BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a vehicle loan with XXXX XXXX XXXX from XXXX of 2020. When I took out the loan the price started at around {$22000.00}, I put {$5700.00} down, after the taxes and tags, the finance was at $ XXXX. At 72 months. The dealer swindled me and talked so fast I could barely understand what he was saying or doing, but I had no vehicle and and a credit score at roughly 600 with no co-signer. So I agreed to whatever the terms were. I was explained my payment would be over {$500.00} a month and I was only making {$1900.00} a month at the time, so I tried to find a better job so I could pay it off quicker and be able to afford my life. 
Just as soon as I found a new job covid swept in. I worked from home a lot with XXXX kids, and eventually was no longer able to keep up with some payments due to lack of work. I explained to the company what was going on and they kept saying theyd notate the account and pay what I could. I missed full payments for about 4 solid months, and I continued to contact each month for an update. As soon as I began work again, I called to schedule a promise, and the day of payment they repossessed the vehicle in the night. 
It took me 7 days to get the vehicle back even though it had been released already. I spent another {$950.00} for a rental for those seven days so I could get to work. 
I asked what my loan payoff was at this time and they tell me its $ XXXX!!!!!!!!! 
I said put {$5700.00} down ; Ive paid {$520.00} a month since XXXX of 2020 other than those few months and somehow my loan is still at almost {$22000.00}?? Something sounds completely off here. Then the rep proceeds to tell me I was charged {$14000.00} finance surcharge that I wasnt aware of and was told my APR was raised and I was never given the rate.

At this point I dont even know what Ive paid to interest or principal or how theyre calculating it. All I know is now I owe {$740.00} a month for 24 to bring whatever fees and interest current from being late for 4 months straight. 

This company is completely predatory and they are not here for their customers.

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 2023-10-15
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2023 I submitted an application and request to Mohela for move from the PAYE income driven repayment plan to the SAVE income driven repayment plan after using the student fed loan simulator and it indicating my monthly payments would lower. Once Mohela received my request ( before processing and approving it ), their projected payment was {$40.00} more a month and nearly {$100.00} more a month than the initial estimate. I called Mohela on XX/XX/XXXX to inquire as to why my payment would be hire and asked for them to cancel my application to move to the SAVE plan and remain on the PAYE plan with my original payment. The customer service representative told me they could do that and Id be placed back on my PAYE plan. On XX/XX/XXXX I logged on to Mohela and saw I had been moved out of the PAYE plan and to SAVE even though I had requested not to be and told by Mohela representative I would remain in PAYE. I called Mohela again and spoke to someone new. They told me the request to cancel my SAVE application had been submitted but not in time and that they could not move me back to PAYE without a new application. I asked them to submit the new application and was told it would take 7-14 days. I called again on after I received multiple back dated messages through the Mohela website that I was placed on administrative forbearance. The first person I spoke to told me I was on administrative forbearance because of the delayed processing time with IDR applications and that it could take up to 90 days to process. When I asked if months on administrative forbearance, that did not require a monthly payment, counted towards Public Service Loan Forgiveness, I was told that no, they would not count towards my Public Service Loan Forgiveness and that I needed to request to be removed from forbearance and make monthly payments to qualify. I called again later that day and asked a second representative if months of non-payment while on administrative forbearance counted towards public service loan forgiveness and this representative told me that yes, it would and I should remain on forbearance. I then emailed Mohela requesting for written confirmation as to whether administrative forbearance counted towards PSLF. I received a generic response that did not answer my question or provide the requested information. I responded to that email and never heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Lloyd & McDaniel, PLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I enrolled with a debt settlement company  XXXX . One of the accounts was a  Bank of America ( BofA )  credit card debt. Al of the other credit cards and debts have been successfully paid off or are still in a repayment program. Payments to  XXXX  were initiated  XX/XX/XXXX  and followed on   XXXX  ,  XXXX , and  XXXX . I received a piece of mail from a law firm in   XXXX   XXXX   AR, offering their services for representation regarding a lawsuit filed against me by  XXXX  and  XXXX  law firm on behalf of  XXXX . I was unaware of this at the time. My name was also in the Sunday,  XXXX   XXXX , newspaper noting said lawsuit. I contacted my debt settlement company,  XXXX   XXXX , Thursday  XXXX   XXXX  inquiring why I was being sued. They had informed me at that time that  XXXX  had already received payments for the debt and would check into this matter. After further communication with  XXXX , they informed me they were in process of negotiating a new settlement with  XXXX  and could not explain why I was being sued. I informed  XXXX  I would contact  XXXX  and  XXXX  and attempt to settle this debt without their assistance. I was formally served the lawsuit papers the evening of Tuesday,  XXXX   XXXX  at my home. I contacted  XXXX  and  XXXX  Wednesday  XXXX   XXXX  and spoke with  XXXX   XXXX  ( spelling? ) and negotiated a settlement with her that same day. Subsequent papers were sent out which I received the following Tuesday,  XXXX   XXXX . I spoke with  XXXX   XXXX  the following day and she informed me the papers I received were null and void and would n't be honored. She asked me to mail them back to her and then later in the conversation advised me to shred them. I still have these papers in my possession. I then attempted to negotiated a second settlement with  XXXX  and was advised to call her back if I did not hear from her. I attempted contact again Monday,  XXXX   XXXX , left message and again Friday  XXXX ,  XXXX .  XXXX  left me a message Monday  XXXX   XXXX  and I attempted return call approximately  XXXX  min after and have not had return call from her through end of business day today,  XXXX   XXXX . I feel I have been diligent in trying to reconcile this debt and I was unjustly sued by  XXXX , through  XXXX  and  XXXX . L I have spoke with, although have not retained an attorney at this time and have concerns there  XXXX  be Fair Debt Collection Practices Act violations with this manner. Thank you for your time regarding this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB, I'm an XXXX XXXX military member and recently discovered unauthorized inquiries and accounts on my credit report due to identity theft. I've disputed with credit agencies, but seek your expertise for a swift resolution. Your help is crucial in maintaining my financial security. 

