BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act - XXXX XXXX XXXX XXXX XXXX XXXX county- 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 also states a consumer reporting agency can not furnish a account without my writing 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 2022-03-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is XXXX XXXX this is not a 3rd party I am submitting this complaint myself all documents and identification is in attachments. Please see attachments for what happened with my Situation.

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 2020-03-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have used 5/3 Bank for mortgage, different loan, for over 15 years. Late last year I started to have major problems with the bank related to an escrow which they open without my knowledge. Due to this issue I had unapplied funds and late payments as my monthly payments did not match up with the new amounts. I filed a complaint about this as at the end {$1800.00} is missing from my account and no one has yet provided an explanation of where the money is located. 

I have always paid my mortgage before the end of the grace period which is on the XXXX of the month. However, since my complaint, I am now getting calls from the 5/3 collection group by the first of the month asking for my payment even though technically not late. I asked them to stop these calls but they are saying that this is their procedures. In my mind, this is retaliation and harassment for the previous complaint. 

Need help to stop this retaliation and monthly harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Enhanced Recovery Co.LLC is reporting this debt to credit bureaus without proper validation. I have requested validation and collection agencies keep sending me this excel spread sheet. This is not considered a valid validation. This account has been to several collection agencies and every time I ask for validation they have never been able to validate so they remove it from the credit bureaus. They are trying to collect for XXXX, I did not have service with XXXX during the time shown on the excel spreadsheet. That 's why they cant validate. I had cancelled XXXX, because my son transferred his XXXX service to our address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
RECEIVED A LETTER FROM CHASE SAYING ... 

" AFTER CAREFUL CONSIDERATION, WE CLOSED YOUR CREDIT CARD ACCOUNT ON XX/XX/2020, BECAUSE OUR AFFILIATE IS ENDING THEIR BANKING RELATIONSHIP WITH YOU. '' I SPOKE WITH CHASE BUT THEY WOULD NOT GIVE ME A REASON. 

I NEVER EVER MISSED A PAYMENT AND HAVE AN EXTREMELY HICH FICO SCORE OF XXXX. I HAVE MULTIPLE CREDIT CARDS WITH VERY HIGH LIMITS, OVER {$70000.00} THE BALANCE IS VERY SMALL, LESS THAN {$300.00}. 

THEY WILL NOT DISCLOSE WHY THEY CLOSED THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2022 I mailed Action collections in XXXX, Idaho a debt validation letter and asked for specific information which was delivered to them on XX/XX/2022 ( usps XXXX XXXX ) and the information I requested they failed to provide in their response which I received on XX/XX/2022. I do not believe I still owe this debt and they are refusing the validate per the requirements of fair credit reporting act and are also refusing to remove it from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX  refunded me a check for interest on my account due to SCRA XXXX XXXX military. Whey they refunded the check in the amoun tof {$1800.00} they also added he amount to my balance. When I called they could not explain why the amount was added. I disputed the amount and the letter does not explain why it was added. Please provide an explanation on why you provided me with a refund of the interst that is entitled to me and why you would then add the interest back as a charge? 

My balance increased the month of XXXX or 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 2022-07-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Unable to open an account with Truist Bank. An account was open fraudulently with the previous name ( BB & t ). Also, a bank account was opened fraudulently with XXXX bank. I have been a victim of identity theft for the longest and it's not fair to me because I can not obtain accounts when I go to apply for an account. People can steal identity and get away with it, and it will all fall on you. 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 2020-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Decided to visit local owned dealership XXXX XXXX XXXX XXXX in XXXX county Texas to purchase a XXXX on XX/XX/XXXX at XXXX. 
When arrived explained pre approval amount {$30000.00} from personal bank, requested purchase order for Capital One Auto Finance Group. Sales representative then mentioned the vehicle requested to purchase was not located on their lot for sale. Therefore pre approval amount would not qualify for a brand new vehicle, was not enough to cover additional fees. Then was told to choose a used vehicle just one year newer then my trade in to  mention they would not be able to give me enough value for my trade to purchase a second vehicle loan since I had a pre approval, then they mentioned to shop for a lower rate through their financial leads & organizations that they were affiliated with. After 2 days and several hours later after closing time XXXX on XX/XX/XXXX I only qualified for XXXX XXXX XXXX with XXXX miles to approve lower interest rate. They gave me the keys, I signed a purchase contract agreement after I was given an alcohol beverage to com me down since I seemed stressed about my current auto purchase. I then initialed my paperwork, was not given a customer copy, after 4 days later made appointment with owner after XXXX  complaint, received an apology, was told paperwork was as written and final, received printed copy, disagreed with the interest rate 12.7 % after approved for 9.6 %, was mentioned from owner additional finance charges for service contract, dent repair contract, preservation package, and additional security package. Now I have an auto loan that does not fit into my budget with no room for negotiations ... ..please advise? Please notify consumers to take precautions that this dealership might not be able to abide by per approval loan agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: ERC
State: FL
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:
As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. 

