BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-09
Company: World Omni Financial Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I obtained a lease from XXXX XXXX XXXX on XX/XX/XXXX. I completed all of the paperwork on XX/XX/XXXX but they kept having problems so the lease date was n't started until XX/XX/XXXX. I received orders to go to XXXX in XX/XX/XXXX. I submitted all of the paperwork that they required in order to turn in a vehicle under the Servicemember Civil Relief Act. After submitting the paperwork I was told that I did n't qualify since the date on the orders was XX/XX/XXXX. I called and explained to them that Soldiers do not get orders on the same day that the orders are published and that it can take months to trickle down to the Soldier. XXXX XXXX told me that they would not allow me to turn it in and they gave me two options, either try to finance the vehicle or to leave the car in the states for the three years while we are gone. We have tried to finance the vehicle but there is no one that will finance a vehicle going overseas. We have even thought about leaving the vehicle behind but there is no way that we could afford a {$700.00} car payment, {$250.00} insurance and {$150.00} storage fee. Not to mention there is no way for the vehicle to be started to it would run into a lot of mechanical issues by just sitting and we will not be in the states in three years to return the vehicle. The only way I am able to make this work is to drop it off and have it voluntarily repossessed but that would ruin the security clearance that I have with the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Bayview Loan Servicing purchased the servicing on my home equity loan. During an attempt to refinance my XXXX mortgage Bayview reviewed my loan file and sent mailed correspondence saying I owed them {$220.00} for XXXX related to the XXXX. I had my mortgage lender contact Bayview to ask what this fee was. The gentleman on the phone originally said it was for attorney fees. After my mortgage lender questioned him he said it was probably assessed because my homeowners insurance had lapsed. My mortgage lender asked when the homeowners insurance had lapsed so he could send proof that there was insurance in place and that " Force Placed '' insurance was not necessary. Bayview said they would send me written correspondence showing me proof. Instead they sent a letter ( almost idententical to the first XXXX ) saying that " After a review of my loan file I owe {$220.00} in XXXX XXXX XXXX. '' They also included another copy of the first letter. Bayview has never come up with a good explanation of what this fee is for or any proof that I owe it. My Account number with Bayview is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX : USAA Federal Savings Bank XXXX son and I share a checking account through USAA on XX/XX/2020, this account was hacked : fake mobile deposits ( around {$3000.00} total ) were made immediately followed by several money order purchases. The account had little money so these purchases were over-drafted through my savings account, emptying that XXXX about {$3000.00} XXXX. USAA was immediately notified and supposedly started an investigation. I was told the account was put into " credit only '' status. 

Meanwhile, the hackers hit again on XX/XX/2020. There were no more funds in either account, so it was treated as a negative balance in the checking account and there is still a negative balance today. 

On XX/XX/XXXX, I received an email from USAA notifying me the investigation had determined there was no fraudulent activity and closed the case. 

At this point, I am out {$3000.00}, there is still a negative balance on the checking account XXXX about {$500.00} XXXX and my repeated requests for documentation supporting USAA 's decision have been ignored. XXXX XXXX initial request was near the end on XXXX. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: IL
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:
I have contacted the major three credit reporting agencies on several occasions to remove this negative and erroneous information but they have failed to respond to my requests

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have contacted the major three credit reporting agencies on several occasions to remove this negative and erroneous information but they have failed to respond to my requests

