BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo sent a letter stating they owe me {$150.00} but never send check-I 've called 5 times.

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 2016-01-29
Company: Paypal Holdings, Inc
State: PA
Product: Credit card
Issue: Late fee

Complaint:
I have been having statement issues with paypal credit which I tried reaching out to them regarding but no resolution. I was charged a late fee in XX/XX/XXXX and a late fee in XX/XX/XXXX. I have since made the pmts due online. I called today and explained the situation. One of their reps offered to reverse the late fees but said the system would not allow them to put the reversal through. She contacted a supervisor who she claims also tried but again the system keeps kicking them out. I find this very difficult to believe. In the interest of good customer relations and in this age of technology, how is this possible? This is the same company who placed a hold on my account for months for no reason at all and I never complained.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter on XXXX XXXX the company has failed to validate my debt. Instead they sent a list of medical records and procedures which I know is direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I'm requesting to please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: ENCORE CAPITAL GROUP INC.
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:
I am filing a complaint against Midland Funding for an account that they are reporting on my Credit Reports. I have been disputing the Validity and Accuracy of this account for several months and not only have they failed to correct the errors or provide proper verification that this is my account ; they have added this account back to my credit report without any notification and they've recently added the same account with a new account number to my credit report. Also, the Original Creditor that they are listing isn't even on my credit report. I am preparing to purchase a home and their actions will make it difficult, especially now that they are being malicious by adding another account, reporting this collection account as current and continuing to report false information. 

My Name is : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Company the complaint is against : Midland Funding Account # : XXXX New Account # Recently Added : XXXX I have included : - Screenshots of the information being reported on my Credit Reports ( As of XX/XX/2020 ) - Letters that I have written to XXXX, XXXX and XXXX  ( Dated XX/XX/2020 ) - Letters that I have written to XXXX, XXXX and XXXX  ( Mailed XX/XX/2020 ) - Letter to Midland Funding ( Dated XX/XX/2020 ) - Letter to Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) Thank you in advance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. XXXX Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX Apartment not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I disputed an unauthorized charge of {$1100.00}, prior to this charge my card balance was $ XXXX.with a {$750.00} limit and my credit score was XXXX The very next day on XX/XX/21, XXXX XXXX through XXXX XXXX XXXX wrongly reported my card balance at {$1400.00}, placing me over the limit a few days later my credit score dropped to XXXX. What is also suspicious to note. This account is always reported on the XX/XX/XXXX of each month, why would XXXX XXXX report almost 2 weeks early? 

I contacted XXXX on XX/XX/21 and was told the {$1100.00} unauthorized charge is still being investigated and no one could answer why it was reported to the credit bureaus and why reported early. 

This is a reckless violation of the FCBA, the FCRA and numerous State of Michigan consumer protection laws. Further, I believe XXXX deliberately reported the inaccurate balance I applied for a PPP loan through the Relief bill for {$170000.00} to save XXXX XXXX XXXX and received a call today that I was denied in large part due to the most recent negative furnishing. The loan officer said I needed a score above XXXX and the over limit that was recently reported was significant. I will now likely have to dissolve that 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 2017-04-09
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Medical debt of my minor son is his father who 's guarantor of his health insurance. I never received any medical bill from dr

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Rauch-Milliken International, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
To the XXXX, I would like to make you aware of a situation involving the company XXXX. I had a membership agreement with them from XX/XX/XXXX - XX/XX/XXXX. I am a small business of one, I am XXXX years old, and I have never dealt with such a terrible company. 

I was under the impression that I was signing an agreement with a moral, righteous corporation. One which preaches " community '' and praises young entrepreneurs. I was sorely mistaken. 

When COVID-19 first hit MA ( where I reside ), a majority of my membership agreements were put on hold ( gym, et cetera ) due to the MANDATORY stay at home order from XX/XX/XXXX - XX/XX/XXXX. XXXX continued to charge me and thousands upon thousands of members although I could not LEGALLY go into my office and use their services. I asked them to pause my membership until I could LEGALLY go back into my office. XXXX refused. In fact, they didn't give me any reasonable concessions. The pandemic continued, and I as well as millions of small business owners were continually charged. I had to put a stop payment with my bank. 

It is worth noting that I filed a complaint with the Massachusetts Attorney General. The AG 'S office reached out to XXXX on my behalf, and they did not respond. 

