BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: National Credit Adjusters, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I worked with XXXX and the debt collector my account was sent to ( national credit adjuster ). But my complaint isnt about them but about a call from a number who refused to all identify their self. The number is XXXX ( XXXX ) XXXX. They said theyd have to collect upwards of XXXX bucks and if i didnt comply then i can be sued by XXXX and have lien placed on my vehicle. Luckily, I am diligent enough to do research before making any payments and I called XXXX which directed me to National Credit adjuster, who i made arrangements with for payment. They did inform me that it might have been an attempt to scam me. I am not sure if this process is the way to go, but I dont want any being defrauded by crooks like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: MARINER FINANCE, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a title loan in XXXX 2014 for {$5700.00}. I asked that night of signing the contract how the payoff process works and was told to just " pay off as much as you can ''. I was unsure of the principal balance and payoff balance but they insisted that it was the same. There was no explanation. I 've asked for a settlement after paying over {$7000.00} to them already and I 've lost my job and can not work right now due to medical reasons. I 'm considering bankruptcy if loanmart does not offer a settlement offer I can afford. I got the vehicle appraised for {$2000.00} and showed them the paperwork and pictures but they still refused and want {$4000.00}. I 've filed a complaint through the XXXX as well and their response was that they would be willing to negotiate the settlement offer of {$4000.00} or lower my interest. I can not afford to continue to make monthly payments so I refused the lower interest option. They stated in their response that they would negotiate the {$4000.00} but whenever I call the number they list, I 'm refused a negotiation and say they will not go lower than {$4000.00}. Why does loanmart state in their public response that they will negotiate the offer but in reality when I call they become rude and unwilling to negotiate. I spoke with multiple supervisors and the manager will not return your call for months unless you call them and demand them to speak with manager. They even wrote on their XXXX repsonse that I refused to leave the manager a voicemail once, but they did n't mention the fact that I had already left the manager a message multiple times before with no repsonse, that 's why I refused to leave ANOTHER pointless message. I also spoke with my account manager XXXX regarding my debt owed on XXXX XXXX, and he became very rude and started threatening me that even if I filed for bankruptcy, they will still come after me for the balance I owed and rudely hung up on me after further stating that he was going to proceed with legal matters. This information he gave me is false, I spoke with my bankruptcy lawyer already and he said XXXX is not allowed to threaten me regarding the debt I owed in this manner. I 've already gone through the XXXX and loanmart responds with false actions. I want to settle my loan with them honestly but am being lied to and treated unfairly through this process. I feel like I was led into a trap by signing this loan with unclear explanations and now can not escape this loan. I 've raised my settlement offer to {$3000.00} by borrowing money from family but that is the most I can borrow for this settlement but loanmart still wants more. My credit is already ruined and I do n't know what loanmart wants me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Had home mortgage through US Bank. Wife got injured on job in XX/XX/2014, could n't make house payments. Tried selling house since then. Found job in another state and had to up and move for better job. Have been trying to do short sale since XX/XX/2014, with US Bank giving us the run around ( never calling us, never telling us the short sale expired ) and this has been going on from XX/XX/2014 to now. We 've actually had to let buyers go several times because US Bank has been dragging their feet on the short sale. As a matter of fact, we now have an offer again on the house but our realtor ca n't do anything because US Bank is saying once again that our application has expired so we are in the process of starting over again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My complaint is that Trans Union will not remove the bankruptcy off of my credit report 6 months before they claim it is supposed to come off my report-that is it! 
Trans Union came back with something about about how they do n't control my credit score etc, etc. 
The bankruptcy has been on my credit report for 10 years removing it 6 months before Trans Union claims is when it is supposed to come off should not be a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled a tri-merged credit report and all the bureaus report a debt from XXXX XXXX XXXX collection company on behalf of XXXX for {$170.00}. I do not recognize this debt and want verification. I was unable to dispute this debt online directly with the bureaus. I tried to obtained a copy of my reports directly with each report agency and 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 2015-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
