BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-17
Company: Argon Credit
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Took out this loan with Argon Credit back in XXXX 2015 to cover medical expenses for my husband. The application stated the interest rate would be no more than 5 % when consumer applied ; however, the interest rate was not revealed until the final signing of the loan. Consumer discovered the interest rate was 89 % on a {$2000.00} loan. This is in violation of the Usury law of the state of Alabama. Consumer has made a previous complaint with CFPB about Argon Credit, and the interest rate was decreased to 79 %. Consumer has made XXXX payments of {$190.00}, totaling {$1500.00}, but the balance is showing {$1600.00} with the majority of the payment going toward interest. Consumer disagree with this balance. Under Alabama usury law, the balance should be {$470.00} because the interest rate charged by Argon Credit is in violation -- balance due {$2000.00}, only. The balance increases enormously every month instead of decreasing. Argon Credit is using Private Payment Services to debit my account, and when consumer calls, XXXX XXXX XXXX refuses to give a payoff balance. The phone reps go into great lengths to avoid giving consumers this information. I have contacted Argon Credit several times about this interest rate violation, but just sends out a generic response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Well I 've been a victim of robbery I tried reporting it to chase bank and the said that I need it to be sure and they keeps charging from my account and know I dnt have money and chase does t want to help all they say was well your account is close and yourve no longer making business with us

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-19
Company: GVA Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Did not realize the amount of the interest or amount not being applied to my loan. I needed this loan to take care of family matters. I would have never done it knowing what would happen. I have already pay  XXXX  and I only owed  XXXX  it is almost double on the loan amount. Loan shark. Date was taking out on  XXXX / XXXX / XXXX  not to be payoff til  XXXX / XXXX / XXXX . can not make extra payments. Wife just got a new job no income but mine right now til she gets her paychecks coming in regular basics. Id number of the contract is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX  XXXX is incorrectly reporting a late payment to Equifax. I have bank account proof of on time payments. This needs to be fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I ha  ve disputed the same liens on my report 3 times & each time they said it was mine. I contacted the entity that they listed, and they confirmed by SS # that the accounts were not mine. A simple check of the social security number would have resolved this, the entity said that they may not have even contacted them, just saw the same name on the file & assumed it was mine. Now the credit bureau, Equifax, is telling me I have to prove it myself that it is not mine.
Confirmation # Status Dispute Date Completion Date   XXXX    COMPLETE D  XX/XX/XXXX  XX/XX/XXXX  Open   XXXX   COMPLETED XX/XX/XXXX       XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Dear sir or madam, Previously I was required to bring a CFPB Complaint, Complaint # XXXX, relating to this present complaint. Complaint # XXXX resulted in permanent mortgage modification documents, delayed nearly 1 year, finally to be tendered to myself, the borrower in XXXX XXXX '. Specifically, the modification offer and my acceptance originally occurred 1 year earlier, in XXXX, XXXX ', when XXXX XXXX XXXX was my loan servicer. 
My duties under the original trial/permanent mod offer were to make 3 trial payments, which I did and thus fully performed under our contract in XXXX, XXXX & XXXX XXXX. After XXXX XXXX XXXX received the final trial payment in XXXX XXXX ', it immediately sold my loan to Seterus , Inc . Yet again, I can not overemphasize, Seterus failed to send me the permanent modification contract, despite countless calls and letters, until XXXX XXXX. Please see attached. 

Between XXXX XXXX ' & XXXX XXXX ', servicer Seterus , Inc. repeatedly claimed it was in the process of generating the permanent mod documents. I now have discovered that during this same time period, Seterus and it 's attorneys continued to add to my account it 's attorney and other fees, fees generated by Seterus attorneys neither able to explain Seterus 's delay, or resolve it 's underlying cause. Such fees were the result of multiple court dates, mediation sessions, and correspondence with my attorney, ( also of course required to bill me for such time also ). Most notably, in Seterus letter of XXXX XXXX, XXXX, the date when the permanent modification contract was finally tendered to me, it 's Representative ADMITS the cause of the delay was Seterus 's own " system limitations ''. Please see attached. 

