BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX I purchased a used suv from XXXX XXXX. Down payment was XXXX cash and a trade in value XXXX. 
The price of the car was XXXX Finance by American credit acceptance. As I XX/XX/XXXX the balance is now XXXX and the interest rate is high. Ive ask why my payment sent going to the principal and I didnt get an answer. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am referring to case number XXXX. 
I.C.System collection agency has posted a fraudulent collection on my credit report. 
XXXX XXXX XXXX had been paid in full, no demand for payment has never been received from I.C.System or XXXX XXXX XXXX and my score has dropped XXXX points following this fraudulent collection. 
My dog was treated four times. 
According to the XXXX, I was responsible for a total of {$2100.00} ( {$320.00} x XXXX ) for Weeks 1 and 3, {$810.00} for Week 2 and {$630.00} for Week 4. 
I paid {$2100.00}. Therefore I do not owe them any money. The fact that they tried to take advantage of vulnerable people suggests that we are not their first victims.

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 2016-09-23
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I lifted the freeze on my credit for a period of 48 hours, during which time IC Systems, who has been trolling my credit by making repeated soft inquiries, placed a collection that has already been resolved and was the result of Identity Theft. 

IC Systems has placed a collection on my credit file for XXXX. This account was fraudulently opened by an individual, XXXX XXXX XXXX SSN XXXX. 

Previous attempts to collect this account were removed from my credit file you XXXX, XXXX and XXXX by disputes with them and through CPFB, XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 IC Systems has been physing my credit file, making repeated soft iquiries through the reporting bureaus. This account is fraudulent and is the result of identity theft and use of my identity to obtain services. 

IC Systems had damaged my credit by attempting to collect a debt that has already been deemed fraudulent, they have damaged my credit score and damaged my good credit rating which has refuted in a credit score drop of XXXX points.

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 2015-09-16
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had someone buy a tee shirt from my shop in XXXX. The shirt she wanted was backordered. She filed a dispute with PayPal on XXXX stating that she had not received her item. They emailed me stating that I should communicate with the customer about the status of the item. I emailed her on XXXX stating that the item had been back ordered and that I had followed up with the merchant to put a rush on it. Paypal sent me a dispute resolution link to provide them with tracking information, proof that I had refunded the customer or proof that the customer had received the item. Those are the only XXXX options on this page. There was no tracking information at that time because it was back ordered. PayPal closed the case and told me that when the case was close I might not get my money back even though I could now provide them with the information they needed. 

The customer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX United States XXXX XXXXXXXXXXXX her transaction amount was XXXX paid to my PayPal account XXXXXXXXXXXX on XXXX/XXXX/2015 and refunded to her by PayPal on XXXX/XXXX/15. The tracking number for her shirt is XXXX via at USPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27
Company: AES/PHEAA
State: NY
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:
My loan was sold to a third party. I authorized direct debits but debit was not made for XXXX 2015 by the seller of the loan ( XXXX ) or the buyer ( AES ). I received a notice from a collection agency that I am 1 month past due on my payments. Why would these companies send my account to collections when both have my direct debit authorization and I have a solid payment history?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo is refusing to honor its recent agreement with the CFPB. I submitted a claim to Wells Fargo on XX/XX/XXXX for {$24.00} in fraudulent service fees ( letter attached ). Wells Fargo refused to refund the service fees ( XX/XX/XXXX attached ). Their reason was they were not notified within 30 days. I had sent them written PROOF with my XX/XX/XXXX letter that I notified them within 30 days. They just ignored it. The PROOF is attached. Service fee XX/XX/XXXX. My WRITTEN complaint attached is XX/XX/XXXX THIS IS WITHIN 30 DAYS!!! Please get Wells Fargo to stop ignoring written proof that they were notified within 30 days. They are a corrupt bank and will make up any lie to avoid paying back the customers. In my opinion, the Wells Fargo employee should named XXXX should be investigated by the Department of Justice and sent to JAIL ( along with ex President of Wells Fargo XXXX ) for being a part of this SCAM!!! Wells Fargo opened a type of account I did not want. I was told no service fees. Here is their SCAM : since I did not use my debit card for 6 months they cancelled it and started charging service fees because I then did not have 3 linked accounts. Then they refused to refund the fees even though they were notified IN WRITING WITHIN 30 days. This is a deceptive business practice and a complete SCAM designed for Wells Fargo to make money off customers collecting service fees that they caused to occur. When I opened this account, this trick of Wells Fargo being able to cancel a card and then my owing service fees was never disclosed. According to what I read about the CFPB fine for Wells Fargo, customers who received types of accounts they did not want are entitled to a refund of the service fees. Wells Fargo is still refusing to refund the service fees and ignoring its agreement with the CPPB. They owe me {$24.00}.

