BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a home equity loan from XXXX. In XXXX I refinanced the XXXXXXXX XXXX which was supposed to include the equity loan. I was not aware this was out there and not being paid because I never received anything until XXXX. At that time, they were threating to foreclose on my home. Needless to say, I contacted Planet Lending and agreed to take payments. I made all payments on time. After XXXX years of payments, they wanted a balloon payment of {$55000.00}. All the payments I did make of XXXX a month only {$50.00} went towards the principle. I do not have that amount of money on hand. So, I asked if I could continue with payments which they refused. I tried to continue making the payments, but they would not allow any payments to the account after XXXX. Now they have reported them delinquent and have ruined my XXXX score. Every time I try to get in touch with the loss mitigation dept. they hang up on me. When I agreed to the original loan pay off had no choice or lose my home. I have attached a copy of the bill for XXXX and a letter received. They are asking for the payments which I attempted to make but they refused payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: ACIMA CREDIT, LLC
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS On a previous complaint dismissed any delays of receipt of mortgage statement to mail delays. The Mortgage statement dated XX/XX/XXXX, which they stated on previous inquiries are mailed out same or next day, was not received until XX/XX/XXXX. This only allowed for 4 calendar days to receive a statement and send out payment by due date of XX/XX/XXXX. The timelines mean that the USPS is taking 13 days to deliver mail from this servicer. All other mailed statements from any other biller do not have this delayed timeline. I believe that SPS is delaying statements in order to increase the likelihood of late payments and increase their servicing profits. While I have not had any late payments due to their actions, their delayed statements are a violation of CFPB rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: ENOVA INTERNATIONAL, INC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for loan on line with XXXX XXXX  XXXX  XXXX XXXX XXXX Thinking I was getting a loan from a bank I got an email a few weeks later stating the bank had sold the loan to Net Credit at a 99.4 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: Other

Complaint:
I received a phone call last night from someone claiming they were working with my bank. Said they were calling to offer an interest rate reduction promotion because of my standing with the bank and how we pay our balance off monthly, which is true. They said they are the ones who send out the statements for my bank, had my name, other information, and it seemed like they really WERE with the bank. They asked me to verify my card number, which i was skeptical about doing, but said they had all of my statement information and would verify that. Said there were not a third party. I normally would not do this, but because lowering our interest rate helps our credit, I verified my card number. In turn, they did tell me all of my balance information. At this point my daughter grabbed my phone and we got disconnected. They called me right back and we picked right back up. They then told me they were going to transfer me to their manager to see what rate they could offer me, transferred me to another gentleman, said his name was XXXX XXXX, and he told me because of our standing with the bank they could offer us 0 % for a lifetime but we had to pay a fee of {$1500.00}. I told him I could not agree to this at this time because my husband was not home, and I would call him back. He gave me a number to call back. After getting off the phone, I just felt very unsettled about the phone call. I called him right back and told him I was not interested in this. He asked me if I was NOT interested then why did I verify my card number. I told them I thought I was working with my bank to lower my interest rate, not get rid of it, and it did not make sense for us to do this. The guy got very hateful and hung up the phone. I then called my bank, and canceled my credit card to get a new number. Once my husband got home and we talked about this, we realized it was definitely a scam and someone was phishing for my 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 explanation
Consumer complaint received 2016-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I came to the Bank of America branch to cash the check that was Bank of America check. In order to cash the check I was told need to open account. I di n't want to set up it because BofA has only couple branches in the large XXXX XXXX, and its not convenient for me. Later I got a Statement with monthly service fee. I thought Bank will see that account was not funded and was not used, and will close it. Instead, Bank took advantage to charge another monthly service fee for the service that I did n't use. Recently I call to BofA customer service to request to reverse the " service '' fee and close account. Lady on the phone refused to give me her full name, as well as employee ID or any confirmation number. I know only her first name : XXXX. She said that I overdrawn account and need to pay. I told her I did n't spend any single penny from this account, its your Bank overdrawn my account by charging service fee for the service that I did n't use. I did n't use this account, I did n't use debit card, I did n't use Online banking, I did n't use anything. What kind of service do I have to pay if I did n't use anything? When I asked to talk to a manager or supervisor she decline my request too. It does n't look a good customer service, and it makes me very upset and makes me to file this complaint in hope you would able to help me, and to inform other people.

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 monetary relief
Consumer complaint received 2015-09-28
Company: The CBE Group, Inc.
State: LA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Before retiring from my XXXX Job I neglected to change my email address so that I could update my Pay Gov account to renew my Auto Pay for 15 months. When I realized that I had over looked changing the email from my work to my home email in the mean time my SBA Loan was turned over to collections, and not like I did it on purpose I offered to pay the two months and bring the loan current, and I was told that I could n't and they would start off-setting my Social Security and my Retirement pay, plus any other pay I get. So with the Gov. offsetting everything I get I 'm getting calls monthly, weekly, daily from CBE Group Inc to collect on a debt that is already being paid every two weeks, and every month. I have asked them to stop calling because I 'm not paying anymore that is already being taken which turns out to be almost {$500.00} a month in offset. 4 times more than what the original loan payment was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Investigation took more than 30 days