In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by XXXX ; XXXX and XXXX credit bureaus. 

My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX I went to XXXX Hospital XXXX XXXX, XXXX, Arizona. Services were rendered, I paid the {$100.00} copay, the hospital sent XXXX XXXX the electronic file for the claim. I received from XXXX XXXX an Explanation of Benefits via USPS, stating the Claim # referenced as XXXX Amount billed was {$370.00}, and what I owe was a {$0.00} balance. In XXXX XXXX when I pulled my credit I find XXXX Hospital never followed through for payment from XXXX and sent my bill to collections. Which impaired my credit by falsly sending me to a credit collection agency, Which I paid XXXX/XXXX/XXXX. Since then XXXX Hospital resent the electronic filing back and now XXXX is denying paying the claim they never paid. In which I have documentation they were paying under my insurance plan. Now XXXX Hospital has basically dumped this on me stating it is my issue to resolve. If they had processed and followed up with the insurance company and had done their job, there would not be this complaint. I am getting the run around with XXXX XXXX to pay the claim as well.

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 2017-10-15
Company: EQUIFAX, INC.
State: NJ
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:
I disputed this account on my credit report with XXXX XXXX and I was informed they no longer have my account. Now the account says in repossession and the car was repossessed over a year ago and the account was closed. The account now says open and is now reporting late payments from XX/XX/XXXX as if the payments were due XX/XX/XXXX. The information is inaccurate and false and damaging my credit  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I has a credit card through wells Fargo and I maintained payments until wells Fargo raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On  XXXX   XXXX   2017  m y commonwealth financial systems r eported that owed  XXXX  and I have n't been to the hospital since I was  XXXX   years old I d o n't know why they put it on my credit it made it so low I ca n't do anything I feel like I got scammed please help me dispute this they have not connected with on any phone calls or terms

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Date received : XX/XX/XXXX Consumer 's state : AZ Product Vehicle loan or lease Sub-product : Loan Issue Managing the loan or lease Sub-issue : Billing problem Consumer Complaint Narrative I paid my normal monthly payment of { {$650.00} } on about XX/XX/XXXX but KIA Motors Finance has refused to credit my account to this day despite my many attempts by phone, email and first class mail. This has caused my credit to be bad. KIA sent me a confirmation letter verifying this payment through XXXX XXXX. KIA REPOSSESSED MY CAR WHILE I OWED ONE " LATE '' PAYMENT THAT SHOULD HAVE BEEN TAKEN CARE OF BY THIS $ $ 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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING FRAUDULENT ACCOUNTS WERE OPENED IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX # XXXX OPENED : XX/XX/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 2020-03-10
Company: Mr. Cooper Group Inc.
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Okay, here is what happened, I had a forbearance, the payment failed because it was processed by the loan company to early. They tried to put it through again, but my medications hit the bank before the forbearance payment. Now the loan company wants XXXX. If not my wife and I will loose the house. They do not take into consideration that we are both XXXX. 

