BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Bridgecrest tried to have my car towed and failed because it was lifted in the state of Texas with my minor in the car made a whole scene by breech of contract, police were involved and the court case was closed due to me not being served. However today XXXX the finance company showed up with my apartment manager ( XXXX XXXX ) trying to facilitate a repo with a XXXX year old! Telling my son they are here with the finance company that wants the car back! That is inappropriate communication and involving a third party instead of restarting the legal process on this civil matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: SYNCHRONY FINANCIAL
State: AZ
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:
I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.

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 2017-04-05
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A payday loan was applied for in my name in XX/XX/2012, I have had hardship over the past couple of years but I and my family have been threatened 2 times over the past 5 years to be sued for check fraud, when have n't been properly served or notified. My friends are getting phone calls and are given false information. Telling them they are from the XXXX Police Department. When I call they are rude and try to threaten me with a court case if I dont give them money I dont have. Apparently the original amount was XXXX but they are asking for XXXX and more if they go to my district attorney. They give me a confirmation number after I paid them but nothing else. I called the original loan company and they told me they dont pursue court cases. I dont know if this is real.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My brother XXXX XXXX had a lease with this property. I stayed with him for a couple months so he had to put me on the lease. Before XXXX XXXX lease was up i moved out of this apartment. I have tried several times to advise creditor that XXXX XXXX is taking full responsibility in this debt as he was the one living there. I was suppose to be removed from the lease as i did not live there. This account is in my name in error and needs to be removed. I have investigated this for a couple years now and have found my lease on where i lived at in this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on my home mortgage from XXXX XXXX XXXX. I received a letter from Wells Fargo Home Mortgage dated XXXX XXXX, XXXX that the loan was transferred from XXXX to them. I had no prior notice of this from XXXX or Wells Fargo. I thought I was to be sent a notice of assignment 15 days prior to the transfer/servicing of the mortgage. Section 6 of the Real Estate Settlement Procedures Act..I went to XXXX, Va. court house and got a copy of the deed and the date of assignment on the deed is XXXX XXXX, XXXX to Wells Fargo Home Mortgage from XXXX. I feel I was mislead by Wells Fargo by the letter they sent me on XXXX/XXXX/XXXX. I have been making payments to Wells Fargo since XXXX/XXXX/XXXX and was told on numerous times they held the deed to the property, when in fact they did n't.

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 2016-04-19
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Car lot took XXXX of my vehicles in on trade towards XXXX I was purchasing. We had discussed using Credit Acceptance to finance the balance but on the day of delivery, I paid off the balance in cash instead of financing. The car lot never listed my trade in on the contract but did list the cash down payment while still putting the loan into processing to receive that money as well. Now I am being billed for money that I did n't use or borrow. I am attaching a copy of the title that was released to me showing no security interests which would n't have been the case had I financed any money on this BMW.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: KY
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:
Went to XXXX XXXX XXXX XXXX and they said they was going to send to one bank but they sent to several Listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: KY
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:
Went to XXXX XXXX XXXX XXXX and they said they was going to send to one bank but they sent to several Listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, i was a long time loyal customer to Wells Fargo. Last XXXX of 2021, they closed both my checking and savings account with money in them. I have reached out on several occasions and have NOT received my money. This has caused a huge financial distress.

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 2015-09-29
Company: ROYAL UNITED MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I applied for a {$35000.00} Home Equity Loan. I told them my husband had XXXX andthat I have a Power of Attorney done through our lawyer at the very beginning. 
When we got to closing they insisted my husband had to sign the loan documents with the Notary. Once that was done I 'd have the money in my bank account on XXXX/XXXX/15. On XXXX/XXXX/2015 they called me and said the Notary was uncomfortable with my husband understanding what he was signing so the title company denied my loan. The only way I could get the loan was to get a letter from a doctor stating my husband understands what a home equity loan was and that he knew what he was signing. I told them he does n't know and no reputable doctor would do that. So I spent weeks on providing paperwork and was assured everything was fine for nothing and I have to start over again with another company. I needed the money to move as my husband 'XXXX two hours away. I just do n't understand when I worked so hard getting them every document they requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-03
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a letter regarding an XXXX credit card account that was written off at least 10 years ago. The bottom of the letter states that unless I dispute the debt within 30 days, the debt collector will obtain a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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:
I'm a victim of Identity theft. I have enclosed and Identity theft report an a letter citing all the fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have someone steal my idenity now thay have a conputer and thay our usen my phone info this has been going on for XXXX years XXXX wellsfargo XXXX  and so many more i need to end please and thanks thay have property in my name and im himeless

