BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: Stein Law, P.C.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter about a court hearing. Call the leagel office listed to find out what it was about. 
They said I took out a loan in XXXXXXXX XXXX  XXXX with XXXX XXXX on line. 
My identity has been stolen after a breech of the 3 credit reporting agencies. 
I had credit cards taken out in my name, apparently this loan, several of my bank accounts were also hacked into along with my social security and my unemployment claim. 
I did NOT take this loan out. I was separated from my husband and the divorce was final XX/XX/XXXX. 
It may even be possible that he took out the loan in my name... I honestly don't know. 
I sold my house in XX/XX/XXXX to pay off my bills that I owed. 
I am at a loss as to what to do! 
I had been XXXX since the sale of my home... no money to my name... until XXXX XXXX XXXX when I was able to get a Section 8 housing voucher. 
I have nothing in my name and lost everything I had. XXXX XXXX Sheriff 's Department in XXXX investigated the identity theft and found that a ring in XXXX had stolen my identity. Nothing could be done about it. 
I checked with legal services and was advised not to file bankruptcy because I had nothing for anyone to come after me for payment of things that were not mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created two different Federal Identification numbers on me. Someone is using my personal information as though I have a business.

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 2020-01-08
Company: Conn's, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened an account withe Conns in XX/XX/XXXX. I received an email welcoming to this insurance company. I realized Conns added renters insurance to my account. I reached out to Conns and they told me how to cancel my ins. and the warranty, which I did add but no longer wanted. I did exactly what they told me and I saw a credit for the warranty and no charges for ins. I thought it was done. I purchased another item in XX/XX/XXXX and realized that I was still being charged for the Ins. I called and requested to cancel and receive a refund of all ins. paid. I was told to show proof I carried ins. for the past 2 years and it would be refunded. I asked what the amount was and she said XXXX. I paid it off minus the XXXX. This was in the amount of XXXX. This amount came from the agent I was talking to. Fast forward, this was never done, after numerous calls I finally just paid the amount off on XX/XX/XXXX because it was really affecting my 100 % payments credit score. Now today it is still affecting my credit, Conns has {$70.00} still sitting on my credit with 116 days delinquent. I have called several times but they keep saying although I don't owe anything it's still under review. In the meantime my credit score is dropping and I'm in the process of buying a small company. I have disputed this transition and still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: KEYCORP
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have a boat loan with Key Bank. My boat is a documented vessel - this is different than typical registration on a boat. My boat has a vessel name ( XXXX ) and a hailing port ( XXXX XXXX, CA ). I moved to XXXX XXXX last year and wanted to change the hailing port on my vessel. The XXXX XXXX requires me to get approval from Key Bank via XXXX XXXX Form XXXX. I contacted Key Bank and they gave me an address to send the form and required a {$100.00} fee to process the form. They said it would be processed in 5 business days. I sent the form and check to them on XXXX XXXX 2017. I was planning a trip to XXXX in XXXX so I wanted to get all the paperwork completed by then. After waiting 3 weeks, I contacted Key Bank. They said they never got my form or check. I informed them that they had cashed my check which was stapled to the form. They insisted that I send another check and form - this time they gave me a different address with a specific mail stop. I called the next week to see if they go the form. They said no. I continued to call and finally they told me they got it and were processing it. I made an additional 17 phone calls to various people including XXXX XXXX, two of this staff XXXX & XXXX, XXXX, XXXX and finally to XXXX XXXX. XXXX was able to confirm the receipt of my form and told me XXXX XXXX was processing it. I waited another 2 weeks and nothing. It 's now getting close to my departure to XXXX so I contacted the XXXX XXXX to tell them what was going on. They required another {$100.00} fee to un-do my request ( I paid them {$100.00} when I initiated the request with Key Bank in XXXX ). I had to re-purchase lettering for my boat to take it back to the XXXX XXXX XXXX XXXX and submitted an expedited request to the XXXX XXXX for temporary documentation so that I can leave the country. Key Bank XXXX XXXX me a document today approving a name change on my boat. I do not wish to change the name, I never requested that, I requested changing the hailing port. For 2 1/2 months now , Key Bank continues to be uncooperative on the phone and clueless as to what is being requested. They should not provide boat loans if they do not have the ability to process the simple paperwork required to meet XXXX XXXX requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX 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 2022-01-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
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 had a mortgage payment come out for XXXX on XX/XX/XXXX that's I didn't have sufficient funds to cover, and was charged an overdraft fee. Around that same time I was payed but it was less then usual because I couldn't work due to covid. I had many automatic payments come out and were charged over draft and returned fees. I was charged over {$500.00} in those fees. Suntrust will not reverse any of them. We're in the middle of a pandemic and their being ridiculous. I will be getting paid and will have not enough money to cover my bills because all of this will go to cover these over draft fees.