On XXXX XXXX, 2015 at XXXX PDT I called Transunion 's credit fraud department to request a credit freeze on my account because of the recently announced XXXX cyber breach. I was given a file number, processed a credit freeze claim and issued them my personally selected PIN number. I was told by their representative that I would receive a written confirmation in the mail within XXXX to XXXX business days. Having not received that within that allotted timeframe I called today ( XXXX XXXX, 2015 at XXXX ) and was told by a Transunion representative that NO credit freeze had been applied on XXXX XXXX or any other date!!!! They completely XXXX this up and left me exposed to potential credit and I.D . theft for over XXXX weeks because of their incompetence and negligence. Besides wasting over XXXX minutes of time on hold, dropped calls, mis-directed transfers, and representatives that did not respond to my requests, I still have no satisfactory explanation why my request for a freeze was not processed in a timely manner, again exposing me to fraud. This is NOT acceptable and I would like an investigation launched and formal complaint filed against this company. After all, their core competency is CREDIT reporting, managing, monitoring, and they ca n't even do that properly. This company has shown blinding incompetence and neglect and they must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have written documentation from XXXX University that account with them should not be reported as charge off and bad debt.. I sent that information to CFPB on XXXX/XXXX/2015 by mail to you, however I did n't put complaint number or mailing. If necessary I can resend information. Transunion can contact XXXX University directly or CFPB can contact XXXX University Financial Department. XXXX XXXX XXXX - Business Office/Financial Aid XXXX University XXXX XXXX XXXX. XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: National Principal Group, LLC
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX from NP Group called me today XXXX/XXXX/XXXX. she claimed i had up to {$3000.00} from loans that i have not take. she claims that money was deposited into my XXXX XXXX account ending in XXXX multiple times. XXXX she claimed on XXXX/XXXX/XXXX and XXXX in XXXX XXXX. I got in contact with the bank and verified that was my account at the time and had them email me the statements from XXXX XXXX to XXXX XXXX there are no deposits from the companies she claimed i took loans out with. She did not identify as a debt collector. The only payday loan i have taken online i have paid back in full. These supposed payday loans are not on my credit report either. this is the first i have heard about these so called loans. XXXX XXXX told me to go to XXXX ( already a red flag for the site ) and gave me XXXX numbers to look up, XXXX the info on their site has XXXX numbers that pull up no info. only XXXX of the supposed loans are in the time frame of the bank account being opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COMPANY NAME : UNITED COLLECTION BUREAU , INC XXXX XXXX XXXX # XXXX XXXX, OHXXXX ... ... .SETTLEMENT PLAN OPTIONS ... .. 
OPTION 1. {$1000.00} I CHOSEN OPTION 2 OPTION 2. {$1100.00} INSTELLMENT PAYMENT EVERY XXXX OF THIS MONTH AND PAY FOR TOTAL 6 MONTHS ( {$1000.00} ) I START PAYING 1. XX/XX/21 -- {$200.00} 2. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} -- PAID 3. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} plus {$4.00} -- PAID but I cancelled regarding {$4.00} that is protection plan they said it is not necessary after that they didn't charged XXXX payment intentionally I do not know why and I find that out XXXXbecause I must pay XXXX installment and I called them why did not charged? AT THAT TIME I PUT THEM INTHE MY DEBIT CARD NUMBER and I got the credit for {$4.00} to my bank account 4. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- - $ XXXX-PAID after XXXX paid I find that out the my credit report the debit amount it suddenly JUMP UP TO {$1700.00} I'm very frustrated and called them why you guys not lying? but they did not listen at all after I mailed documents what is going on but never listen and pay {$1700.00} because I missed XXXX payment but I do not missed if I missed how can I pay XXXX payment? they do not charged intentionally and now they just changed collection company I got the new collection company and they said pay? XXXX the new collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX so please help me out still they call me every twice a day I can not sleep, eat, anything because of that. please solve the problem THANK YOU VERY MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: LoanCare, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a 30 day delinquency report on my credit and when I look at my account online, the information is incorrect.