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 2016-02-23
Company: UMB FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Bank stated that their policy when executing a trustee transfer for a Health Savings Account is to close all accounts despite explicit instructions from the account holder to transfer a specific amount of money that is less than the full balance of the account to the stated trustee.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
Dear Sir, as an XXXX who legally leaves in XXXX Ohio since XXXX, I feel very frustrated today by the fact that a bank and a car dealer company, Credit Acceptance and XXXX have made me sign an agreement to finance my car. Initially, the car was around 12,000 . Because my credit was bad by then ( I was not familiar at all with the credit score in XXXX, having been here for only 2 years ), I made a deposit of XXXX XXXX Credit Acceptance financed the vehicle for me, a XXXX. I have been regularly paying XXXX $ every month for the past 2 years. When I checked with Credit acceptance how much I still owe after paying XXXX, I found that I still need to pay XXXX XXXX I realized that they made me sign an agreement to pay a total of almost 25,000 for a XXXX car initially sold for XXXX. I believe that they have abused me, and they did not treat me fairly. Banks although making profit must have a minimum of moral to avoid behaving like crooks who abuse innocent victims who are not familiar with the financial system. Please talk to Credit Acceptance, ask them how they made me sign these document and what are the criteria that made them put so high the price of an old car in spite of my effort to down deposit XXXX. My name is XXXX. my phone number is XXXX, and my e-mail adress is : XXXX. Please help me, I and my wife are making a very low salary, and are victim of a joint crooking service of XXXX XXXX in XXXX Ohio and Credit Acceptance. Thank you for contacting me as soon as possible, for more details. Thanks Good bless. Kalifa

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 2020-09-26
Company: EQUIFAX, INC.
State: WV
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 with XXXX for cellular phone service in approximately XXXX early XXXX. The service was month to month, there was no contract and there were no phones purchased on the account. The phones were free when you switched lines. In XXXX of XXXX, I switched phone companies for a cheaper rate. XXXX continued to bill for phone service that was not received because the phones weren't even on or they charged for phones that I did not owe for. Additionally, the debt was incurred in XX/XX/XXXX and the debt date reporting has changed to now XX/XX/XXXX. The amount of XXXX is fraudulent and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an x-ray done on my foot on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX XXXX, CA. My bill was submitted to insurance which paid a portion and the remaining balance was submitted to me. 

I paid the remaining balance with my XXXX card and was told that my account was cleared. 

On XXXX XXXX, XXXX, I get another bill from XXXX XXXX for the same balance. I call them and they look up my account number and confirm that yes indeed, my balance had been paid off and it seemed their billing department had not updated. They gave me a receipt number for my previous payment and assure me that bill will be notified immediately. 

On XXXX XXXX, XXXX, I get a 'final notice ' from XXXX XXXX XXXX to send my owed payment to a collection agency. It 's the same balance from last XXXX that they think is still owed. I immediately call back to contest. Again I am assured that billing had not updated. This time, I 'm even given an approval number from the billing department to prove that it has indeed cleared my account. Additionally, I am reassured that whatever system they have to send my balance to collections will also be canceled. 

On XXXX XXXX, XXXX, I get a letter from Continental Credit Control collections agent threatening my credit and demanding for my balance due from XXXX XXXX as well as an accrued interest. 

I am infuriated. It seems that nothing ever happened with my XXXX calls to XXXX XXXX. I would have been happy to pay the balance had there been a payment issue, but ever time, I am reassured my payment cleared.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
BANK OF AMERICA - XXXX This account was closed but was reported late due to annual fees being accessed. If the account was closed, there should have been NO annual fees. I have been reported late to the credit bureaus and that is completely inaccurate. Delete this account right away.

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 2022-05-17
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Act Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy.

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

15 USC 1666B : A creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: R.M. Galicia, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Representatives advised that she was taking a payment on XXXX/XXXX/16 And then sent me a document stating she had taken the payment today. When I called back advising she stated that she was not aware that she took it even though the paperwork clearly stated today 's date.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX XXXXate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/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 2015-10-27
Company: Creditor's Collection Service, Inc.
State: NC
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:
I had water service in XXXX VA back in 2011. In XXXX 2011 when I paid my bill I enclosed a note requesting service be discontinued on XXXX XXXX, 2011 because I was moving out of state. I left Virginia early on XXXX XXXX. I had a forwarding order in with the post office and never heard anything else from the water company. I recently discovered that I have XXXX collection accounts for that water service, both with different amounts. I disputed with the credit bureaus and requested proof from the collection agency, stating that since I only had service at XXXX location, I was concerned about having XXXX different collections. The collection agency sent paperwork which appears to show that XXXX collection account is for water service and XXXX collection account for collection fees. However, I noticed that water service was continued for almost 2 months after the date I had requested for disconnection. Furthermore, the last payment I made, placed into a water company drop box, was never credited. My deposit was also never credited. I was also never sent a final bill, so I was unable to dispute the charges for after I requested disconnection. Taking into account the deposit that was never credited and the the payment never credited, if the charges after I requested disconnect were removed, I believe the water company would actually owe me a refund. I absolutely feel the account for collection charges is wrong because if I am owed money, then how can I be charged collection fees? I do not believe the account for the balance is accurate, again because of unauthorized continuation of service and failure to credit payments and a deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Credit Service of Logan, Inc.
State: UT
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:
This is just a general complaint. a utility company says I owe XXXX and sold the debt to a collection agency. The collection agency tacked on fees and put {$140.00} as a negative remark on my credit. 

I have never received any service from the collection agency, I never entered into any contract with them either, so why should I pay for services rendered to a creditor/utility company, when the utility company has agreed to a payment from the credit agency? 

I do n't think the agency should be able to represent that I owe them the {$45.00}. A consumer should only be responsible for the debts that they make. Any fees a collection agency thinks they deserve should be dealt with between the collection agency and the original creditor. Passing these fees on to a consumer only digs deeper holes for consumers for services they never wanted nor received. 

I think legislation should be enacted that 1 ) a company can only report to a credit bureau to collect the original debt, and 2 ) a collection agency can not collect extra fees from the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation