BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-14
Company: Venture Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been paying on this debt and they are charging me interest. The original amount was XXXX. I have paid XXXX if not more and the interest they are charging does n't make the amount go any lower. I have asked several times if they can charge interest and they said that they can charge whatever they want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello I have XXXX collections from hospital on my credit I should n't of been charged because I have a medical card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Stellar Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I just noticed this debt on my credit report and I do not have this account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX sold my loan through auction for XXXX % of it 's Unpaid Balance ( UPB ) on XXXX XXXX, XXXX to XXXX XXXX, with Fay Servicing servicing the loan. 

On XXXX XXXX, XXXX, Fay Servicing offered a Proprietary Modification that included {$74000.00} in Principle Reduction from California 's Hardest Hit Fund. 

The monthly payments were over XXXX % of my income, far above the HUD guideline of XXXX %, and I could not accept the offer. 

I had to insist, multiple times, that Fay Servicing evaluate my loan for HAMP, as is required by XXXX 's Non-Performing Loan Sale Requirements. 

Fay Servicing finally sent the HAMP Mod Docs on XXXX XXXX, XXXX. I faxed and mailed the filled out and complete HAMP application and supporting documents on XXXX XXXX, XXXX to Fay Servicing, with follow up documents faxed on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Fay Serving acknowledged receipt. 

To make the monthly payments conform to HUD guidelines, a combination of Principle Reduction and HAMP modification is necessary. However, Fay Serving is saying that XXXX XXXX will not accept Principle Reduction money through California 's HHF, even though they offered a modification based on HHF Principle Reduction money of {$74000.00}. 

According to California 's HHF website and phone counselors, XXXX XXXX does participate in the Principle Reduction Program. 

XXXX Fay Servicing has stated that " XXXX XXXX wo n't allow for principle forgiveness. '' They will only accept Mortgage Reinstatement money from HHF. 

What is the truth? 

I am applying for HHF Principle Reduction again to assist in making my home payments affordable for myself and XXXX daughter. 

Also, since my loan was sold for XXXX % of it 's value, that means that the Unpaid Balance of my loan is less. How do I get a Mortgage Modification based on the reduction in my Unpaid Balance? 

Your help in resolving this matter is much appreciated. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: FIRST HORIZON BANK
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
In my case. when I schedule a payment to XXXX of my payees through First Tennessee Bank 's online bill pay service, First Tennessee Bank automatically deducts the amount scheduled immediately prior to any payment instrument being issued by First Tennessee Bank. They do issue a reference identifer at the time the online payment is scheduled. What I believe is that when my payee returns the payment instrument issued by First Tennessee for redemption, First Tennessee changes the initial reference identifier. They also change the reference identifer again once they close my statement out for that period. The information is attached in detail later on in this process,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The creditor took on my loan when i never should have been approved my credit score was barely XXXX. The creditor put my interest rate of 120 %!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: AR
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:
ALL 3 BUREUAS ARE ILEGALLY REPORTING XXXX  XXXX XXXX  XXXX, LOAN XXXX, ORIGNAL TRADELINES XXXX XXXX AND XXXX WERE DELETED, BECAUSE THE S.O.L. EXPIRED OM XX/XX/2019. FINALLY THIS WAS LISTED AND DISCHARGED IN BK.

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 2020-01-14
Company: EQUIFAX, INC.
State: AR
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:
ALL 3 BUREUAS ARE ILEGALLY REPORTING XXXX  XXXX XXXX  XXXX, LOAN XXXX, ORIGNAL TRADELINES XXXX XXXX AND XXXX WERE DELETED, BECAUSE THE S.O.L. EXPIRED OM XX/XX/2019. FINALLY THIS WAS LISTED AND DISCHARGED IN BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit report. I have contacted transunion on multiple occasions and they refuse to help even though their servers where compromised. I was informed by FTC to file here to escalate and have the following inquires removed as I have not gained anything from them except loss in score and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries where replaced on my credit in batches by transunion illegally without my concent . I did not include factual inquiries. Please without discrimination delete these erroneous inquiries according to FTC GUIDELINES as soon as possible.

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 2022-02-22
Company: EQUIFAX, INC.
State: MD
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:
As I reviewed my recent report, I have found an erroneous information reporting on my XXXX Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to XXXX to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX XXXXXXXX Balance : {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2022 Charged {$12.00} for Service Fee XX/XX/2022 I was negative - {$5.00} due to the service fee XX/XX/2022 Transferred {$2100.00} into the account to cover a {$2100.00} check XX/XX/2022 {$2100.00} Check Posted XX/XX/2022 Bank charged me a {$36.00} overdraft fee. This overdraft occurred due to the {$5.00} remaining from the unpaid service fee. 

I spoke to the bank to have it removed since the overdraft is a result of {$5.00} that I was negative from the service fee. They said I had an overdraft fee removed in XX/XX/2022 and they could only remove one overdraft in an 18-month period. Please help Truist has been charging service fees excessively since they merged BB & T and Suntrust.

