BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-26
Company: Diversified Adjustment Service, Inc.
State: CA
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:
On XXXX XXXX, XXXX we signed a contract with XXXX which stated that if we did not like the service we could terminate the contract. We were not able to receive any calls from our house. After seven calls and a visit to XXXX in which we explained our difficulties and were told that they were working on the problem and that it would be resolved. At this time we told XXXX that we terminating the contract. They accepted our termination and apologized. On XXXX XXXX, XXXX we received from XXXX XXXX a letter that we were in debt to them for {$1100.00}. On XXXX XXXX, XXXX we sent by certified mail a letter stating we do not owe the debt and stop the harassment. On XXXX XXXX XXXX we received a letter from Diversified Adjustment Service INC. that our account has been placed with then for collection of {$1100.00}. On XXXX XXXX, XXXX we sent a letter by certified Mail asking them to stop in their pursuit of Client Ref # XXXX Account # XXXX. On XXXX XXXX, XXXX we received a letter from Diversified Adjustment Service , Inc.a payment in full of {$1100.00}. I believe that they have broken a Consumer Protection law and request that you send them a cease and desist letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions 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:
inaccurate information is not known to me to the best of my knowledge XXXX XXXX XXXX {$1500.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$1300.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$530.00} Needs attention HIGH IMPACT XXXX XXXX   XXXX {$320.00} Needs attention HIGH IMPACT XXXX XXXX {$290.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$160.00}

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 non-monetary relief
Consumer complaint received 2022-02-22
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: Personal information incorrect

Complaint:
The following information listed below is inaccurate and I am requesting all three credit reporting bureaus to Delete the inaccurate information below. 
PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX HXXXX XXXX Date Updated XXXX XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX HXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland credit management has been making threatening and excessive phone calls. I have formally asked for detailed information on what the debt is for ( from XXXX  years ago ). They have not provided me any information. I just received notices from an attorney wanting to represent me that midland has a judgement against me and will freeze my bank account. This letter was from XXXX of 2022. Midland only demands payment and threatens me. They have not provided me any information on what the debt is specifically regarding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23
Company: U.S. BANCORP
State: WA
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
I purchased an RV through US Bank. The payments of {$340.00} initiated on XX/XX/XXXX. Approximately XXXX weeks prior to the due date XXXX of each month I would go into the main US Bank XXXX XXXX XXXX XXXX XXXX WA and submit my check that also included an additional principle payment- from XXXX XXXX XXXX. On my check I would note that this payment was for Principle only. The last several months I started to receive my statements that would say I had a past due amount ( for {$200.00} ) ; thus adding it to my normal payment. I went in and they said they would fix it - but the following month there again was another past due amount of XXXX. I actually got a call last Friday the XXXX from a bank collector looking to have me submit the past due payment. 
Any borderline teller should be able to bring up my account and see that all along I 've been making my regular payment plus added principle. When I had this XXXX min conversation I was transferred to another employee ; who in speaking with them ask about a couple of statements that I received ( XX/XX/XXXX and XX/XX/XXXX ) that I had a XXXX amount due so I wrote {$400.00}. towards principle only and was told that those payments really did n't all go towards the principle that some went to future payments -paying interest. When I ask for a print out of all payments I made she told me I would be charged a fee for this. Really! I was told the situation was change and the past due was taken care of-when I went to the bank today it still had a past due of XXXX on my account. 
My main concern is if this is happening to me ( a senior citizen ) how many unsuspecting people world wide that do n't check their monthly statements are they doing this to. 
I had similar issues with my mortgage for several months. They were not applying my full principle payment to my principle but taking out and applying to my interest-as if I would give them free money. So over all, this has gone on for many months-despite my telling them that I will seek out further investigation. I got insulted when the folks that called me said it was the front line teller that was causing the problems. I know they go into their computer templates and place the payments in the appropriate boxs. I have most of my statements and my check register noting days of payments with check numbers and how much additional principle made. I 'm really tired of hearing I 'm sorry -I think/believe there should be an outside audit run on their procedures and if found at fault-upper management lose their jobs. This is very stressful for me- I work in a VERY High stress work field ( XXXX ) I really do n't need to constantly monitor and call attention to inappropriate bookkeeping from professionals. I believe XXXX financial got nipped for doing something like this. 
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 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SEE CFPB COMPLAINT :  XXXX . Once again, Bank of America,  XXXX ,  XXXX , etc are contriving false information. They ignore the real complaint filed and are attempting to reply to another property while ignoring MANDATORY responses.