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 2022-01-28
Company: Experian Information Solutions Inc.
State: FL
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:
I was checking my credit report and these accounts still on. I dont understand why you put this negative information on my account. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2016-03-31
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
We transferred funds from the XXXX XXXX XXXX XXXX, XXXX, NH ( took out an IRA ) to move it over to the Peoples Bank, XXXX XXXX, XXXX. Accidentally the wrong box was checked off on the form and was not noticed by the bank staff member or by myself and instead of getting a roll-over IRA we got a CD time deposit instead ( this was done simply by a check mark in the wrong box that neither the staff member or I noticed-but has come back to haunt us ). We found out about the issue after the 60 day grace period for changes ended and now the bank refuses to try to change things and is not talking to us as well! So what we now have is a massive tax bill which we can not afford and the potential to lose our Affordable Health Care Insurance as this CD Time Deposit has become taxable income -- which it was never meant to be IT WAS MEANT TO BE A IRA ROLLOVER. We are NOW also facing massive tax bills for something that we have n't touched. Think of this in this manner : would anyone pull money out of a safe tax shelter, move it to a CD with no shelter at all, be taxed severely on it and yet not take even one cent of the money out? Not a single cent has been removed for this account, but we are now in debt for the taxes! Clearly, no sane person would do this ( no insane person would either ), i.e. moving from a tax shelter to none at all while still leaving every single cent within the account THEREBY PAYING TAXES JUST FOR THE XXXX OF IT! The ONLY reason you would transfer the funds ( as was accidentally done ) would be because you needed the money! We do n't, it was to be savings only but got changed into a nightmare by the staff member checking off the wrong box. No, I did not see the mistake, but huge tax bills and the possibility of losing our health care is an awful high price to pay for one tiny mistake. We have tried to reach out to the bank management but to no avail. Tried again today and they are not talking. We are very willing to work with them but they have drawn a hard line. What we need to have done is for the funds now locked up in the CD Time Deposit be rolled over into a IRA. Technically, we have been told to say that we want the current Code XXXX to be changed as a Code XXXX Rollover AND WE 'RE RUNNING OUT OF TIME AS TAXES ARE DUE NEXT WEEK!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a XXXX XXXX credit card and realize that they were going to charge me {$75.00} to get the card and XXXX every month I decided I didnt want the card and asked for a refund on the {$75.00} they added interest to the {$75.00} did not refund it to me and turned it over to Midland financial I asked for my {$75.00} back and made a deal with them, but I can never do that because their system wasnt working, I called them at least 10 times to try and get this resolved they werent willing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am the executor of an estate that is in a foreclosure status with a sale date of XXXX XXXX. We received documentation back in XXXX 2013 that the property had been paid in full prior to Bayview Loan Servicing , LLC acquired it from a portfolio I was told they bought. One asset manager tells me Bayview is the owner of the property and the servicer while another tells me that they are subservicing it for XXXX XXXX XXXX, which XXXX denies. The foreclosure notification and any paperwork that Bayview or their attorney sends to me states that XXXX holds the note, which I know is not correct. They were the trustee for a trust that the mortgage was in at one time. It has since been dissolved. I need assistance with having this alleged lien cancelled/satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Someone hacked my Western Union money transfer account on XXXX XXXX 2017. Attempted to do XXXX transactions. 
1 ) The amount {$540.00} and I received notification in email that amount is picked up. 
2 ) After 10 minutes of XXXX transaction there was XXXX transaction for amount {$640.00} was made, however this was rejected by system. 
In both cases country of receiver is XXXX and appears to be done by same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. CHAPTER7BANKRUPTCYDISCHARGED DPTEDXXXX {$540.00} DPTEDXXXX  XXXX {$10000.00} XXXX  XXXX {$3700.00} XXXX XXXX {$2600.00} DPTEDXXXX XXXX {$17000.00} XXXX {$4500.00} XXXX XXXX {$4000.00} DPTEDXXXX XXXX {$18000.00} DTEDXXXX  XXXX {$19000.00} DPTEDXXXX  XXXX {$6500.00} DPTEDXXXX XXXX {$8600.00} DEPTEDXXXX XXXX {$1500.00} DPTEDXXXX XXXX {$5500.00} DPTEDXXXX XXXX {$7700.00} XXXX XXXX {$1000.00} XXXX XXXX {$26000.00} CHAPTER7BANKRUPTCYDISCHARGED XXXX DPT ED XXXX XXXX {$6300.00} DPT ED XXXX XXXX {$500.00} DPT ED XXXX XXXX {$6000.00} DPT ED XXXX XXXX {$4200.00} DEPT ED XXXX XXXX {$8500.00}

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 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America is closing branches and using COVID as an excuse. In my hometown, zip XXXX, there were 5 branches. None are open, they left one drive in teller to serve the community. Why not all drive ins? That might make senses under current conditions. 
Now Im at my summer place in CT and they are doing the same here. 
Using COVID is a very thin excuse. It appears they are doing this for short term gains at the expense of customers. 
I intend to find another bank when I get back home this fall. B of As customer service has been POOR, now there is no service. 
How can they just close branches? Isnt regulatory approval required?

