BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I checked my 2 times on the mobile banking app. The last time I had checked was XX/XX/XXXX at XXXX. My account did not show overdrawn at any time. My banking history does show that anytime my account is overdrawn I make a deposit right away. At this time I was charged {$35.00} insufficient fee. I think the fee was not a justified fee because my account was at a positive state on XX/XX/XXXX when I had checked even at XXXX. I requested a refund and did not receive a refund. I am also signed up for mobile alerts and did not receive alerts. I received an email the following day with the information regarding my account being overdrawn.

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 2020-11-11
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a dispute letter to LVNV Funding LLC and all 3 credit bureaus regarding a collection that was opened in XXXX. It is well over 30 days and everything but my XXXX still hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: National Check Bureau, Inc.
State: MI
Product: Credit card
Issue: Bankruptcy

Complaint:
Hello how you doing? I am XXXX XXXX I had combined our debt from XXXX credit card company in XXXX. The amount I alone started to owe was {$18000.00}. {$9000.00} of it was mine and the other {$9000.00} was my wife 's. All that was from XXXX. Currently the National check burea bought the debt some how. Now they asking {$100000.00}. In XXXX they intercept my tax return from federal government. In XXXX they asked the Judge to allow garnishing my bank accounts. I am willing to settle the original amount we used in XXXX with a deep percentage off. They insist on getting half. Their attorney is XXXX XXXX. I do n't know about any law that allows this kind of hunting. They do not show on my credit report. My fear is they attack another bank account I own or worse make me sell something I have. My lawyers are telling me to file bankruptcy. I want this debt forgiven because of how old it is. Any way to avoid letting them have so much money is going to solve this issue. ( Help ) XXXX thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : Credit Account # XXXX To Whom It May Concern : Upon reviewing my XXXX, XXXX, and XXXX credit report, I observed that my auto account with Kia Financial is listed as a negative paid charge off entry. 

In XX/XX/2020, I endured an abrupt loss of employment that was related to devastating financial hardships that the organization experienced resulting from the COVID-19 pandemic. 

My account history indicates that the past due balance was paid as well as the resulting late fees. Further, the full payment has since been PAID IN FULL. 

My purpose in writing is that I have encountered difficulties in securing financing from mortgage lenders, largely the result of a diminished XXXX  score. 

I respectfully request that you make a goodwill adjustment to delete the charge off collection entry from my credit file. 

Thank you for your consideration. 

Sincerely, 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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Late Dates 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 2015-09-28
Company: Valarity, LLC
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called twice already this morning, using a robo-dialer to call my cell phone. When I answer, an electronic voice tells me to please hold for a very important call and then puts me on hold with music playing. This is unacceptable, both the multiple calls and the robo-dialing then putting me on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
XXXX and XXXX they are using my accounts from XXXX  XXXX that has discharged and showing and reporting 90 days late causing my score to drop they have blocked any dispute on line and has not responded to any mail in disputes I sent them possible negative that's was on my report and I reported it to you and it disappeared using language signal to creditors what's type of account it is.using certain words on report I have not paid any thing late since I filed my XXXX  XXXX discharge putting loan amounts and showing current lates like I'm recently missed payment latley.

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 2017-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo allowed an unknown fraudulent individual to open a checking account in my name without verifying or confirming their identity. I notified them and they assured me that they would complete an investigation in a timely manner ; however it has nearly four months since I reported this and they have failed to contact me. Not to mention that financial loss that I have suffered which includes my personal time. Additionally, the bank has been sending me harassing notices stating that I owe them money for the account being overdrawn which is illegal.

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXXXXXX and XXXX do not update the free credit score/fico score like all my other cards, the only time it get updates is when I call transunion. When I call XXXX XXXX  XXXX or chat with XXXX they said it is up to trans union to update when i call trans union they say banks have to report. I have approx 10 credit cards all paid off and XXXX XXXX XXXXXXXX and XXXXXXXX is the only ones not updating my score. With other credit cards my score is XXXX and XXXX XXXX XXXXXXXX have me at XXXXit stayed at XXXX for a few months when others updated monthly. XXXX finally have me at XXXX and have not updated since XXXX. XXXX XXXX XXXXXXXX denied me home loan because of my credit score several years ago and now they refuse to update my fico score consistently like other credit card companies that also get their reports from Trans Union, so I can get a better interest rate and loan amount/ XXXX  fico score XXXX XXXX credit score XXXX all other credit cards XXXX - XXXX The only reason these to cards changed there score at all is because I was constantly calling them and Transunion , for awhile they both was still reporting XXXX after other cards had me over XXXX. I feel like they do not want to up my score appropriately so I don't have access to home loans. I feel I am being discriminated by these to entities. Yes I am XXXX American.