Fast forward to XX/XX/XXXX, and they have now sent my debt to collections. The collections agency, named Rauch-Milliken International , Inc., has threatened to seize assets ( of which I have none, I am a XXXX-year-old rentee ), threatened lawsuits, and made me feel extremely uncomfortable, stressed, and freaked out in an already increasingly stressful situation with COVID-19. You have no idea what kind of additional pressure I feel. 

I'm not sure what can be done here, but the AG 's office instructed me to file a complaint with your office. 

Here is some literature on XXXX as of XXXX which is worth noting : https : XXXX https : XXXX It is not just me. It is many, many Americans and I'm sure international members that are feeling pressured, threatened, and intimidated by a multi-billion dollar company to pay rent in a global pandemic. It's also worth pointing out that XXXX, themselves, has not paid rent at some of their offices. 

I will attach the correspondence from the debt collectors below. 

I hope to hear back from you. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is my second complaint/dispute please see complaint # XXXX. 
Basically I was in negotations with XXXX regarding their proposed settlement. 
While negotations they were still reporting late payments to my credit report. Further I have disputed these several times. Experian shows late payments XXXX / XXXX / XX/XX/XXXX / XXXX / XXXX / XXXX 2016. Transunion shows late payments XXXX / XXXX / XX/XX/XXXX XXXX XXXX 2016. 
disputes XXXX file XXXX dtd XXXX/XXXX/2016 / XXXX file XXXX XXXX XXXX/XXXX/2016 / XXXX file XXXX XXXX XXXX/XXXX/2016 XXXX file XXXX XXXX XXXX/XXXX/2016 XXXX XXXX report XXXX XXXX XXXX/XXXX/2016 / report XXXX XXXX XXXX/XXXX/2016 / faxed XXXX/XXXX/2016 / mailed XXXX/XXXX/2016 / plus additionally XXXX others

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 2021-01-11
Company: SN SERVICING CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage servicer SN Servicing Corporation has denied the review of Mortgage Assistance for XXXX XXXX XXXX. SN Servicing Corporation states that investor will not review XXXX XXXX XXXX for any loss mitigation assistance. However, no reason or written statement has been provided detailing the specific reason nor has any evidence been provided from Servicer, SN Servicing Corporation, that the note owner has approved this course of action. 

SN Servicing Corporation stated that they would attempt to provide assistance and review any Loss Mitigation Assistance options to prevent foreclosure. 

Despite being provided with an Offer to purchase property at fair market value, SN Servicing Corporation has instead set a sale date of XX/XX/XXXX. SN Servicing Corporation plans on proceeding with the foreclosure sale, rather than review our RMA application and or the offer for purchase. 

The actions of SN Servicing Corporation are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, SN Servicing Corporation violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX by not accepting said RMA application. 

SN Servicing Corporation stated that XXXX XXXX XXXX would be considered and eligible for a COVID-19 Forbearance plan and that XXXX XXXX XXXX would be entered into the plan on XX/XX/XXXX and payments as well as any foreclosure activity would be placed on hold. Instead XXXX XXXX XXXX received a notice of foreclosure sale scheduled for XX/XX/XXXX at XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is a clear example of the term Bait and Switch and consistent with the prohibited practice of Dual Tracking. 

SN Servicing Corporation violates the Governors Executive Order No. 20-04-03-01, this order remains in effect until the state of emergency is terminated and the health emergency rescinded. 

SN Servicing Corporation practices violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$4800.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I had insurance coverage at the time and went to an in-network provider. This charge is in error and was covered. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-17
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I just got a settlement check from XXXX XXXX XXXX  and I think I am being charged a high interest.

Company response to consumer: Untimely response
Consumer complaint received 2015-10-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had an online checking account with Ally Bank since XX/XX/XXXX. I never opted in to overdraft protection with them, nor did I agree in writing or verbally to allow the bank to pay overdrafts on my account. At the time I opened my account with Ally the bank 's overdraft fee was {$9.00}. 

On XX/XX/XXXX, a merchant erroneously charged my checking account {$84.00} via an Internet transaction. I had {$23.00} in my account at the time. Despite my never authorizing it to do so, Ally paid the debit and charged me a {$25.00} overdraft fee, nearly triple the amount to which I had agreed when I opened the account. I called the bank and the representative told me payment of the item was at the " bank 's discretion. '' According to my understanding of the law, that is not the case because I never authorized it to pay transactions that overdraw my account. I also asked why the fee was {$25.00} versus {$9.00}. The woman stated that the bank increased the fee in XX/XX/XXXX and had sent a letter notifying me. Despite the fact that I have received every single statement the bank has ever sent me, that letter mysteriously did not arrive. Nor did I receive anything via electronic mail. 

I have resolved the issue with the merchant in this case, who was completely at fault. However, the issue of why Ally paid this amount and charged me a fee is not resolved. I do not want the bank to accept transactions that overdraw my account and then charge me a fee, nor did I authorize it to do so. I was illegally charged hundreds of dollars in fees by XXXX and received a {$3.00} check after it settled its class action suit for what amounted to chump change. I vowed at that time never to be victimized in the same way again. Yet here we are. 

In addition to the fact that Ally should not have allowed this transaction, I was also not notified that it had gone through. The bank is required by law to tell me about all overdrafts and fees so I can take appropriate action if need be. Had I not on a whim checked my account this transaction would have stayed there until my next statement, at which time the account would have been overdrawn for & gt ; 10 days. According the the bank 's representative, allowing the account to be overdrawn for that amount of time -- even though it never notified me and it was the merchants fault, could have resulted in the overdraft activity being reported to XXXX and also negatively impacted my ability to conduct certain types of business with the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX2020 an unauthorized transfer of {$4700.00} was taken from my Capital One Savings account by someone that I do not know. It was transferred to XXXXXXXX XXXX. I have never had an account at XXXXXXXX XXXX and did not create this external account. Capital One refuses to reimburse me because they say I participated by allowing remote access to my computer. I did not knowingly or willingly participate in this transfer of my funds or authorize any access to my bank information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was sued and placed in collections with this company but the case was dismissed. Please remove XXXX XXXX charge off and XXXX Collections from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have had a Cashapp debit card since 2016. Unfortunately for the past XXXX months I XXXXhave been charged a {$3.00} fee every week. When I call the company they can not explain what this fee is for., and tell me that a representative will get back to me and no phone call. I need your assistance to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Strategic Alliances, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a packet of papers from the company First Financial Asset MGMT. Inc. ( FFAM ), dated XX/XX/XXXX, stated that I took out a loan for {$2500.00} under the creditor XX/XX/XXXX When I called and asked what the company is known for XXXX XXXX XXXX, they stated they are a company that gives out vacation loans. I have never took out a loan for anything but school and my car. They stated one payment was made for {$280.00} when they loan was request in XX/XX/XXXX but it was not my credit card number. They have no proof of a contract or anything signed to allow my permission. I now have a past due bill in collections currently dropping my credit score for something I did not purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested proof of this debt with a signature and they did not forward any information. A print out does not validate and there are several XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
HAVE BEEN AN ACTIVE MEMBER OF TRANSUNION INTERACTIVE INC. FOR OVER A YEAR AND HAVE USED THE SERVICE TO MAKE FINANCIAL DECISIONS. INFORMATION GIVEN THROUGH THIS COMPANY IS INACCURATE AND COULD NOT GAIN RESOLUTION OVER THE PHONE. ASSOCIATES REFUSE TO ANSWER QUESTIONS REGARDING INFORMATION DISCREPANCIES. I HAVE MADE FINANCIAL DECISIONS BASED ON THE INFORMATION PROVIDED BY TRANSUNION INTERACTIVE INC WHICH HAVE FURTHERED HARMED MY CREDIT AS WELL AS CHARGED ME {$17.00} MONTHLY AS WELL AS ON SEVERAL OTHER OCCASIONS FOR MISINFORMATION. I HAVE MADE SEVERAL ATTEMPTS TO HAVE MY INFORMATION REFLECT ACCURATELY BUT WITH NO SUCCESS. I THEN REQUESTED A FULL REFUND BUT I WAS TRANSFERRED SEVERAL TIMES WITH OUT BEING GIVEN PROPER GUIDANCE OR SERVICE. THIS MATTER REMAINS UNSOLVED AS I CAN NOT SPEAK TO ANYONE THAT WILL HELP. I AM SEEKING A FULL REFUND OF ALL MONEYS PAYED I INTO TRANSUNION INTERACTIVE INC IN THE TOTAL AMOUNT OF {$310.00}.

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 explanation
Consumer complaint received 2016-11-02
Company: ALLY FINANCIAL INC.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I contacted Ally about my auto loan being rewritten. At that time I was informed if I rewrote the loan my next payment would not be due until XX/XX/XXXX. I received no collection calls. Therefore I was under the impression that my loan was in a rewrite status. Ally reported my payment as late while they rewrote the loan, requested info from me by XXXX, and completed the loan process. When all was finalized I found out the credit reports were made.

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