as if they have no clue what they are doing. At this point I just feel that they are trying to take advantage of the situation to benefit themselves. If I had not read this agreement closely I could have started a whole new 30 year loan after I've already been paying for over 21 years. All I'm trying to is make things right with Wells Fargo and they have made it extremely difficult to do. I do not believe Wells Fargo is following the CARES ACT and are looking for opportunities to take advantage of it's customers.

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 2023-02-18
Company: FC HoldCo LLC
State: NY
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:
Ive tried calling each company but its either hard to reach them or they dont answer.

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 2017-12-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged 2 over draft fees and my account was not over drawn the 2 fees where charged to my account on XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
From XXXX XXXX thru XXXX XXXX Bank of America allowed fraudulent charges to accumulate on cc ending in XXXX, they closed that card and transferred the charges to cc ending in XXXX. A total of 434 charges at XXXX each for the same company in CA. They cleared 119 charges but refuse to clear the additional 315 charges, interest and penalties. I have been trying to resolve this for 2 months. No further communications from BOA, attempts to contact the fraud dept, appears to be a phone with a recording and no response. How do I get their attention to resolve this? I have had my credit score drop XXXX points due to this issue. A surge in spending and past due payments are being attached to my credit report. {$13000.00} of fraud is still on this closed cc. I plan to no longer use BOA but can not leave until I get this to a O balance. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate/inaccurate reported late payments. 
XXXX XXXX Account Number : XXXX Please update late payment, all payment was made on time 3. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief