BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-27
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX I leased a car through XXXX XXXX XXXX. Made all my payments on time and did everything I had to. In XXXX of XXXX I was informed that my lease had been acquired by XXXX. In XX/XX/XXXX after having a few issues with XXXX I decided to initiate the 2 week notice clause in my original terms. Because of incompetence from XXXX  and XXXX XXXX  it took longer than two weeks and I kept most email records and phone logs of my attempted communications with the. I kept on them and finally was able to be told where to drop the car off and that payments would cease. Because of XXXX  questionable management and potential malicious ineptitude I kept several communications saved along with names and numbers of supervisors I spoke to and a digital copy of the form showing I returned the car the vehicle on XX/XX/XXXX in case they ever tried to turn around and say owed anything else. I followed up and checked the payment portal and was told I did not owe anything and my access to the portal was closed because my account was closed. I kept the emails and the payment portal emails stopped in XX/XX/XXXX and the final correspondence I ever got was an email that vehicle maintenance was due in XX/XX/XXXX for a vehicle I returned in XXXX. The terms of the lease were held and I never heard anything else from XXXX. Today XX/XX/XXXX I get a credit notification that a negative report that I owe {$3500.00} to Recievables Performance. I have never heard of that company, and I dont have any unpaid debt so I did some research online and found out the info about former XXXX XXXX customers being sent unsubstantiated collections requests. I fully believe Receivables Performance is trying to collect a false debt that I was never even informed of until I got a credit monitoring report showing my credit score has plummeted XXXX points. I saw on some online forums that the consumer finance board should be informed and potentially hire an attorney. As stated I have emails, photos and digital proof I returned that vehicle and owed further debt on it.

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 2016-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This company said they would delete on numerous calls from numerous phone numbers but did n't, and they seem to be the type of company who does n't honor their own word since they did not take responsibility and delete as they said they would ( go figure ). Even with them not honoring their word, their are not reporting correctly. The balance for this account still shows {$310.00} dollars and as an active collection account on my credit profile. That was the balance when I made my settlement payment, and if we 're going to talk about accurate balances, it should show, in the least, a {$150.00} balance. With that said, it should reflect as a paid settlement with a XXXX balance. This is with XXXX XXXX XXXX and XXXX XXXX. I wrote a much longer complaint but my web page was somehow redirected to the previous page right before hitting the submit button. I blame it on my unsteady fingers, but I took the time to write another smaller complaint because this is not fair to me as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Please see complaint # XXXX for a more detailed explanation. I am submitting this to formally file a complaint for Transunion. On XXXX XXXX, 2015 I accessed the Transunion web site to obtain a free copy of my credit report. I agreed to be charged {$1.00} for the report even though it should be provided for free. On XXXX XXXX, 2015 I was charged {$17.00} by Transunion. I contacted them to discover that I had apparently signed up for their credit monitoring service. I asked them to cancel it immediately and to reverse the charges. They did not reverse the charge but I am disputing the charge through my credit card company. Transunion engages in highly deceptive practices and consumers should be wary of accessing their web sit and certainly their services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received an alert that an ARS Collections company put a collections on my report for {$530.00}. I do not have any debt and certainly not with any collections company. I have contacted the company for validation of this debt and they are not able to provide it. Now I have a negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from this company, for a debt that I don't owe, which is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, since they can not validate the debt, they must request that all credit reporting agencies delete the entry. This has caused my score to decrease by 40 points and with the Pandemic of COVID-19 I need my credit for business purposes which may hurt my small business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Ad Astra Recovery Services has been calling outside of appropriate hours. 

XXXX called me on XXXX XXXX, 2016 at XXXX XXXX ; this is verifiable on my XXXX phone records. 