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 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
transunion should post the latest update on mt credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: RNN Group, Inc
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2018 the HR representative at my workplace notified me they received an employment verification request from a representative at RNNGroup. On the form they submitted to my company 's HR department they had the correct last four digits of my social security number. They also had the correct work location and correct email address for my work location 's HR representative.

They asked my employer to verify I was employed with them, if I was part time, full time or seasonal and for them to confirm the company name and address.

At no point did RNNGroup say this was in regards to a debt, but when I went on to their website, it certainly looks like a debt collection business - even though they don't say they are a debt collection company. When I spoke to the representative from RNNGroup, they told me I was on a recorded line. They also told me they couldn't divulge the client for whom they were seeking this information for - only their " executive team '' could do that. Their website says they do data collection, but it is all very vague.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Other financial service
Sub-product: Check cashing
Issue: Excessive fees

Complaint:
I was inaccurately informed about how a bank was cashing a check of mine. I use a fifth third product, prepaid service called access XXXX. Fifth third sells this product but does not service it and fails to tell you this till something happens. I will at times cash checks and then put the funds into my XXXX access account, I had been told by 53rd that I had to cash the check and could not deposit it directly on to my XXXX access also since this was a product not serviced by 53rd I would be charged a check cashing fee. I agreed to a fee of {$4.00} and had been paying this fee each time I cashed a check to deposit it on to my card. This had been this way for over a year on this account. 

On XXXX/XXXX/16 I had tried to cash a personal check and the teller at 53rd was trying to sell me on an account called express pay. The teller told me it would cut my check cashing fees in half and save me money. She stated it would be quick, I agreed to talk with a banker and switch thinking it would save me. The teller when ahead and cashed my check and charged me an {$8.00} fee for cashing. I did not know this till after she brought my cash into the banker office, she did not tell me the fee was {$8.00} and in the past I had never been charged this much to cash. 

The teller was very rude and was the person who had pressured me into signing up for the express pay since it would " save me fees '' which it never did. I was inaccurately informed on the check cashing fee and was actually never given a fee amount before agreeing to allowing 53rd to cash my check. 

I had in the past found the XXXX access product to be a scam sell by 53rd as they do not service the product and do not inform you this at the time of signing up. I have in the past dealt with fraud on my XXXX access and it took weeks to get refunded and my money to be released. 53rd fails to inform you that you have to work with a different party to resolve any XXXX access issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: PA
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:
To whom this may concern, My name is XXXX XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of Identity Theft, and my personal information was used or tried to be used to obtain services and goods without my consent or permission. I request that the following information listed in this report and this statement be removed immediately. 