Yet incredibly, Seterus then immediately sold this loan to a new servicer, Selene Finance. But before doing so, added {$1000.00} to my account balance for the legal and other fees it generated during the time between XXXX XXXX ' when it acquired a fully performed trial/permanent mod loan, and XXXX XXXX ' when it finally overcame it 's " system limitations '' and sent me the permanent mod docs promised, but not delivered, since XXXX XXXX '. Please see attached. 
This action by Seterus resulted in a {$1000.00} charge added to my account with Selene Finance. I formally contacted Seterus concerning this matter, who now unfortunately fail to recognize it 's earlier admission that Seterus 's own " system limitations '' caused the permanent mod delay and resulting fees, and thus were charges I should not incur. Please see attached. 

Thank you so much for your prompt and just attention to this matter. I continue to be billed for these wrongful fees on my monthly Selene Finance account statement. Please contact me anytime if so necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I advised the company   XXXX   XXXX   XXXX   that I was   XXXX   XXXX    and to assist me with  Soldiers Relief Act due to the interest and and fees as of today 's date they have not lowered the fees and interest and sent account to collection without assisting me in this matter. I advised as soon as they had adjusted my accoun t I would start to pay in accordance with the terms of the agreement as of today 's date they have never done that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TransUnion lowered my credit score by XXXX points just due to one credit card 's balance increased by {$170.00}. They raised it by XXXX point weeks ago when another balance decreased by {$300.00}. It's not fair, it's an abuse of power and I want this to be taken seriously!

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 2022-01-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I pulled my consumer report, I seen that Wakefield & Associates reported numerous items in the total amount of {$58000.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge XXXX XXXX XXXX to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax wrongly changed my last name on my credit report, and deleted all of my previous credit history, and started a new credit report. After several attempts of explaining the situation, XXXX supervisor found my old report and promised to combine with the new XXXX. They had XXXX credit reports for me with the SAME ssn. I initiated a dispute to have this corrected, they only updated my last name to the correct XXXX. ALL of my previous credit history is gone. I have been denied credit due to Equifax reporting my credit history incorrectly. It shows that I only have XXXX months of credit history, and I am XXXX years old with a mortgage, car loans, credit cards, etc. All of this showed on my credit report as recently as XXXX 2014. None of it shows now, and it is all current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is s tating I owe  XXXX  debts of {$390.00} and {$360.00} for credit card accounts originally with   XXXX   XXXX  . I repeatedly disputed this claim several times via mail for about a year now because this is not my debt and fraudulent activity with this account. I have never signed a contract. I have even attempted to a pay for delete sent certified mail for both account if they agree to delete they never responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Commonwealth Financial Systems, Inc.
State: OH
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:
Commonwealth  financial systems is misrepresenting how old my debt is. The accounts are from  XXXX  and they are listing them from  XXXX  of  XXXX . I 've tried to get them to correct this but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 I sent via next day delivery, certified, return receipt requested XXXX separate NOTICE OF VALIDATION OF ALLEGED DEBT in accordance with Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g, to Wells Fargo 's attorney of record XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX ( XXXX ) XXXX. This action should have stopped the foreclose sale of my property on XXXX XXXX, 2015. These letters were ignored by both Wells Fargo and their attorney and the sale proceed today with no response from either. This is a direct, willful, and intentional violation of federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I've wrote Honda Financial XX/XX/2021 and XX/XX/2021 to resolve the matter regarding my vehicle due to the pandemic which has been extremely hard to keep up. I've wrote them a letter requesting my original contract to pay off my vehicle and I was told by representative that my contract was shredded on XX/XX/2021. I was never given notice about my contract being non-existent. I'm paying them with no contract on file which is fraud and against my consumer rights. I've been contacted by phone numerous times regarding to pay them. I also have received several mail pieces to pay them without my contract. I have taken every avenue to resolve this matter. They have disregarded my privacy several times even after asking them not to. I owe them nothing with a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, PA XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # 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 2017-05-19
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I 've been having trouble with false information and negative interactions with Navient phone operators. I set up a payment to be made  in  XX/XX/XXXX and for some reason it was never taken out. I did my part and yet it was still never taken out. Then my cosigner started getting threatening calls even though I was told that she would not be contacted anymore since I had started a payment plan back in  XX/XX/XXXX . She  paid some towards the loan and yet the phone calls did not stop. Yesterday I received a call while at work so I was n't able to answer it and it went to voicemail. On the voicemail that I have saved on my phone, the operator did n't realize she was leaving a message and can be heard mocking my lack of payment with a co worker. Also yesterday I spoke with a woman who gave me good, but confusing, information and said that I would need to call back to make a payment since I could n't make one within the next two weeks but that the phone calls would stop for a week. This morning I received a call from a very rude man who would n't acknowledge the fact that I had spoken with someone yesterday about this very topic and that she said the calls would stop.     Needless to say, this is a very stressful situation and I 'm becoming very annoyed with the treatment I 've received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX SS # XXXX Dob XX/XX/XXXX Transunion will not remove the unauthorized inquires from my credit report. It has been over 60 days and they have ignored my request to prove that the inquires were authorized by me. I sent them a certified letter with return receipt dated XX/XX/XXXX to remove the unauthorized inquires and it has not been done. this is hurting my good credit!!!!!! see copy of certified receipt attached and see list of unauthorized inquires below. I DEMAND THAT TRANS UNION REMOVE ALL UNAUTHORIZED INQUIRES FROM MY REPORT!!!!!! XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address 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 2016-06-01
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This complaint is against Equifax. The other XXXX agencies removed these withdrawn tax liens last year. I have called and fax and mailed document and today was my final straw. I spoke to XXXX in the Customer Complaint area and he look at the documents that I sent from the IRS and he still would not withdraw them from my account. I spoke to my local county tax department where they was filed and they are showing withdrawn.. 