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 2021-07-24
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have previously submitted this complaint before All what happened that the dealer ignoring my complaint and Honda called me to let me know that they cant do anything to fix the problem and they said to me go after the dealer and it has nothing to do with us here in Honda financial USA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I called Barclays XXXX XXXX  to request a downgrade of my Barclays Arrival Plus Mastercard to the banks no annual fee Barclays Arrival Card, noting that due to the Coronavirus I did not expect to be doing as much travel in the foreseeable future but would prefer to maintain my account with the bank, both to keep the rewards I had accumulated with the bank and to avoid the negative effect on my credit score that would come from closing a credit line. The bank representative informed me that the ability to downgrade to the Barclays Arrival Card required a special invitation and that they were unable to assist me with my request. I received the same response from the employee 's supervisor as well as another frontline employee when I called an additional time the next day. I do not understand why the bank is unable to assist me with this downgrade request, given that the option to downgrade a credit card product is something that is widely offered and available across U.S. financial institutions and typically does not require any special invitation. Even if Barclays bank treats this request in a manner out of step with the rest of the industry, Barclays refusal to consider what I believe is a reasonable request in this extraordinary time is incongruent with the bank 's public statements, where the bank has committed to working with consumers due to changes instigated by the Coronavirus. It also flies in the face of the bank 's pledge to U.S. lawmakers that it would offer additional help and flexibility to its clients during this pandemic.

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 2020-01-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
first loan by bayview loan services went up to 3 % XX/XX/XXXX to {$720.00}, then in XX/XX/XXXX went up again rate 3 % {$780.00} called no help try to get another mofification said no credit score to high -- -- i turned XXXX in XX/XX/XXXX as of XX/XX/XXXX i am no longer to pay school tax faxed info over 5x 's XX/XX/XXXX-also in XX/XX/XXXX i got another home insurance company info was called and faxed info lower insurance. called twice to bayview sence XX/XX/XXXX no help still say i need to pay XXXX by XX/XX/XXXX claim it takes over 30days i  think they just want more money i try to speak to several people still no help say do not know about info..i will also reort to the XXXX.i have had nothing but problems with company they did help twice over 10yrs still need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: OneMain Finance Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted one main financial on XX/XX/XXXX and told them due to me being out for XXXX they will have to continue to take monthly payment by auto draft set up with my bank account information. I continue to get calls 3 times a day and from different numbers 1 ) XXXX XX/XX/XXXX XXXX XXXX  XXXX 2 ) two calls made from Branch on XX/XX/XXXX XXXX ) Friday XX/XX/XXXX XXXX XXXX XXXX  and XXXX two voicemails were left that day. The repeated calls continue daily from other numbers daily and again today XX/XX/XXXX 1 ) XXXX 2 ) XXXX from XXXX 3 ) XXXX XXXX. They are using deceptive practices to call from Numbers at branches my loan is not with and leave messages asking to Call back number to main branch. Im Requesting that they remove my banking information from their system and not to draft and loan payments going further I am also requesting that the loan company be punished for their deceptive collectin practices and obsessive harassing calls to my cell phone when I had payments set up for automatic draft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Consumer Adjustment Company Incorporated
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The first time I became aware of this debt was when I saw it on my credit report : Amount : {$980.00} Original Creditor : XXXX at XXXXXXXX XXXX XXXX  XXXX : Consumer Adjustment Co I did not receive any communication regarding this debt from Consumer Adjustment Company, but I recognized the name of the original creditor as a hospital at which I was a patient. I assumed this was related to an unpaid copay from that hospital. I reached out to Consumer Adjustment Company via their website to reach an agreement on the debt. I received no response. 

Because of the lack of response from Consumer Adjustment Co, I then reached out to the hospital billing department and paid the outstanding bill to them directly. I later learned that that bill was not the one that Consumer Adjustment Co was trying to collect on. I had no way of knowing this at that point. Therefore, I thought the debt was settled and attempted to dispute the debt with the credit bureaus. The disputes were denied. 

I then filed a complaint to the XXXX XXXX XXXX  Finally, the debt collector communicated regarding the debt, providing a date and the name of one of the healthcare providers who cared for me at the hospital ( I thought it was unusual that they had the specific name of a care provider ). This communication was the first I had heard from Consumer Adjustment Co, and it was through Better Business Bureau. The date Consumer Adjustment Co provided in this communication was not the same date for the balance I paid to the hospital already, so at this point, I assumed there must be another debt that I was unaware of. 

I then reached out to the hospital billing department again and was informed : 1. the debt for the date in question was assigned to a different collection agency than the one that is trying to collect on it 2. the hospital billing department does not deal with Consumer Adjustment Company at all 3. the amount is incorrect 4. the debt is not considered delinquent at this time and should not be reported to the credit bureaus When I first saw this debt on my credit report, I was uninformed of the obligation of the debt collector to notify me of the debt or to provide me with an opportunity to request further information. At this time, the only communication from Consumer Adjustment Co has been in response to my XXXX XXXX XXXX  dispute. I am wary not only of the legitimacy of the debt but of the circumstances of how Consumer Adjustment Co has the specific name of a care provider from my visit to the hospital. I have yet to receive any debt validation from Consumer Adjustment Co, and the original creditor is denying the existence of any outstanding debt with Consumer Adjustment Co. I am suspicious that this may be fraudulent. 

The date of service Consumer Adjustment Co is attempting to collect on is XX/XX/20 from XXXX at XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Reporting agencies stated that these accounts were properly investigated and verified but this is impossible since all of the agencies are reporting different information. The account numbers, high balance, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore reporting inaccurately. This Constitutes grounds for removal of these accounts.

According to 15 USC {$1600.00} ( 2 ) Exclusions ( a ) ( i ) a " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are these agencies reporting categories such as late payments, high utilization, chargeoffs, and others when then law specifically states that such private transactions and or experiences between a consumer and CRA 's are to be excluded from a consumer 's report? Each forbidden category reported is a violation of my rights.

Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy and that right has been violated.

My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to the credit reporting agencies to furnish these inaccurate accounts and therefore they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off a credit card with Chase. The closing bill date was XX/XX/XXXX and the total balance was {$780.00}. The due date was XX/XX/XXXX and I paid {$780.00} on XX/XX/XXXX. 

I believe is it reasonable for a consumer to think that if the balance shown on the bill statement was paid in full that this would bring the balance to XXXX. However, Chase tells me that they are entitled to additonal interest of {$11.00}. I asked Chase to reflect that the account is paid in full and they insist on extracting another {$11.00} from me. 

As a quick background : This is not an active credit card. The account was closed in XX/XX/XXXX by Chase. For nine years I have been trying to " XXXX out '' an account I no longer had use of. Due to the very high interest rate and Chase 's unwillingness to reduce so I could pay off the account they unilaterally terminated, it took nine years to finally get to the point where I could pay this off. After never missing a payment, which was virtually all interest, and amounted to many thousands of dollars not for goods or services, but merely interest to Chase, they have chosen to act predatorily until the very end. This is not a card I can ever use again. Once it is " XXXX out '', it will be a non-existent account with me having paid $ XXXX $ XXXX without having use of the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has been contacted in writing multiple times regarding a balance they claim is owed for {$600.00}. I have disputed this debt for {$600.00} through the credit bureau and in writing multiple times. This dates back to XXXX of 2019. This company has failed to provide me with any proof of the debt. I have given them authorization to speak with my friend who is helping me resolve my credit issues and they refuse to speak with her. She has left messages on XXXX XXXX 's direct line multiple times with no response. As of today, I asked my friend to call them and try to settle the debt to just make it go away although I still feel this is not valid. They refused to speak with her or take payment to resolve the issue. I feel that my rights as a consumer are being completely violated as they are not following the FDCPA or FCRA. No proof has ever been provided to me to show that I owe a valid debt. I am requesting immediate action to be taken against this company. They have had ample time to send proper documentation and they are refusing to even allow me to pay it. This is my 2nd CFPB complaint against Hunter Warfield since this dispute started in 2019. This has prevented me from being able to improve my credit rating and purchase a home for the last 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX XXXX, 2012, I opened a secured credit card with Bank of America, and made a deposit of US XXXX XXXX dollar. I was told that once I used the card for one year and repay it as though it was an unsecured card I would be issued with a credit card from the bank. Upon using the card I later notice that I was being charge interest on the money I deposited. I was not pleased about it so I requested for the card to be closed after using the money that I had deposited. I later discovered that Bank of America reported the account to the credit bureau. I am puzzled as to why, because the money I used was put on the card by me. I have made several attempts to have them remove this item from credit report which they have ignored.

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