ACCOUNTS : XXXX  INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-02-11
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Dear CFPB Staff, I am in the process of purchasing a home with PNC Bank Mortgage Division. Based on the recommendation of my real estate agent, I had notified the PNC bank on XXXX XXXX, 2016 to go ahead and order an appraisal and I signed all my mortgage paperwork on XXXX XXXX. My contract was ratified on XXXX XXXX and the appraisal contingency was due at XXXX on XXXX XXXX. Despite my reminders to the PNC loan officer about the appraisal due date multiple times, I did not receive the appraisal report until XXXX XXXX on XXXX XXXX. I went over the appraisal report the first chance I got and had noticed some gross mistakes, including " full size washer and dryer in bedroom closet, '' and " whirlpool tub '' which neither exists. I sent the loan officer an email with full description of the mistakes among others at XXXX. Almost a week later now on XXXX XXXX at XXXX, I still have not received a correct appraisal report. The loan officer was trying to argue that the appraisal report WAS sent before the deadline -- -but with multiple mistakes that could indeed impact the appraised value?? PNC bank while having had my ratified contract around XXXX XXXX still missed the appraisal contingency which resulted me not being able to negotiate to the potentially lower appraised value. I have contacted the PNC customer service who was supposed to connect me with the supervisor of the branch manager as the brank manager ( XXXX ) has been out of town all week, but the supervisor, XXXX XXXX XXXX refused to speak to me and ended up sending someone from the Branch who sounds very young and completely inexperienced on management skills. XXXX XXXX XXXX did not introduce himself when he came on the line for who knows how long after I had waited for several minutes. He basically had nothing to add but just told me to keep waiting. I am curious in this case, what rights do I have as a consumer and what recourse do I have that a bank such as PNC which failed to meet the appraisal contingency and pretended that the grossly inaccurate report was their extent of obligation to fulfill the appraisal contingency? I am XXXX for 4 years and just returned to the XXXX area and a bit puzzled about the mortgage business practice. Sincerely appreciate CFPB 's help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I tried to utilize the governments " Loan modification '' program with GreenTree. I kept giving them the same documents, when asked for, without any resolution. They just kept " stringing '' me along! I then tried to sell my farm but the market dropped and I was in an upside down mtg. I then tried for a short sale & had offers. My XXXX mtg company accepted the offers however my XXXX mtg, GT, refused to accept the offers. Because of them I had to allow the XXXX mtg to foreclose. Now 4 years later GT is suing me for the full XXXX mtg loan plus interest and collection/court fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Other

Complaint:
I tried to apply for a Secured Credit Card with Discover. I decided to apply online and everything was fine until I got into the SSN ... I do not have a SSN from the SS administration but, I do have credit. Many of the credit bureaus have requested from me a letter from the SSN that I dont have an active SSN, ( I have this letter also ) so they are using my ITIN # and my Passport Number to verify my identity. This is not the first CC I have, I have XXXX with XXXX XXXX XXXX and XXXX with XXXX Bank. The reason for me to apply here is because I would like to diversify my credit by asking credit to other institutions. When their webpage forced me to enter a SSN I decided to open a chat ( which I can send you back as a transcript ) and talk to them on having an alternate method to verify my identity. I think I was discriminated as they denied to accept other document to verify my identity ( my passport for example ) even if I can prove from the SS Administration that I do n't have XXXX, basically they told me : if you do n't have a SSN you can not have credit. They told me this was just to verify my identity but, I think they would be able to do that by other ways, they just do n't want to. Please HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX repeatedly marked my account as " late '', charged a late fee, additional recovery fees and reported the account as late to the credit reporting agencies, despite the knowledge and agreement to change the due date on the account to mid-month. XXXX XXXX XXXX, did not adhere to policies regarding the change of due date, regarding payment agreements. XXXX XXXX did not do their due diligence in changing the required information and alerts, so that it would not be falsely reported to the credit bureaus. When the due date changed to the XXXX of the month, the account alerts should have been updated to reflect that important change. Otherwise, allowing the change of date is completely redundant and posturing, in order to appear to the authorities that XXXX XXXX XXXX was being flexible, at the time. XXXX XXXX XXXX should rescind the late charges, reports to the credit bureaus, from the time the arrangement of mid-month due dates was made. XXXX XXXX XXXX also refused to acknowledge a payment and continued to collect late charges and reported late payments to the credit bureau. I have provided official documentation from my credit union to support this, XXXX XXXX XXXX has not responded or attempted to remedy the situation.

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 2017-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  My car  XXXX   XXXX   XXXX   XXXX  #  XXXX , was  financed by CAPITALONE AUTO FINANCE  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX ,  XXXX ,  XXXX . Unfortunately i 've tried to resolve the issue with capitalone auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have a AAA credit card. AAA Motorist membership placed me in auto renew with my membership card with out my knowledge. I called to dispute the charge. I was asked if the company said they would credit my account. The rep kept asking crazy questions as to what the merchant AAA motorist said. 

AAA motorist charged this card {$160.00} with out my permission. 
I tried to dispute with AAA/ bank of America . 

I down graded my membership with AAA Motorist ( XXXX ) I was to receive a new card in the mail and refund for the difference. Since that never happened I need to dispute the {$160.00} unauthorized charge

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 2023-07-25
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief