BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-24
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am writing on behalf of my XXXX XXXX XXXX mother who has XXXX accounts at FirstMerit Bank in XXXX Ohio. The bank was recently acquired by XXXX Bank. XXXX sold off branches as part of the deal and any customer that supposedly had an account at a branch that was sold was being transferred to the acquiring bank which is XXXX XXXX. 
The XXXX XXXX branch was sold and my mothers accounts were included in the sale. Problem is she never opened an account at XXXX XXXX which is XXXX plus miles from her home. She was slammed into a branch that she never used I think to bolster a weak branch up for the sale and transfer to XXXX XXXX. My mother is not mobile and this puts an undue burden on her to do her banking. I and she wishes to keep her accounts at XXXX. I feel this was a sneaky and unfair, deceptive, and abusive action to benefit FirstMerit at the expense of an elderly and defenseless woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Sortis Financial, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Because I have a common last name this company calls me daily looking for an individual that is not at my residence. I have called the number they provide to have them stop and I have been advised to call a new number. This appears like a fishing call so did not pursue. Tried to ignore so they would relize it was ineffective but they have not. I shouldnt need to call a number, they should know by their records where to call. Have not done business with them, they call DAILY or close to it, for more than a year. Please make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I Was charged for {$280.00} by " XXXX XXXX XXXX '' in which I have no recollection of for such services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
this is ignoring my rights are consumer. I sent disputes due to inaccurate informations and i have no received any updates.

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 2021-03-03
Company: Premium Credit Bureau
State: NY
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:
Once i noticed the inquiries in my report i called the 3 credit bureaus and informed them that they were not mine and appeared to be fraudulent. The bureaus said that they could not remove the inquiries. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a {$4000.00} loan with Springleaf Financial Services. I applied online for the loan. I went into the company 's office to pick up the loan check and to complete the process.The loan term was to be 36 months, with a payment of {$190.00}. The loan specialist showed where they had applied several insurances unemployment, XXXX, and XXXX different accidental death. I told him I did not want the insurances. 
The worker assured me the insurance would be removed from the loan. The date of stated above loan was XXXX/XXXX/2015. According to Springleaf policy my documents would be emailed to me. I made 10 payments on time .i received {$1500.00} loan on XXXX/XXXX/2015. It was to be same 36 month term as the first loan. Payments were to be {$260.00} a month. As before I did not want the insurance. I received my payment statement for the combined loan with a balance {$12000.00}. I had only borrowed a total of {$5500.00}. I called spoke with XXXX the manager, she told me if I only made the minimum payment it would be the {$12000.00} amount. I went to their office and got the paperwork I never received. I am completely horrified at the amounts I was charged and what was added to not one loan but both! The XXXX loan I was charged {$1100.00} for insurance premium s I had declined. I only borrowed {$4000.00} but it showed I had financed {$5100.00} with pre computed interest added {$3100.00} with the loan term 42 months! This was not the amount and terms I had agreed. The 24 % APR turned out to be 28.86 %. The XXXX loan was combined and another {$2000.00} in insurance premiums added to the original {$1500.00} loan amount. The amount financed was {$7500.00} with interest {$4900.00}. The term was for 48 months This is predatory lending at its worst! I have called and spoke to several staff and managers each time I am told something different. When I said I did not want the insurance on either loans and it was only 36 months. XXXX said I could not pick the loan term duration ... Why was I asked then! The insurance premiums total the amount of {$3200.00} then with pre computed interest added to each payment, over {$5000.00} added to the original loan amount combined of {$5500.00}. I have kept my ground and when they realized I had been charged for the same type insurance twice on the last loan, they made arrangements to refund the premiums of the XXXX loan in the amount of {$2000.00}. I do not find this acceptable. I want the amount of the XXXX loan insurance premium {$1100.00} plus interest that was added to the full amount of {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home equity loan with the Pentagon Federal Credit Union that is delinquent but I was asked by a representative of their collections department to add {$70.00} to my monthly payment every month starting in XXXX which I have done. They continuously call me even on the day I make my payment to ask me when I am going to make the next payment because it is still 30 days behind. I was even told last month that the arrangement was no longer acceptable and I would have to enter into a new arrangement which I refused to do. I was told at one point by a supervisor that the person that made the arrangement was not authorized to make that arrangement with me. I have been told on numerous occasions that my home could be foreclosed on. They did modify the loan a couple of years ago because I had XXXX. And I know the expectation is that you will make your payments on time after that but on XXXX XXXX, 2014 my youngest son passed away and it took everything we could scrape together to get him buried. I told them that and offered to send them a copy of the death certificate but they continue to hound me relentlessly. I am ruffly between {$400.00} and {$500.00} dollars behind which will take approximately 6 more payments to catch up but I just ca n't take the numerous calls and the verbal beatings I get every month, all month, any more. I know I owe this money and I 'm doing all I can to pay this debt but they have harassed me to the point and with the loss of my son, XXXX I am about to crumble under this constant abuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Apartments are on my credit and transfered the account to FCO as a collection which in turn sent the file to an attorney ( which resulted to them having to dismiss the case as this is not a debt that I owe ) I called and faxed both the attorney 's office as well as FCO and they both keep referring me back to each other. I really need them to removed this from my credit as it is hurting my score and is resulting to me not qualifying for important purchases as well as increased interest rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-09
Company: Continental Finance Company, LLC
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XXXX I applied for a " VERVE '' credit card through XXXX, XXXX, MO. On XXXX/XXXX/15 an account number was given to me. On XXXX/XXXX/15 the card was activated and an upfront {$35.00} activation fee had to be paid before they would activate the card. The {$35.00} activation fee cleared my bank on XXXX/XXXX/15. On XXXX/XXXX/15 I made a {$100.00} payment on this account through my checking account but accidentally I left out XXXX number and the payment was returned. I did resubmit the payment on XXXX/XXXX/15 that cleared my bank account on XXXX/XXXX/15. My " VERVE '' credit card was placed into a revoked status on XXXX, the same day I made the payment, giving the customer service rep the corrected bank account number. I called " VERVE '' customer service on XXXX/XXXX/15 asking to explain this to me and I was told that I had to resubmit another {$100.00} payment by guaranteed funds because of the XXXX payment issue. Even though they received my XXXX payment on XXXX/XXXX/15 with a bank confirmation number, they requested another payment before my card would be re-activated. So, my account was revoked and I still have to pay the {$120.00} activation fee for a card that was used 1 time, and I only had for 2 months. This company has many bad reviews on the internet and they should be investigated for they way they conduct business. People, like myself, looking to re-establish credit do n't have many options and I feel this company takes advantage of people like me. Basically, I had to " give '' this company {$120.00} of my money and go through drama unnecessarily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I believe my loan request was denied due to my age ... ..I 've been a member for over 14+ years, and attempted to obtain a consolidation loan ... .that 's key, as I wanted to return to the XXXX ... .the reason given after being put through several loops..it was denied!! I had a home loan that was paid off early, and when I got that, I owed more ... BUT was younger ... ..I was also lied to about a freeze ... no one else had this reaponse..I checked..