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 2015-05-08
Company: Focus Holding Company
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Focus Receivables Management, XXXX, GA XXXX Phone Number XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX This company has reported a false/negative report on my credit report - a XXXX XXXX XXXX bill in the amount of {$57.00}. How do I get this false report off of my credit report? Can you help?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have foreclosure sale date of XXXX/XXXX/15 and submitted previous documentation in case # XXXX. On Wednesday XXXX XXXX, 2015 at XXXX in the afternoon I received a call from XXXX ( or XXXX ) from Wells Fargo in the " Customer Care and Recovery Group ''. She stated that she had received my inquiry for a request for a Home Modification.She then verified my loan number contact info and asked me to verify my request which I did. I told her and she confirmed that the present foreclosure date was XXXX/XXXX/15. She then stated that it would take a day or XXXX maybe for the post phonement date. She also stated that I would have a new primary point of contact to process my request and that would take a day or XXXX to complete. I asked before the call ended did we have time and she said yes we have '' plenty of time '' between now and Monday. I then thanked her for her call.She gave me her contact information, At no time during our conversation did she indicate a problem or an approval from the foreclosure department about the sale date. To the best f my knowledge at that time she did not mention the CFPB complaint that I filed. I had also sent a request to XXXX XXXX, PA whom Wells Fargo had designated asa point of contact. 
A few minutes later I received a call from XXXX from XXXX with whom I had filled out a hardship application. He stated that Wells Fargo was the hardest lender to work with and that in his opinion form the documentation that I submitted that we had a good chance to qualify for a modification. I told him that Wells Fargo had just called and that the sale date was to be post phoned. I thanked him for his time. 
On Friday XXXX XXXX at XXXX I called her since I had no heard anything to check the status. She then gave new primary contact contact was to be XXXX XXXX who would contact me. At this time she indicated that she was responding to my CFPB complaint. XXXX t.hen called me at XXXX in the afternoon on XXXX XXXX He informed that Wells Fargo would not post phone the sale date and they would respond to my complaint. I was in complete shock when he said this. He had me if I had any questions and I told him that I was mislead by yprevious conversations. 

The Wells Fargo employees were professional and polite. HOWEVER I WAS MISINFORMED by XXXX and she did not explain. THe consequences of this is that I lost XXXX hours of critical timing and the opportunity to work with a XXXX party. No consumer should have to endure what I just went thru. Their needs to be some type of protection to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, Flagship Credit Acceptance sent me the attached letter stating that they " agreed to release the lien free title ( or SIF ) for the settlement amount of {$10000.00} '', which was offered from my Insurance company after my car was declared a total loss. In XX/XX/XXXX, they then reported a charge off amount of {$6300.00} to the credit bureaus. Upon realization of this, I contacted them via US mail, including the Attorney General and XXXX XXXX XXXX, disputing the charge off amount reflected on my credit report, as I have a letter clearly stating that Flagship Credit Acceptance accepted the amount paid by my Insurance company, agreeing to release the lien.

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 2016-02-19
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I got a loan in XXXX from XXXX XXXX XXXX that was then sold ( assigned ) to XXXX XXXX XXXX XXXX XXXX XXXX. I was approved for a loan called an " XXXX XXXX XXXX XXXX XXXX ''. The amount of the loan was {$20000.00}. There was a loan origination fee of {$1800.00}. The Note Disclosure Statement lists the total finance charges at {$49000.00}, with payments totaling {$69000.00}. I have since paid back over {$10000.00} of this loan but due to financial hardship was unable to continue making payments in XXXX. I wanted to reach a reasonable payoff amount but debt collectors demanded amounts in the {$23000.00} range. I am now being sued for {$27000.00}. I have credit card debt, Federal student loans, and no income. I feel that my only course of action may be bankruptcy. Only after I was served with the lawsuit did I begin to conduct research and I discovered that according to the Internal Revenue Code I was not a qualified student at the time I was given the loan. A taxpayer is an eligible student if he is enrolled at least half-time at a XXXX institution and is seeking a degree, certificate, etc. IRS Code : 26 U.S.C. 221 ( d ) ( 3 ) ( referencing 26 U.S.C. _25A ( b ) ( 3 ) ( requiring the student fulfill the requirements of _484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. _1091 ( a ) ( 1 ) I was enrolled in classes at XXXX XXXX XXXX XXXX XXXX XXXX school. This is only part of a XXXX college district, and offers classes in things like woodworking and retirement planning and these classes do not carry college credit. I submitted proof of enrollment in this school when I applied for the loan, but this school was not a qualified school that met the criteria for an education loan. I was not enrolled in a program that would lead to a degree or certificate. When I submitted my documentation in XXXX, I was led to believe that the classes I was enrolled in were sufficient. My tuition costs were only a few XXXX dollars. I believe this loan was given to me because the lender knew that I would have no recourse if I were to default, so the criteria ( qualifying school, qualified student ) were overlooked in order to get me into a more binding loan agreement. It was obviously in their favor to offer me this loan rather than a personal loan.

Company response to consumer: Closed with explanation