Also, I am a resident of California, and they violated the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX Account Number : XXXX Bal : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XX/XX/2008. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On  XXXX   XXXX ,  2017 Wells Fargo sent me a letter notifying me they were closing my safe deposit box. I promptly complied with their request for me to return the key. Unfortunately they have refused to return the money I paid to rent the safe deposit b  ox.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed the XXXX student loans that XXXX XXXX XXXX claims that they own but it shows multiple owners on the paperwork I received and XXXX just sent the account over to collections law firm before giving me the validation of debt that I asked for back on XXXX/XXXX/16 and XXXX/XXXX/16 and I was told that I would have to settle the debt for XXXX %. I only received the validation of debt when it was sent to a collections law firm. XXXX XXXX has gotten into trouble just sending the loans over to a collection law form without doing a validation of debt per request. The loans need to be removed from my credit report, I have asked all XXXX credit reporting agencies to remove it but they never do. Per the FDPCA if a company fails to send me the validation of debt per request within 30 days, then the items must be removed from my credit report. XXXX never gave me those but sent the accounts to the collections law firm, this is ruining my credit. XXXX states they are the recordkeeper for XXXX XXXX XXXX but no way to talk to anyone at XXXX XXXX XXXX or for them to explain why XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are all on the paperwork. No clear owner of the loans, at first they had XXXX XXXX XXXX doing their dirty work. The credit bureaus must tell me how they could this loans still belong to me. The credit bureaus only seem to parrot what the companies tell them which is unfair and illegal. I have disputed the delinquent being on my credit report for several years now, I never signed any agreements with XXXX XXXX XXXX and they do not won my debt either, they are committing fraud against me.

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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
INVESTIGATION RESULTS - VERIFIED AS ACCURATE The disputed item was verified as accurate. 
XXXX XXXX XXXX # : XXXX XXXX   XXXX XXXX , NE XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX Original Amount : {$5300.00} Original Creditor : XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : >PAID COLLECTION< I had made {$100.00} payments per month and more when available. on XX/XX/XXXX I made the finale payment of {$880.00} with confirmation # XXXX. the whole time I was making the payment I was under the assumption from XXXX XXXX XXXX   that this would be marked for deletion off of my credit report once paid in full. on the day that I had made the finale payment I had called to make sure that that was still the case. I was then informed that once it hits my credit report as paid in full that I would then need to file a dispute with trans union to have it deleted off of my credit report. I filed this dispute on XX/XX/XXXX and got the above report back today XX/XX/XXXX. I then called Trans Union and asked why it was not deleted as I was informed from XXXX XXXX XXXX   that was the way to do so. Trans Union informed me that they do not do the deletion and that XXXX XXXX has to do the deletion. I then called XXXX XXXX and they said they don't do the deletion on accounts as they only report paid and not paid to Trans Union. This is very frustrating for me since neither one seems to know what is going on or how to handle this and I was lied to through this whole process of paying the amount back and am trying to rebuild my credit score from this and start a family.

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 2016-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
A new po box was added to my report, & my address was removed from it, i live in XXXX i have no po box on 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 2015-07-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
We had a lease with Ally Bank on a XX/XX/XXXX car. Beginning XX/XX/XXXX ended XXXX. The buy out on the contract was {$19000.00}. Per the bank the car XXXX is valued at {$28000.00}. When we tried to use the equity in the car for trade in on a new car. Ally told the dealer for them to take the car for trade they would have to pay $ XXXX..Becouse of that we could not use our equity in the purchase of a new car. Causing us financial damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo XXXX XXXX Sales person ( XXXX ) intercepted my email loan inquiry from the sales person I had worked with before, citing she is more senior than he. I felt that was odd and unprofessional but let it go. 

XXXX immediately provided me with rates, terms and payments for my cash out refi needs, what she now claims was an honest mistake. Turns out the refi product that she sold me on and I immediately applied for doesnt apply to my state of residence of Texas . This is same institution ( Wells Fargo ) that holds my current home mortgage. Upon review, XXXX did advise me I need to apply immediately as rates are rising. Thats true they are. 

After emailing me detailed specifics of XXXX Adjustable mortgage to apply for with APR, Payment amount and terms. I applied and immediately was rejected citing that rate isnt available in my state and informed of a new higher Rate and 30 year term. A difference of hundreds of dollars monthly. 

She states it was a system glitch that allowed her to issue rate quotes that were actually invalid and she had escalated the matter to a corporate level within Wells Fargo. Im skeptical of this response for several reasons Ill share later. 

Long story short I feel misled and feel that the sales person was sloppy at best and its degraded my confidence in Wells Fargo. Whom I have banked with for over 20 years. Over that time Ive forgiven the many unscrupulous behaviors that have arisen but for some reason this one was a gut punch too many. 

Id like a full investigation into the practices by this branch and management. Something is fishy. 