I lost my chance securing some credit I needed because of this lien. ( I also have that letter ) I do n't have enough money to hire a lawyer so I am hoping that you will help me. He told me it up to me to supply them whatever they wanted and I told him with my dispute they should verify with the county and IRS but he refused. 

I have names, dates and documents to support my claim. 

You are my last resort. They are not treating me fair and their holding my credit score hostage in the meantime. Equifax 's credit score is at least XXXX points lower than the other XXXX reporting agencies. 

PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Residential Credit Solutions, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Residential Credit bought my mortgage from XXXX. I was trying to do a short sale with XXXX when the mortgage transferred. Residential Credit requested paperwork to start this process. I provided all the documents they requested and then they would need other documentation to continue the process for a short sale. This continued for 4-5 months until I was informed that the loan was being sold to XXXX. 
I do not believe that Residential Credit worked with me in good faith on this process. They appeared to intentionally stall or not act on the paperwork I uploaded to their website as they requested to complete this short sale. 
That had an appraisal done on the property which was not comparable to the property I am trying to sell. The appraisal completed for Residential Credit was overvalued and done on a property which has XXXX homes on the land. They used this appraisal to initially deny the short sale. I was told that if I desired to dispute this that I could submit an appraisal. I uploaded this appraisal to their website as directed and no action was taken for over 2 weeks when I was informed that I would also have to submit a separate request to evaluate the appraisal I had submitted. This pattern of delaying continued until the date that the loan was transferred. 
I have multiple offers for the property and have had to extend contract agreements because Residential Credit will not act on these offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our home and closed out our mortgage with US Bank. There was an overlap in autopayment and a balance left, which US Bank says to have sent via check. The check was not received. US Bank stated we had to wait 30 days until they would reissue the check. They then charged me {$15.00} to reissue a check which i never received. Even after discussing this with XXXX levels of management, and promised an overnight deliver with signature, i have yet to receive the check. I 've been on hold for XXXX minutes so far, as I wait and fill out this form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-21
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I recently opened a business checking account and US BANK felt it was ok to put my deposits on hold and charge me overdraft fees at the same time. There are well over {$300.00} in overdraft fees because they concurrently charged me for fees on money they 're holding and probably reinvesting in the market for 7 days. 

Ultimately I 've been wronged and I want the CFPB to investigate this matter. XXXX XXXX I would like no phone calls, please communicate in writing only please US BANK.

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