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 2015-12-22
Company: Continental Finance Company, LLC
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Continental Finance -- Verve credit card Since opening the account in XXXX 2014, Continental has regularly charged late fees to my account and reported my account as late to the credit bureaus when that has not happened. Initially, issues began when the card had to be re-issued because the card had not been received. Although, I had not received the card, Continental began charging me fees on the account. Late fees on a card that I did not have! 
Since that time, I have been charged a late fee each month. This account is setup on bill pay through my financial institution. I have this account setup so that payments are received by Continental at least 2 days prior to the due date and I always pay more than the minimum amount due. My financial institution has confirmed that payments have arrived as requested each month. I have noticed that it takes Continental approximately 6 days to process my payment. According to Continental, because they have not " processed '' the payment on or before the due date -- regardless of when they receive the payment, they consider the payments to be late and as a result, they are entitled to a late fee and can -- and do -- report my payments as being " late '' although the payment was received by Continental at the address as indicated on my monthly statements BEFORE the actual due date. 
I have never heard of a company considering a payment as being late when the payment was received in their offices BEFORE the due date because it takes them so long so process the order and do not feel I should be regularly penalized for internal payment processing issues at Continental. 
Continental also charges interest on late fees ... late fees that they refuse to refund. My balance due on this account is a result of late fees and not actual purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello. 
I have a second mortgage with Indymac, but now had transferred to CIT banks ( XXXX ). I have missed a payment for XXXX, due the I was out the country. So I was tried to get current. So I have made every payment since, so in XXXX I have was tried to get current on my loan, so I made my current payment of XXXX, than {$30.00} ( XXXX ) as late fees, than {$130.00} ( XXXX ) and {$210.00} ( XXXX ) and current due payment for the XXXX {$290.00} ( XXXX ) The funds {$30.00}, {$130.00} and {$210.00} had never applied on my account even it shows in my bank statement at CIT my loan information. 
I have calculated since XXXX I have to make {$2000.00} as my due payments, but I have paid them {$2100.00} by end of XXXX. I have still own them payment for the XXXX and it 's good until XXXX XXXX. 
They are keeping tell me that I have own the XXXX payments!!! It 's poor calculation from BANK ( financial institution ), as I showed my total paid above. How can I be confident that they can even manage my account? They are still reporting that I 'm late to Credit report organizations. 
So I want them 1. Fix this problem 2. Fix my bad credit report. 
I have attached the statement as I printed from their website. As you can see funds {$30.00}, {$130.00} and {$210.00} had never applied to my account if you will look at Principal and Interest columns. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinance my home. During the signing of the paperwork found they made a mistake in the amount of escrow, paying too much. Was told that it would be corrected. It has not and I can not get the company to properly correct it after working with them for about 8 mounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I need help, I am having issues with PHEAA/FED LOAN SERV Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take out loans and even promised me internships and jobs but did not deliver. The school closed down a year after i graduated and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still trying to figure out how we ended up with multiple loans. They did not help me in anyway find work after graduation, or give me any internships either. I advised XXXX XXXXXXXX, and XXXX unregard to this but still haven't had much help. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I normally check our credit every month because my husbands job depends on our excellent credit.XXXX XXXX never submitted a bill to our insurance company for billing. This was verified by my insurance company. XXXX XXXX submitted the bill to collections and we never received a bill to our home. .They admitted that the prior billing company was negligent. This error on XXXXXXXX XXXX  part has caused our credit to drop 130 points. My husbands job is in jeopardy if this is not resolved ASAP. I have repeatedly reached out to XXXX XXXX  and have documented all communication with them. They have told me that they cant do anything until they get the records from the prior billing company that they have terminated. They said they have nothing that can help me on file, no account number or anything. So we are left at their mercy while they destroy our credit and possibly my husbands employment.

