BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-25
Company: Nationwide Intermediary Services llc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i received a call on XXXX/XXXX/XXXX from a guy by the name of XXXX XXXX stating he was from Nationwide Intermediary Services. he was looking for my ex wife. I told him I did n't have any way of contacting her, he stated she took a loan out on XXXX of XXXX said my name and SS # was also on it and that I was responsible for the debt. I told him that I knew nothing about this and I was not responsible for this debt. XXXX states that I was responsible for it since my name was on it. I once more told him I did n't sign for any loan and I would n't be held responsible for something I did n't do. then he goes to telling me it was in the amount of {$3900.00}, and that with all the charges on it ended up being {$6200.00}. but if I paid it on that day or before XXXX XXXX it would not go against my credit score. then he said I could give him a credit card number are he preferred a debit card that I could pay it off for only {$1500.00} by that afternoon. I told him this is a SCAM! he states no its not they will garnish your wages and revoke your drivers license if this is n't paid. I told him send me an email let me look at it. he then sends me an email and called me back again asking if I was ready to send the payment? I told him I would send a money order or a cashiers check to him.. he states o we cant accept that only credit card or preferred debit card. I pretty much told him to XXXX off. after checking with XXXX of NY they stating this is a scam. also read online other have also been scammed by these people. the number used to call me was ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
There are errors in this accounts. Status states paid account and it's written off, so how is it still late? Please provide method of verification and physical verification validation of debt for this account. Also, original instrument of indebtedness. This is information is not accurate and they are in violation of my rights. 


CAPITAL ONE BANK XXXX  N # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased my vehicle from Credit Acceptance Corporation in XXXX 2013. I recently fell behind on my payments by 45 days. On XXXX XXXX around XXXX XXXX XXXX. they repossessed my vehicle. I was supposed to be notified by letter 24 hours prior to this according to NY State law. The person who picked up my vehicle said to give him a call when I paid and I could pick it up after the loan company sent a release. I called Credit Acceptance immediately and was told I owed {$670.00} ( XXXX payments plus late fees ) I made and arrangement to pay on XXXX XXXX, which I did ( less than 48 hours later ). I was told by the loan company that I could pick up my vehicle and to call the towing company to make arrangements. When I called I was told that my vehicle had been picked up by the auction company that morning. I made 5 more calls to Credit Acceptance on Friday trying to locate my vehicle. I was first told it was n't at the auction house yet. I requested an address, which they said they could not give me. I was then told they could not contact them and Someone would call me back, which they never did.. Finally I was told that they were closed for the day and to call back Monday. I called 3 times Monday XXXX, XXXX, and XXXX XXXX finally getting my vehicle released. I was told it was now in XXXX, NY ( XXXX miles away ). I made arrangements to pick it up Wednesday XXXX. I was told that the plates had been removed and to contact the towing company in XXXX, NY. My issue is that I had to make a total of 13 phone calls, I was charged {$40.00} to get my plates and personal effects back from the towing company. I now have to take an afternoon off work to travel to XXXX, incur fuel and toll charges AND I was charged an additions {$85.00} by my loan company for transportation.

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 2022-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I got a call from ( a XXXX Area code number ) my electricity company ( XXXX XXXX XXXX ) the recoding stated that it was them and to talk to a representative press # 1. I pressed # 1 and they told me that my account was past due and I needed to pay ASAP before someone gets to my address ( which they said ) and cuts my electricity off they said someone was already on there way and I needed to send the money Now so me thinking about my family 4 kids and 2 under 2yrs I sent the money right away. Once I sent it and hung up the phone I called by electricity company scared that they were going to cut off my power and the representative proceeded to tell me that it wasnt them. I got on the phone with my bank made 3 different claims with Wells Fargo and at first when I called I told them everything so it had turned out when I called on XX/XX/XXXX they had to re do the claim because it was done wrong so XXXX helped and re did my claim. So I called back on XX/XX/XXXX and the representative from Wells Fargo tells me that they denied my claim and I have to deal with it in small claims I asked the representative to transfer me to a supervisor then she filed an investigation and told me someone would call me back and talk to me and no one ever did so I called today and I was on the phone for more than three hours being bounced back and forth to different departments and somebody that I talk to in the claims department told me I was wasting my time and that I wasnt gon na get anything so I asked her if I can talk to a supervisor and the supervisor told me that theres nothing that Wellsfargo can do even though I was scammed and forced to send this money. I do have all my claim and police report number and report number with XXXX  its self.