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 2016-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given to me which is a violation and I am requesting that ALL inquiries be removed.

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 2022-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Notification of Sale of Motor Vehicle was signed for {$43000.00} by Buyer ( me ) and Seller ( XXXX XXXX XXXX XXXX ) with Wells Fargo listed as lienholder. 

Loan paperwork later received from Wells Fargo showing " additional products '' from XXXX XXXX totaling {$7600.00} These additional products were not disclosed in the Notification of Sale of Motor Vehicle, or any other paperwork signed at the time of purchase. Nor were they disclosed or discussed in any other manner at the time.

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 2016-02-23
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a voice mail from a company claiming to be Advance America collecting on a Payday Loan I had taken out in 2013. I called the company back and they told me they had a warrant for my arrest, that they were coming to my job and my house to take me to jail. I knew it was against the law to do this, and so I called a few more times to obtain the agency 's name. One lady screamed at me stating " How dare I call her job and demand that information. '' I finally got in touch with a woman who stated the company 's name was the Law Offices of XXXX and XXXX. I looked up this name and there is no such company. The company then would not pick up the phone and their voicemail says they are XXXX county collection services '' or some nonsense like that. These people threatened me and it is n't right or lawful. Advance America states they are not in anyway affiliated with these people and that my debt had been forwarded to XXXX XXXX.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX | XXXX XXXX NA 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 an 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 explanation
Consumer complaint received 2016-11-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I have been a member to USAA since 2004. 
today I have auto insurance again with USAA. However the problem seems to be with the USAA credit debt collection department. Because, I have entered into a Debt Relief program with the National Debt Relief, a USAA credit debt collection agent called me and stated that as a result of me haven joined a Debt Relief program, the credit card department will be obligated to cancel my auto insurance, if I do n't make payments to my credit card. Today I spoke directly with the USAA auto insurance department, and they said, that no other department from USAA or any credit card, has the right to stop my auto insurance. So my question is, why was the USAA debt collector agent giving me false information about the outcome of me being in a debt relief program? USAA should not have the right to retaliate against my auto insurance policy. I also spoke with the USAA Credit Card department and they forwarded me directly to the MasterCard debt collection company and they as well stated that, no such thing can be done by a credit card company ... that whoever said that, is giving you misleading information. 

I here by call on a complaint against USAA Debt Collection department for giving false information about the life or extend of my auto insurance just for being in a debt relief program. 

As of today, all my auto insurance quotes have been paid. So I have no idea why USAA wants to retaliate against my auto insurance, when that is in good standing. 

thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$290.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

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 2020-04-18
Company: Experian Information Solutions Inc.
State: CT
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:
inquiry show up on my credit from this company. I try getting in contact with this company and they refuse to remove the inquiry from my credit

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 2016-04-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
USAA Savings Bank, XXXX XXXX XXXX, XXXX XXXX, NV XXXX sent me an application for A XXXX USAA credit card. I filled out the information that they requested and mailed it back to them. On XXXX XXXX, 2016 I received a decision to decline my application which was purely pretext and false in XXXX of the reasons they used to decline my application including the credit score they listed. I believe I was declined because of my age and not the reasons that they listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX. XXXX XXXXXXXX XXXX XXXX Account nameXXXX. XXXX XXXX XXXX Account nameXXXX. XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-08-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I purchased an e-gift card on XXXX website. It turned out the gift card is invalid and fraudulent. I would like this website taken down so others dont fall into the trap I did. Chase is my bank and will not refund me for this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Problem with personal statement of dispute

Complaint:
Late payment history from 3 years ago still shows on my credit report.

Company response to consumer: Closed with explanation