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 2022-01-04
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In response to MIDLAND CREDIT MANAGEMENT : This company has obtained my information from XXXX XXXX  unlawfully. I did not give them my consent to have access to my information. They received my information from XXXX XXXX XXXX which means they've engaged in aggravated identity theft. XXXX XXXX knowingly transferred, without lawful authority, a means of my identification. Furthermore, I am the original creditor of the account and I do not validate any debt that is allegedly owed. According to the FDCPA only a consumer can validate such debt, which makes their statement of me owing a debt and the debt being valid is very much an invalid statement. Therefore, the alleged debt is NOT valid nor owed by me, the consumer/natural person. They also state that they were advised by credit reporting agencies to furnish such information on my consumer report, which is a violation of the FCRA. This company did not have permissible purpose to furnish anything on my consumer report. They did NOT receive my written instructions to furnish such information on my consumer report and I have never engaged in ANY consumer credit transaction with them, therefore they are violating federal law. I have never had a contract with this company, therefore I am being taken advantage of by MIDLAND CREDIT MANAGEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I BEEN WITH WELLS FARGO BANK FOR XXXX YEARS I NOTICE MONEY BEEN MISSING IN MY ACCOUNT SAYING ITS OVERDRAFT FEES ETC THEY DONT CALL OR ONCE IN A WHILE SEND ME BANK STATEMENTS WARNING ME IF I DID THEY STILL TAKEN MONEY OUT MY I CALL AND BANKERS PUT ME ON HOLD WITH NO ANSWERS I FEEL THEY STEALING FROM ME I CANT TAKEOUT WHAT I DONT HAVE THEY OR SOMEBODY MAKEN A MISTAKE TAKEN MY HARD EARN MONEY I NEED ANSWER I SEE THEY GO LOT COMPLAINTS I DONT THINK ITS XXXXRIGHT TO STEAL IF U DO FROM THEM U GO TO JAIL BUT IS IT LEGAL TO STILL FROM HARD WORKING PEOPLE WITH FEES THEY DONT KNOW NOTHING ABOUT I CALL BUT GET NO ACTIONS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like clarification on the rules governing escrow funds being held and analized by a mortgage company. I recently built a new home. This is my XXXX new home build so I am aware that sometimes the tax assessors office will not have up to date information with the improved value of the home and will only show the land value. In the past I have called the bank after receiving a new escrow analysis in the mail and advised them of this and they would adjust my escrow back up to where it should be. I called this time and they said they could not do it. As someone who used to work at processing foreclosures I saw too many people go into foreclosure because of this very same issue and them not understanding the problem. The mortgage company said they could only take the current tax value assesment due to the RESPA regulations. Is this correct? If so this does not protect consumers in any way. In fact will hurt those who do n't completely understand the escrow portion of their payment.

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 2022-01-04
Company: EQUIFAX, INC.
State: NC
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:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, My wife and I called XXXX XXXX to get an estimate on how much money it would cost us to file our taxes. They said we would have to come into the office and bring our documents for them to see to give us the estimate. When we arrived at their office XXXX XXXX said that our initial consultation was free and they would start charging once the work started. At that time we asked XXXX what the next step was, and we were informed that we needed to pay {$75.00} for a power of attorney so they could access our paperwork. XXXX took longer than what seemed necessary to get the form entered on the screen and we questioned her if she needed help entering the info on the screen. We assisted her with the information repeatedly to get it all entered, and finally got everything entered. Unfortunately we felt that after this process that possibly XXXX may have some difficulty doing her job, and did n't feel confident in using the firm. We called her secretary following this appointment to discuss whether XXXX is having cognitive or senility difficulties. The secretary asked us if we were going to continue to use their firm, and I said no. We expected to get the bill for the {$75.00} for the power of Attorney, but when the bill came in the mail it was for {$890.00}. 
I feel this is a gross misuse of billing. I was told the estimate for the work was free. Than XXXX took a long time talking about her other clients and what she does for them, giving examples of what she has done for them. It looks like they are charging us for listening to her long drawn out sales pitch. I am only willing to pay the {$75.00} that we agreed to pay for the Power of Attorney for to be submitted online. This we already consider a loss based on the fact that we did not feel comfortable to have them actually do our work. I contacted them to complain about the bill, and they said they are charging me for the time. I said " What time '' I was told free estimate and {$75.00} for the power of attorney. I also said " You did n't do anything for us to justify charging us {$890.00}. Are you you trying to take advantage of us? ". They refused to hear our opinion, and now we have a second bill from them through a Bill collector called IC System. This is completely unfair.