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 2016-07-19
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Late fee

Complaint:
I got some calls from Synchrony regarding my XXXX furniture account. It turns out my scheduled payments had run their course and I was 2 weeks XX/XX/XXXX. I told the man on the phone that I wanted to pay XXXX and he pressured me to pay XXXX as well. I asked if I had incurred a late fee and he stated " You were late on your payment so obviously there was a late fee. '' I said that I would pay XXXX and XXXX right then if he could waive the late fee. He then stated that IF I paid even more money THEN he would see if he could waive the late fee. I repeated back to him to make sure that I understood. I asked him " So, if I pay more than I owe for XXXX AND XXXX then you might be able to waive the late fee? '' He stated yes, that if I paid a total of {$100.00}, only {$11.00} more than my XXXX and XXXX combined payments, then he could waive the approx. {$37.00} late fee. I repeated back to make sure that I was really understanding him ... .that if I paid MORE than the two payments then he would waive the fee?? He stated that yes, it was better for my account ( ma'am ). I truly did repeat again and he stated yes, that it was better for my account and that I COULD pay just the {$89.00} but if I paid {$100.00} then he would waive the approx. {$37.00} late fee. Ultimately I said I would log in and pay the {$100.00} when I got home ( I was driving ) and he then made me promise that I would pay the {$100.00} and then, once my payment was received, the late fee of {$37.00} would be removed from my account. I have actually NEVER had this kind of negotiation over a late payment / fee and especially where I was being told that I had to pay not only my XXXX missed payment ( it is XXXX XXXX today ) but ALSO my UPCOMING payment AND some extra in order to waive a fee because " it was better for my account ''. ( I only owe just over {$600.00} on the card ). 

Is this legal? it seems like it should not be. 
Thank 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 monetary relief
Consumer complaint received 2022-09-18
Company: Exeter Finance Corp.
State: FL
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:
In late XXXX XXXX i commenced a dispute of the contract between me and Exeter finance LLC Via an inquiry directly with said company At which point I was under the impression that negative reporting would cease for 30 or at least until There was proper validation of the obligation however XXXX and XXXX immediately reported negative information during this time and they refuse to rectify this mistake after I have reached out to both of them and provided all pertinent documentation of this dispute. Exeter is also refusing to amend the report after several request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The law firm is trying to collect after the statute of limitations. The paper work sent is not complete or signed by the bank. I have never heard of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: ALLY FINANCIAL INC.
State: NM
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ally Financial is guilty of the following federal crimes : Violation of 15 USC 1681 Violation of 15 USC 1692b. ( 2 ) Violation of 15 USC 1692d.

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 2022-09-18
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: Reporting company used your report improperly

Complaint:
I went to a car dealership and applied for a car they said that they were only going to submit my information to XXXX XXXX but they actually submitted my information to 10 different companies without my knownledge or consent. I have listed the following companies, XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX  XXXX XXXX XXXX  XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/2022 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 2020-11-11
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Last XX/XX/XXXX, The Home Equity Loan that I took out with US Bank, contacted me to tell me that in one year, my draw period would be over, and that the terms of payment would change. I was advised to call the bank to discuss options. I called and spoke with someone by the name of XXXX. I believe her last name was XXXX, but I could be wrong. I asked her what my monthly payment was going to be, once the new terms were in place. She told me she would have to do some research and get back to me. Two days later she called back, and advised me that my payment would be somewhere around $ XXXX month. At that time, that amount was feasible for me, so I opted to not refinance or take out a different type of loan. XX/XX/XXXX, My loan terms change, and my payment goes up to $ XXXX month. We are in the middle of a pandemic, XXXX XXXX a XXXX XXXX  is on hold, I'm on unemployment. So, not only can I NOT afford the new payment without serious hardship financially, but due to the situation, I am no longer in the position to be able to refinance or get a new type of loan. I have discussed this with US Bank, they are refusing to do anything to help me. What if anything can I do, in this 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 explanation
Consumer complaint received 2016-04-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Over the part 9 months, I have made prepayments on my highest interest rate loan that is serviced by Navient. During that time period, Navient, rather than apply my prepayments to the loan I specifically designated, applied my prepayments to my lowest interest rate loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY WALLET WAS STOLEN IN 2018. FRAUDULENT ACCOUNTS WERE OPEN IN MY NAME. THEY HAVE SINCE THEN BEEN CLEARED UP EXCEPT FOR NAVY FEDERAL.

ALL THREE BUREAUS STOPPED REPORTING THE FRAUDULENT INFORMATION, NOW XXXX HAS DECIDED TO REPORT THE FRAUDULENT NAVY FEDERAL REVOLVING ACCOUNT.

THEY ARE REPORTING FRAUDULENT INFORMATION THAT NEEDS TO BE REMOVED IMMEADIATELY, PERMANENTLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
I noticed my account was way lower then it should have been. When going over each withdrawal I noticed there were quite a few thats I didnt authorize. I reached out to my bank and canceled my card. I even closed my account down on the phone and got another phone so whoever had my info didnt anymore. I then get a letter from my bank that they are not going to honor my disputes and put the money back in my account. The letter that was sent to me had a phone number on there if I had questions. I called this number several times a day and was on hold for a hour EACH time. So for days I used my whole lunch break being on hold as well as at home being on hood for at least a hour. Never could get anyone on the phone to answer my questions. I have called different times of the day hoping for different results. I have received nothing.

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 2015-04-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made multiple complaints for the unfair deseptive and abusive acts regarding my mortgage with Fifth Third Bank. The mortgage lender in question has continually charged me unwarrented fees and claims the charges are property taxes. When I logon to the XXXX XXXX XXXX XXXX website my property taxes are {$240.00} on a semi annual bases ; Fifth Third Claims that my property taxes are {$520.00} on a semi annual bases. Fifth Third Bank has caused unavoidable damage in the effect of increasing my mortgage payment by over {$100.00} per month. I need help with this matter I can not afford to pay the money that the lender is demanding. I have yet to get help from UDAAP, FTC or CFPB this is clearly a case of a lender taking advantage of the under informed and leveraging their financial power over a consumer with limited resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Sortis Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Our current credit report shows over many consecutive months of late payments to Acqura/Clearspring Loan Services for our loan that are completely erroneous and destroying our chances of refinancing before XXXX our mortgages come out of the interest only phase and/or variable interest rates begin to ramp up. 
XX/XX/XXXX becuase automatic payments and online payments did not seem to be available, we made a {$2000.00} pre-payment to Clearspring to pre-pay all monthly minimum payments through the remainder of the year to ensure that no late payments could possibly be reported. 
XX/XX/XXXX we continued to receive monthly statements from Clearspring showing that a payment of {$0.00} was due. However, in our current credit report, Acqura/Clearspring has been reporting our payments as 30 days late every month XX/XX/XXXX, save for XXXX. 
I can not tell you how frustrating this is as a consumer. We have been racing against the clock to refinance our XXXX homeloans and have been stalled twice now by XXXX 's reporting of late payments. Like many consumers concerned about late payment reporting, we consistently set up automatic payments and bank withdrawals with our lenders to avoid this very thing, however, XXXX 's online auto-pay sign up system has failed on numerous occasions XX/XX/XXXX without alerting me that the auto-pay function was not available to set up online. 
I then phoned XX/XX/XXXX to ask for auto-pay to be set up and paperwork was supposedly sent to me to do so. The forms never arrived and as a result, our XXXX payment was made after the due date further affecting our credit report. I followed up to ask for the paperwork again, which did finally arrive in XXXX. I completed the forms and returned to Clearspring and never heard back. 
XX/XX/XXXX I phoned XXXX to ensure that the payment would be made on time and found out that my auto-pay request had been denied. No one had attempted to contact me to inform me of that or why. During that phone call, I found our that XXXX declared my requested withdrawal date XXXX the XXXX of the month ) to be too far after the payment due date. What they did n't consider, for some reason, was that I was actually requesting the XXXX of the PRIOR month to be the withdrawal date to be extra precautious and to spread one of our automatic payments to a different time of the month. 
I am concerned that business practices at Acqura/XXXX place a too-high burden on its customers for making consistent, timely payments. At the same time, the company 's erroneous record-keeping and reporting are damaging people 's lives and threatening to further erode the slow gains the nation 's economy is making.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
We were advised to use forbearance early in our loan and while going to school still. Looking back and now knowing what I know we should have been making what payments we could. Interest accrued during this time has really added up to a large sum.

Company response to consumer: Closed with explanation