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 2022-01-27
Company: U.S. Auto Sales Inc.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
US Auto Sales is attempting to collect a debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692 gXXXX Letter was received via certified mail on the XXXX of XXXX and signed by XXXX XXXX and the 30 day time frame has expired. Still no correspondence. I also requested them to cease and desist all communications but have received emails as well as spoke with their agents who have still continued to take money from me after I told them to cease and desist all communication. 

XX/XX/2022 spoke with agent XXXX, not sure if her name is spelled correctly. When I asked her to verify how to spell her name, she hung up on me. Called right back and spoke with XXXX, who took a payment of {$47.00}. XX/XX/2022 spoke with XXXX who did not take a payment but had to send a code to my vehicle for me to be able to drive it after I requested it be taken off of my vehicle while this investigation is going on. Then on XX/XX/2022, spoke with XXXX XXXX who took a {$20.00} payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Fairway Independent Mortgage Corporation
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In early XX/XX/2020, I began to work with XXXX XXXX from XXXX XXXX. 

I was suspicious that XXXX was charging me more than he'd stated during our phone conversations. 

When I went to the closing at XXXX XXXX XXXX here in XXXX, I noted several inaccuracies on the form. When I called XXXX he suggested that I just sign the paperwork ... '' those things don't matter '' ... .. '' that's not the real cost ''. 

I opted NOT to sign the paperwork. XXXX subsequently stated that he fixed the errors and sent a closing agent to my home at 2200hrs that night ... MUCH to My CHAGRIN!

I signed the closing paperwork under duress ... knowing that I had a 3 d right of refusal/the closing agent. 

The next morning I did due diligence and both faxed and emailed the right of cancellation to XXXX XXXX and Fairway. They chose to ignore my right of cancellation. 

PC to Mr. XXXX : " What do you think this is going to do to us XXXX? '' What do Want XXXX ... .Do you need attention XXXX , Is that what you want XXXX Attention ? ". At that point, I told XXXX that no one had the right to speak to me that way and I hung up the phone. 

XXXX XXXX has contacted me several times and attempted to " bully '' me into agreeing to stay with Fairway ... .I simply said NO ... what you've done is ILLEGAL. 

Fairway has continued to send me mortgage bills ... despite not having a legal document stating that I owe them anything. 

They have adversely affected my credit rating. XXXX has told me that I can't obtain another mortgage company for 9 months because they funded my mortgage ... .Illegally. 

Mortgage rates are in the mid 2 's currently. I refuse to stay with a company that's this corrupt. 

I would like to respectfully request that my entire mortgage be forgiven. Fairway is CORRUPT. They acknowledge that they've broken a Federal Law.

Thank You for your time and for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: HireRight Solutions, Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I was going through the hiring process at a recruitment firm and they were doing the background check through HireRight. HireRight reported that my Social Security Number ( SSN ) was issued between XXXX and that they issued a warning about it. I went to the Social Security Administration twice to confirm that they had issued me the correct SSN number and they stated that it was issued in XX/XX/XXXX. I tried to speak to HireRight about this to no avail and also sent them documents from the SSN Administration officej but that did me no good. The company ended up pulling my offer and said that they could n't hire me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX of 2020, I contact XXXX XXXX XXXX XXXX for {$150.00} to be taken off my debit card that has been linked to my checking with Bank of America.. I have a consistent habit of checking my account on a daily and weekly basis since I'm paid from my job on a weekly basis.. I also did a business transaction with XXXX XXXX XXXX XXXX on XX/XX/XXXX fort the amount of XXXX.. On XX/XX/XXXX, I was getting ready to pay on a bill. When I noticed my previous account was over drawn that was closed out for XXXX.. 

Bank of America did not notify me about the transaction.. I went to XXXX XXXX XXXX XXXX in person and talked with the office manager, XXXX.. I also called Bank of America in front of XXXX 's presence.. I had a Bank of America agent on speaker phone.. Bank of America agent tried to tell XXXX the office manager for XXXX XXXX XXXX XXXX, it was on their end.. XXXX was very frank and advised Bank of America, they don't hold transactions..XXXX advised Bank of America, once they run a transaction , they run a transaction and the rest is on the bank ... XXXX had to tend to other customers.. I left XXXX XXXX XXXX XXXX and told the Bank of America agent I wanted to have a word with her supervisor for my account to be closed through no fault of my own..

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 2016-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 ; 60 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: ZWICKER & ASSOCIATES
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Zwicker and Associates did not follow the proper procedures before placing the garnishment on my checking account and they refuse to allow me to remedy the situation. I called several times to try to come to a settlement or set up payment arrangements, to no avail. I should have had notice of the garnishment and judgment filed against me, but I did not. 

I was never notified of the garnishment by this agency. Instead, I was taken by surprise when I tried to access my accounts at my bank. I was originally summoned to appear in court in XXXX 2016. However, I was not able to appear in court because of recently having had a baby XXXX the week before. 

This agency has refused to allow me to make payment arrangements and as a result, the judgment and the surprise of this garnishment places an undue burden on my household and puts my job at risk. I have XXXX children, have to pay daycare, and most importantly - I have to keep my job so I can pay rent. I am experiencing financial hardship as a result of this garnishment and this agency refuses to show remorse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I just want to know who regulates the credit bureaus? There are too many discrepancies going on all the time. Too many mistakes. I do n't trust them.

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 2016-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've disputed a tax lien that was placed on all of my credit reports. Submitted the police report number and letter of expungement from the state of XXXX. It 's also on case.net as being expunged. It was originally placed due to identity theft. XXXX removed it immediately. Transunion and XXXX refuse to remove the item. They are instead, reporting it as paid. I 've made the dispute with each five times now. Besides, how can I have a tax lien on a property I do n't own in a state I do n't live in? I am from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Square Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I tried using my Cash App debit card to make a purchase at XXXX. The transaction was declined, but the amount was removed from my Cash App balance anyway ( minus a 10 % " boost '' ). Basically, I should have {$65.00} more in my Cash App balance than I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.

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 2022-01-27
Company: Lending Club Corp
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, LendingClub Bank, banking partner of XXXX XXXX, suspended my account, demanding an external investment account statement ( from an account that doesn't provide statements ), info regarding my recent debit card transactions, and a copy of my XXXX Tax return. The freeze caused two returned ach deposits at different institutions that were in transit to the account before the account was frozen, hurting my relationship ( and causing another freeze at a different bank, where I have to explain why the ACH was returned ). 

Paradoxically, the reason for the freeze and intrusive investigation is a result of LendingClub/XXXX " taking my security and privacy seriously. '' I can't reach them via phone as they're always " helping other customers '', and their email support is unresponsive, despite the 24 hour SLA. I reached out by email at XX/XX/XXXX XXXX XXXX XXXX, and I haven't heard back yet. I'm hoping that by filing this complaint, LendingClub/XXXX can institute an actual customer support channel, and in addition, will close my account+return my funds promptly to the address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in a forbearance plan, with PHH MORTGAGE due to XXXX. I paid my past due in full, by the agreed upon date. I called in to the customer service to let them know, I was ready to come off the plan, and make the payment. They asked for my permission to make the withdrawal, and I agreed. Less than a week later, they made another withdrawal, without my consent! I called back to speak an account manager, and he stated, he was not sure how it happen. I also said it would take a few days for me to get me money refunded back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX, 2016 To whom it may concern : I submitted a complaint to all three credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 
I have attached my follow up letter to TransUnion for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2017-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Wrong address, I have been at the same address for 45 years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX I have never lived at XXXX XXXX XXXX XXXX Il XXXX, however my soon to be X HUSBAND lives there with his girlfriend. How did this address change?

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 2016-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion continues to report 1 inaccurate late pay of my student loan account on my credit file that stats 90-120 days late. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately or i will be forced to take Transunion to small claims court for unspecified damages because they are inaccurately reporting on my credit report.

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 2020-08-11
Company: MARINER FINANCE, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened with Mariner Finance as a result of identity theft. In addition, I have contacted Mariner Finance and provided a police report, identity theft complaint, and an affidavit provided by Mariner Finance and have not received any updates as to the deletion of this 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