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 2022-01-04
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:
For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About 2 months ago this item has appeared out of know where on my credit. I have no clue who XXXX XXXX XXXX is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by XXXX, Transunion, and XXXX but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can XXXX, Transunion, and XXXX allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than XXXX XXXX XXXX. How am I suppose to purchase a new car so I can get him to his new born Dr checkups?

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 2015-06-16
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The company who is calling me on an old debt called and discussed the matter with my XXXX year old daughter and my employer. They also advised me they are trying to have me fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Paypal Holdings, Inc
State: TN
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX XXXX - Purchased XXXX items from XXXX sellers on Ebay. Checkout with Paypal funded thru Paypal Credit. Only XXXX item crossed out of cart, but received email payment confirmation from Paypal. 
XXXX XXXX - Received Unpaid item notice from Ebay. Contacted Ebay and told the issue was with Paypal. Transferred to Paypal and informed there was a " known issue ''. Assured payments were made and situation would be resolved. 
XXXX XXXX - Items remained in Ebay cart. Contacted some sellers, but Ebay limits number of emails. They have no record of transactions. Called Ebay. Told to have 3 way conversation with Paypal, but Paypal must initiate, so transferred and lft on hold for nearly 2 hours until phone battery died. Attempted email contact with Paypal. Asked them to either verify that the transactions had gone thru and the goods would ship, or refund the {$460.00} back to the credit account so that I might be able to pay off the balance and close the account. Received moronic replies. 
XXXX XXXX - Contacted Paypal after receiving emails from several sellers stating that they had no record of any transaction. Polite CSR, but essentially no help. I can not get my funds back without waiting for the merchandise that is not going to arrive to not arrive and then file a dispute and then wait for that. If I needed my merchandise before that lengthy process, I would have to reorder it and take the risk of receiving XXXX items and being responsible to ship the items back at my own cost. I inform him that I will try again with the sellers to resolve. 
XXXX XXXX - Back on the problem when I detect that Paypal has removed {$54.00} from my personal bank account for one of the sellers that I had been so reassured had been paid thru Paypal credit. This charge does not show up on my paypal account so I again contact Paypal and inform them that I have a serious problem and I need the account ( s ) resolved and closed immediately as funds are disappearing from my bank account without authorization. I was placed on hold for about 20 minutes until the line disconnected. 
Now I am begging for help. Paypal and Ebay have made a huge mess and they blame each other and neither will clean it up while they both have access to my bank accounts and credit cards and I can not get away from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: Experian Information Solutions 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:
For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About 2 months ago this item has appeared out of know where on my credit. I have no clue who XXXX XXXX XXXX is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by Experian, XXXX, and XXXX but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can Experian, XXXX, and XXXX allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than 2 months old. How am I suppose to purchase a new car so I can get him to his XXXX XXXX Dr checkups?

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 2016-02-16
Company: Financial Credit Service, Inc.
State: SD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received call from Asset Recovery Associates XXXX XXXX stating that I owed a debt and legal action will be taken if I do not pay over {$1000.00} by the end of the day. When requested written proof of debt collector XXXX XXXX asked for mailing address which was given. Called back XXXX/XXXX/16 to let know that written letter was not received. Collector XXXX XXXX stated that letter would not continue to be sent. When asked when letter was mailed and if it was certified collector stated that would put down that I was refusing to pay and legal action would be taken. When asked if a certified letter would be sent agent hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Apparently I owed a medical debt that just popped up on my credit report. The debt was for {$130.00}. It dropped my score dramatically, I contacted the collections agency and the debt was paid but they stated they do not remove items from credit reports. I did not receive proper notification that this debt was going into collections or that I owed any money. No one called or sent anything in the mail to let me know I had a debt to be paid. I just happened to check my credit report and noticed it there. Can you please help me get this removed? I am trying to purchase a home for my family and this is effecting my ability to be approved at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Cadence Bank
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX we received a letter from BancorpSouth stating that our loan will mature on XXXX and that they will not renew the loan. They are requesting payment in full for the balance of the loan by XXXX ( {$150000.00} ). We would not be able to do this. Our copy of the loan shows the maturity date to be XXXX and the loan number on our copy is difference from the XXXX on the letter we received. 
This loan is for XXXX commercial buildings in XXXX, XXXX XXXX

Company response to consumer: Closed with explanation