Complaint:
Last year, I purchased a used vehicle from XXXX XXXX in XXXX, NY. To finance the vehicle, I took out a loan theough the dealership. The dealership ran my credit through three different loan companies without my consent. When I asked why they sent a loan request through several companies without informing me first, the response I got was well its Saturday and I needed a customer service representative to set you up. All three of those credit checks were high impact. Those hard impacts later affected my credit. The dealership finally settled when they set up the loan through capital one. I was able to pay off this five-year loan in about six months because I came into some money and I wanted to make sure I didnt have too many outstanding debts, as I already have a lot of student loans as a teacher. I thought paying off this loan in full in a quicker amount of time would boost my credit. As a result of paying this off, my credit score dropped from XXXX down to XXXX. I have been struggling to raise this score even though I have been paying off all other loans in full and timely, as well as opening additional credit cards to raise my score. I do not think it is fair to penalize my credit score for paying off a loan IN FULL earlier because I was financially sound. I wish to file a grievance and have my credit score looked at and adjusted accordingly if possible. This is affecting my ability to get more credit and move into another residency because the score has dropped so significantly and will not rise no matter what I tried to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: CA
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 had been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-03-21
Company: Netspend Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 I closed my account with Netspend. I had {$450.00} in that account and they have been refusing to send me my refund of check to me. I have verified the address on file, Ive verified my identity, Ive verified the mailing address which the check needs to be delivered to. Ive been trying to do this for a month now and at this point they are stealing from me. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: CA
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:
The accounts listed are not my accounts, nor have I authorized any of these companies listed to run my credit. Please remove this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX SER Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2015-10-06
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed that there is a closed collection that I never knew about, or closed for that matter. I was treated by these medical professionals years ago, when I was severely XXXX. At that point in time, I was completely XXXX. I had a similar problem some time ago with creditors, and this one must be addressed as well. I was never made aware of this debt until viewing my credit report for the very first time. I should have been made aware of this debt. If that was the case, it would have been paid already and would n't appear as a stain on my credit report. The fact that it remains on my report when I did n't even pay it to begin with is baffling. If it was n't my debt, then why is it there?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: UHG, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received an earnings withholding order from XXXX XXXX XXXX regarding a debt that I apparently owed from a company UHG I LLC from my employer XX/XX/2025. I contacted XXXX, the same day to inquire about this issue and to try and stop the garnishment. I was advised that UHG was suing me on behalf of XXXX to which I've no recollection. I've since pulled my credit report & there's not a single collection from UHG nor this XXXX and any of the 3 of the credit bureau reports. I'm not sure what to do now because a garnishment has hit my paycheck for {$770.00} for which I can not afford. Right now XXXX will not stop the garnishment, will not provide me with a debt notice it's become their word against mine and i'm pinned to a corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for a personal loan with " Citizens One Personal Loan '', during the process I was never asked if I was US citizen or permanent resident, once the loan was " almost complete '', as I have an excellent credit score, they asked me for a copy of my social security number that clearly says " valid for work only '', after providing the document they denied the loan. 

When i call the bank and I asked for a copy of the application where I was asked to confirm that I was us permanent resident or US citizen they denied to send a copy, the bank mentioned that I accepted the terms of the application and that they will not provide a copy of the document. 

When I asked for the terms of the application over the phone, they read them over mentioning that they required " A valid Social Security Number '' as read from the application, when asked the bank representative to clarify where in the application " a valid social security number '' was explained, they said that there was not definition in the application for a " valid social security number '' and neither in the document but they understood it, when I asked why this was not requested to be clear during the process, there was not a clear answer. 

I requested them to remove the hard inquire due to this faulty process which they denied, when as asked for a copy of the application where I could see clearly that I choose any of the requirements " US Citizen or permanent resident '' they denied to provide a copy of the document or support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have auto loan with Wells Fargo and I alway do my payment on time ( 2 days early of that I have to pay ). I was looking on my statements and for interest they are charging me different amounts and payments same different amounts. every month is different amounts of interest and payment for the auto loan.

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 2022-10-10
Company: Credit Card Acquisitions Group
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Foster and Monroe placed a collection account on my report in XXXX stating that I owed XXXX XXXX XXXX over {$3000.00} well I contacted XXXX  and talked to a lady by the name of XXXX XXXX at XXXX and she said that I didnt have not ever had an account with XXXX XXXX XXXX and gave me the number to XXXX XXXX XXXX who owns supposedly XXXX XXXX XXXX at the following numbers and to let him know the account is inaccurate and that he can contact her. These are the numbers given XXXX and XXXX. XXXX XXXX said to talk to him because he would be able to remove it off of my credit since it is not accurate. She also stated that he could call her and the only account I had was XXXX furniture who is a sister company, but that account is over 2 decades and has been sold numerous times, they also went out of business years ago and I included them in my XXXX  XXXX back in XXXX1 in Texas which she saw. I contacted Foster and Monroe and talked to a XXXX @ XXXX and she said XXXX XXXX was on vacation and she placed a dispute with the company so that he can get back with me but no one has. They have placed said account on my credit without validation of debt. I have never had an account with XXXX and XXXX XXXX verified it. If they ( XXXX XXXX  XXXX ) try to say they sent me a certified letter which seems to be a pattern with them in all the claims I have read against them on the XXXX they consistently state they sent out letter but I have NEVER received one. I can verify it due to I have informed delivery with the USPS and it shows all the mail I ever received for this year with screen shots of all mail as a preview to show what is coming. I am requesting that XXXX XXXX XXXX removed XXXX XXXX XXXX because they are posting fake information in other words fraud. This is all my proof of what XXXX XXXX  XXXX has placed on my report as fraud, fake and wrong information. This unaccredited company has violated my rights as a consumer and I request the account be removed from my XXXX credit report due to failing to adhere to the FCRA guidelines. I have enclosed screen shots of how corrupt XXXX XXXX  XXXX is and the tactics they use repeatedly on others and are doing the same with me. They never validate their collection accounts and leave the consumer in despair. They need to be dealt with in accordance by law.

Company response to consumer: Closed with explanation