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 2015-04-28
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit profile and discovered that " AD Astra recovery Services, Inc '', had put a negative trademark on my credit profile for over {$300.00}. I then sent a letter for verification to this collection company requesting verification of this debt. On XXXX XXXX, 2015 I received a letter containing a loan agreement with just a signature in my name. After further review I seen nothing in this agreement other than someone writing my name on a piece of paper. I did some investigation and found that a person whom get this type of loan must fill out an application and submit a blank check from their bank. Neither of this type of validation was submited by this collection agency. A fraud alert was put on my credit profiles sometime ago. I am requesting assistance in getting to the bottom of this fraud and attempt by this collection company to violate the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Around the end of XXXX beginning of XXXX As all inquiries were removed from my TransUnion credit report. However upon rechecking my credit report I currently have multiple credit inquiries where there should only be XXXX that I recently acquired. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX - XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry 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 explanation
Consumer complaint received 2016-04-05
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I checked my account I had deposited {$59.00}. First Merit has taken {$10.00} out of my account. I had set up a savings account with First merit a few months ago with the bank Vice President XXXX XXXX. She told me that if I set up a savings account that it would cover my checking in case my account was overdrawn. My account had been overdrawn a week before by {$9.00} I did not know otherwise I would have transferred the money my self into my checking account. First Merit was supposed to had sent texts to my phone when my account was low or overdrawn they have not done that yet. I saw XXXX XXXX about this matter and contacted First Merit and they still have not activated the texts to go to my phone. XXXX XXXX asked did I want to set a up a saving but she never specified that I would have to pay {$10.00} for the savings to checking transfer. I guess she was just interested in selling the banks products!! I called on XXXX XXXX and spoke with XXXX XXXX she stated that when I signed up for the savings that I had to pay for this fee. I told her that I wanted my money back she told me " no ''. I told her that she never stated anything about the fee. She then yelled at me saying, " well do you want me to refund the {$10.00} and charge you an overdraft fee of {$35.00}! '' I said, " no '' " I want you to refund my {$10.00} period! '' I said that I should go to another banking institution that is forthcoming and honest such as a credit union. She asked did I want to close my account and I told her that I will come up to the bank when I am ready. I said, " you ca n't tell me what to do. '' XXXX XXXX stated, " I can tell you what to do and in 30 days if you do not close your account with First Merit, I will close it for you! '' I then hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Simple Solutions Credit & Debt Consulting Inc.
State: MD
Product: Other financial service
Sub-product: Credit repair
Issue: Customer service/Customer relations

Complaint:
Previous [ Case number : XXXX ] XXXX XXXX lied and said I had the wrong company and I am getting all parties XXXX involved this woman lied to a federal agency and I want my money back. I am going to be in touch with President Obama 's office and the Consumer Protection Bureau to also follow up on my case. 
XXXX XXXX of Simple Credit Solutions, told me over the telephone that she could delete XXXX accounts for me for {$800.00} and she did not fulfill her obligation. Also on my previous complaint she lied to the Consumer Financial Protection Bureau and told your office she was not the creditor who they provided services for and she has also forged all documents and information about what she did for me on my credit report and no items as she promised go deleted. I am asking that the Consumer Financial Protection Burea make her pay me back my {$800.00} and impose a fine on this company for lying and falsify information saying I had the wrong company which is a complete lie. XXXX XXXX gave the same fasle information the the XXXX who does not regulate credit repair companies. Before I contact XXXX the President to get action done I want my money back. 
This company has lied to you a Federal Agency and this has gone on long enough. 
This is there information below : XXXX XXXX XXXX, XXXX Professional Speaker, Consumer Advocate and Author Simple Solutions Credit & XXXX Consulting Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX 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 2016-11-27
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Choice Recovery is reporting to XXXX that I owe them {$280.00}. I do not owe them nor have I ever owed them {$280.00}. I sent them a letter requesting a contract with my signature to pay this amount and they refused to comply. They said the debt was a debt that was transferred from a company called XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and they stated they have no record of this. If this item is not removed from my credit report immediately I am going to report this to the Ohio State Attorney General as well as file a lawsuit against Coice Recovery for defamation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NC
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-02-22
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CKS Prime Investments , LLC at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of {$9700.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX the XXXX @ XXXX XXXX, I received a text notification informing me that there was an addition of a contact to my XXXX. Immediately, in fact so quickly that I suspect that this was all automated, they sent themselves {$1000.00}. I immediately began the process of cancelling XXXX on my account. Then I called the USAA, my bank, and reported the fraudulent charge. They began an investigation the same day ( XXXX XXXX ). I worked with them to secure my account again, and they led me to the fact that they had compromised my email due to the fact that they were allowed access via an emailed code. I never found said email, but did notice that there was suspicious activity on my email. I changed the password, and have not had problems since. Furthermore, I have two factor authentication enabled on my account, but primarily through text. To my knowledge most ways of logging in prompt USAA to send me a text message. I received no texted code from USAA any time near that transaction. I called today and was told by a representative that they had found me liable for the charge. She said the reason was for multiple returned deposits, and frankly that didn't make any sense. I have not had a returned deposit anytime this year. Furthermore, I hardly use XXXX, and have never had a XXXX deposit. I have only ever sent money, a grand total of 2 times. One was a year ago, and the other was a transfer the week before for {$45.00}. Either way, what do returned deposits have to do with a fraudulent XXXX transfer out of the account for XXXX. I asked her to clarify, she put me on hold, and seemed to end the call. I called again and spoke to a more knowledgeable representative. She told me that the investigation showed as finished, but there was no liability determination made just yet. She asked me to call back on Monday, and was generally more helpful. I looked at similar cases of this happening to others, and there seems to be a trend of banks finding the victims liable. I also read that XXXX is covered by regulation e protections from other victims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written 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 2020-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XX/XX/25 I received an email indicating my credit card at BOA was closed on XX/XX/25, without any advance notice. Additionally the same day of notice XX/XX/25 I could no longer sign into my account on the merchants website. 
Due to COVID19 I have not being using the credit as that would increase debit which has a high level of risk during the pandemic as we all have risk of job loss.

BOA decides to close the account for non-usage and now that will impact my credit report and my credit score. I pride myself to maintain XXXX debt and an exceptional credit score over XXXX. However, now Im at risk due to BOAs decision to close my account.

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