Branch manager XXXX was non responsive. Requests for escalation were ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Inquires were removed and re added without notice or reasoning List all inquiry names and dates

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 2015-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I wrote Transunion over a year ago telling them I agree with their investigation and to take accounts out of dispute. They did not and I now can not get a home loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Klarna AB
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Original Purchase {$370.00} XX/XX/XXXX through XXXX ( line of credit account through Klarna ) Klarna.com - Payments ( account website ) I made payments made timely with no late payments. My personal email ( unrelated was hacked ) and I deleted the account immediately as it was affecting other open credit accounts. It was an urgent issue Klarna uses only your email address for logging into your personal account. I called and told them I needed my account updated for new email address. I was told to make a new email address and that updates could not be made to existing accounts. When I set up a new account and called back - I was told - KLARNA would need to set up a new account and to give them a THIRD email. I asked for final balance and to just pay by phone right then. They do not accept payments by phone and can not email an invoice or statement so I only could get bill pay information and final balance via email in writing.?????  Ok, fine. Balance according to them? {$65.00}. 

Final payment due : XX/XX/XXXX Final payment sent via bill pay ( before due date ) XX/XX/XXXX Late Fee notice sent via physical mail : XX/XX/XXXX Statement with INTEREST NOW!!! via physical mail : XX/XX/XXXX Late fee was because my payment was SHORT?? by {$2.00}. Why? Because ACTUAL balance was {$67.00}. Hence, {$2.00} balance, late fee, interest ( even though payment not late, amount in writing from Klarna and STILL NO ACCESS TO MY OWN ACCOUNT TO CONFIRM MYSELF. 

Call/email Klarna : XX/XX/XXXX STILL HAVE NOT UPDATED ACCESS TO ACCOUNT : told me would waive late fee but no confirmation number, no email confirmation and can not talk to anyone else. But need to send Bill PAYMENT of  {$4.00} ( wont cover their error or interest ) Meantime, my payment will be late in 6 days ... guess what their solution is? Wait 7-10 after I send the payment, then call back and if there is another late fee - they will waive again ... ... .what happens if more interest happens?? This goes in a loop. This is fraud and stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/20 and XX/XX/20 I spoke with a Penny Mac representative about refinancing my existing mortgage, which Penny Mac currently holds. They knew that I am a current Penny Mac customer. This representative plainly and repeatedly assured me that Penny Mac would meet or beat any other offer and, specifically, the offer I currently had from my credit union. I was trying to compare offers to make an informed decision about my most important asset - my home. 

Instead, Penny Mac used a " bait and switch '' tactic. I made sure their representative understood that the reason I agreed to complete an electronic application with her and with a credit card payment of {$440.00} was because I expected that I had nothing to lose even if my credit union 's offer came in better the next day - even if it was better, Penny Mac would meet or beat it.

( I was anxious about this because the verbal rate quote of 3.1 % from my credit union was lower than the verbal quote from Penny Mac. ) The credit union provided me with loan specifics at the original rate of 3.1 % on the afternoon of XX/XX/20, which I emailed at that same time to Penny Mac 's representative for comparison. I followed up this morning, XX/XX/20 with an email and then a phone call. 

The representative said she would talk with her manager,  but came back and said they couldn't beat the credit union 's offer. I asked to speak to the manager ( XXXX XXXX ) ; I  asked the manager to listen to the telephone recordings of conversations between me and his representative to verify my objection to this sudden inability to follow through on the offer that enticed me to sign their application and allow my credit card to be charged. He said they couldn't beat the offer, that they only promised to try and that my expectation was unreasonable because their mortgage company wouldn't make enough money off of my loan. 

I sent three emails this morning ( XX/XX/20 ) directing anyone and everyone who contacted me about this refinance matter to STOP this process for going any further. I also placed a dispute with VISA to get my money back, but I would prefer that Penny Mac reverse the credit charge of {$440.00} without further delay. And I want them not to do this to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09
Company: Glass Mountain Capital, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
All these people care about is getting that {$400.00}!!!!!!!!! What I told them is irrelavant!!!!!! My spouse and I are struggling as it is with things!!!!! We do not need anymore XXXX added onto what we have going on!!!!! And I ai n't responsible for a XXXX THING!!!!! These people gave this account to a XXXX collection agency!!!!!! We 're sick of this XXXX!!!!! For real!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.

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 2016-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a XXXX XXXX account on credit report that is not mines. I have attached ID theft statement. this account was deleted and readied by 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