I would like to work with them to come to a satisfactory deal, that benefits both of us. We Love the house. Also I have XXXX XXXX this month. I want them to reach out to me. Not just letting me stress out, about the next day, like where are we going to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Approximately  XXXX / XXXX /   17  I tried to deposit cash to m y Netspend Card and was unable to was told card was blocked. I called Netspend got customer service rep who must have been in another country unable to communicate well. She said something about card blocked suspicious activity and asked about some charge and I replied there was nothing wrong my balance was correct and I wanted to add funds. She said ok there is fraud card is cancelled and I kept trying to explain but it was obvious she was reading from a script. No matter what I said she had same answer. So I got frustrated said cancel the card I will never use Netspend again.  The around  XXXX / XXXX / 17  I won money at  XXXX  and the have policy the first {$50.00} of winnings has to go back to debit or credit card in the last 30 days. So {$27.00} of it was credited to my cancelled debit card. So I call ed Netspend and they first said there was only {$13.00} not {$27.00} then said I would have to get a n ew account. I told them I would never give them another dime to send me a check and they said I would have to pay {$5.00} to get a check so I hung up and wrote a letter explaining I was going to contact every appropriate state and federal agency concerning their actions. I have never got a reply. I looked online today  XXXX  and see they have charged me {$9.00 } (   XXXX   ) 3  times since I told them to cancel card and send me my {$27.00}. They say I owe them {$2.00}. How ma ny 100,000 's of other people are Netspend doing this to.

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 2017-05-29
Company: Experian Information Solutions Inc.
State: AL
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:
Open Date :   XXXX  2016  {$3600.00}  Open Date  :  XXXX /2016 {$860.00} I was told that each contract was cancelled and after months it was not removed.

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 2015-07-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
THE BANK IS GIVING PERSONAL INFORMATION TO A THIRD PARTY WHO HAS RIGHT TO KNOW ONE INFORMATION.. THE ARE MIDDLE MAN BROKER CALL FORWARDER THEY OBTAIN THE ASSIGNMENT AN THEN THEY SEND IT OUT ACROSS THE COUNTRY TO A XXXX COMPANY WHO DOES NOT HAS ANY AUTHORIZATION TO KNOW MY INFORMATION.. ON TOP OF THAT THEY CHARGE THE BANK XXXX TIMES THE AMOUNT OF A AVERAGE REPO CHARGE TO THE COMSUMERS. YOUR JOB IS TO PROTECT US BUT THIS CONTINUE THERE ARE LAW BEING VIOLATED YOU MUST PUT A STOP THIS ABUSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
We never received the 1098-E form for our taxes. Have tried to login, keeps saying password is incorrect. Have completed the password reset multiple times, have not received email to reset. Tried to call all three phone numbers available, they have all been disconnected. We had issues last year when the company acquired loans from ACS. Payment had been set up as auto payment, and never received notice that loan owner was changing. Had several late/missing payments before they called looking, which was the first we heard of the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: WELLS FARGO & COMPANY
State: AP
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm trying to qualify for the HAMP program throughWells Fargo Mortage. They said I was declinedbecause my affordability % was XXXX and Ineeded to be at 31 %. My son offered topay the amount that would have broughtmy affordable factor down to the 31 %. 
The bank said that I was declined againwithout reason

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a modification from Wells Fargo back in XXXX, I hired a lawyer, worked at getting them all the paperwork hundreds of times. Finally, got the modification in XXXX XXXX, I sent the XXXX payment, however I was short on the payment since the paperwork was not very clear on the amount due, I sent {$1100.00}. I realized later that the amount should have {$1300.00}, so I sent the difference in XXXX XXXX for {$250.00}. The XXXX payment they dispersed incorrectly as well as this {$250.00}, they applied to the principal instead of the normal payment, without notifying me of this. So they say I am behind in this payment. Also, in XXXX XXXX, I made a mortgage payment on the phone with them, same information, same account I always use, they processed it incorrectly so it shows that it bounced, even though I have proven to them that I had the money in my account to cover the payment, they did n't notify me until XXXX XXXX. There is also a payment in XXXX that they misapplied for {$1100.00} to principal instead of the regular payment. I have provided them over and over again with all the documents to prove my case, yet they refuse to work with me. I realized that the XXXX payment I will owe, but I need to make payment arrangements for that XXXX. They call me several times a day and never resolve anything. Please help.This has ruined my credit, which is not fair. I pay my mortgage every month. I 'm so exhausted from this constantly not being fixed.

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