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 2021-03-03
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECMGMT SRVC is claiming that I owe them {$110.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2017-01-24
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, SHOWS ACCOUNT IN COLLECTIONS AS OF XX/XX/XXXX FOR {$140.00} AND ANOTHER FOR {$32.00} DATING BACK TO XX/XX/XXXX. BOTH ACCOUNTS WERE PAID AND I RECEIVED A LETTER FROM THIS OFFICE STATING SOMEONE HAD HACKED INTO THIS DOCTOR 'S PATIENT MEDICAL RECORDS. I REQUESTED THE XXXX REPORT FOR FREE DUE TO THIS WARNING, AND IT SHOWS, BOTH THOSE AMOUNTS ARE STILL OUTSTANDING. PLEASE HAVE XXXX OFFICE REMOVE THESE XXXX CHARGES!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/21, Experian reported a spurious 25 point drop in my credit score for no apparent reason. All of my credit card balances are XXXX. My auto loan is paid on time by auto debit. This credit score drop is not consistent with XXXX or XXXX. There should not be huge discrepancies in credit scores among the 3 credit reporting bureaus when analyzing the same financial data from a consumers file. I attempted to contact Experian with no success.

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 2015-08-20
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
received an offer that states 0 % apr for XXXX months then XXXX-19.99 % therafter/offer also states introductory rate on balance transfers applies through the end of the XXXX m, onthly billing cycle after the account is opened for all balance transfers requested within 60 days of account opening. Just opened the account last week called to do a balance transfer and was advised the rate was XXXX and then information that was sent to me was a misprint-that appears to be illegal to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.

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 2021-03-03
Company: EQUIFAX, INC.
State: AL
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 have several disputes of a chapter XXXX on my credit file. I disputed and ask EQUIFAX to renivestigate and provide me with proof this public record belongs to me, and who is the furnishing the information. EQUIFAX is giving no proof of investigation!! XXXX is just reporting it was investigated with no proof of where the information is coming from.

Company response to consumer: Closed with explanation