Thank you, 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 explanation
Consumer complaint received 2023-05-20
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, I deposited {$30000.00} into a high-yield CD with Marcus ( Goldman Sachs Bank ) . On XX/XX/2022 I deposited {$10000.00} into a savings account with Marcus as well. On XX/XX/2022 XXXX XXXX closed ' both accounts without providing me a reason and never transferred the deposited funds and interest earned back to me. The two accounts show a XXXX  balance. I have called four times to speak with the deposit team and customer care team and no one can tell me where my funds are. I opened a customer care case number ( XXXX ), but every time I call to get a status, the person indicates they can not help me and someone will call me back within two to three business days. No one ever calls me back. I have spoken with two supervisors in the last month XXXX and XXXX and neither one has been able to tell me where my originally deposited funds are at. I am extremely concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was put on  XXXX   XXXX  and knew I could not pay off my debts with the {$1300.00}. per month I would be receiving, so I took a second mortgage out on my home to pay off all my debts in order to make ends meet and support my grandson and I. I made my intentions known to Synchrony Bank. I explained to them I needed my pay off information. It was exactly {$1100.00}.   Once this was paid 5 days later they sent me a bill for {$910.00}. When I called them to point this error out, they stated that a promotion was no long in affect and that I did not pay my debt off in time.   No agreement was ever signed or agreed to like this. If they have a signature it is not mind, because I would never agree to something like this and nothing was ever said about this when I stated my intentions to the bank. I have offered a compromise to protect my credit rating, but they will not consider any kind of a compromise and are demanding payment that I do not owe and can not afford to pay. Please help me. I have no scanner and therefore can not send attachments.

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 2023-08-28
Company: SECURITY CREDIT SYSTEMS INC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Before unfairly closing my complaint I was unable to add my supporting documents of identity theft. I have contacted Security Credit Services to let them know that I am victim of identity before allowing my to provide proof before 30 days was up in violation of FRCA act the complaint was closed today is XX/XX/2023 the supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: ENOVA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was scammed by an individual named XXXX XXXX XXXX in NC as the netcredit loan was taken. This individual scamming me, also resulted in me blocked from XXXX XXXX, had me XXXX acted as she stole a check from me, and held many felony convictions. In the town of XXXX NC, her parole officer did not perform the required drug tests to allow her to skirt through probation. If anyone owes NetCredit, it is XXXX XXXX XXXX who scammed me. I am a victim of being scammed, and then taken advantage of by Netcredit, who wishes to charge me XXXX percent interest on top of it. I am just making the data complete, as Netcredit is allowed to report incomplete data to the credit bureaus. Incomplete data is not to be allowed on the credit reports, and NetCredit does not have the complete data to provide an accurate picture of me. I will no longer be scammed by individuals such as XXXX XXXX XXXX, or crooked lenders trying to skirt around Florida 's caps on lending to prevent predatorial lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a brand new XXXX truck from XXXX and on XX/XX/XXXX for some reason the car wouldnt start I had the car towed to the shop the following day and I still till this day have not received my vehicle back its been months Im still paying the monthly payments and insurance for a car that I do not have when I try to ask and call to see whats going on the always say they dont know and are ordering parts that has always been the answer it is extremely hard to get a hold of them at their shop I literally have to go in in person to even get talked to I have also contacted corporate and has assigned an advisor that has been completely useless she told me I would have a response within 48 hours and its been weeks at this point if the company that sold me the cars still cant figure out whats wrong with their car then I no longer want it I want to get my money back and take my business elsewhere I need a reliable car to use in my everyday life thats why I decided to get this new vehicle I cant continue to go on without a car.. I want to terminate the loan get my money back and go to another dealership of a different make not at all related to XXXX can you please help or give me advice on what I can do or who I can talk to be thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX   XXXX ,  2017 , I opened a Pep Boys credit card to take advantage of the 6 months same as cash offer that is advertised on Pep Boys web site and at their store in  XXXX , CA. Pep Boys uses Synchrony Bank for their credit cards. I was approved for more than enough to cover the repair however, the Synchrony Bank representative told me I could not use the card for my current repair purchase and had to wait until I received the card in the mail to use it. I would not have spent the time opening the card if I could not use it for the current repair purchase and take advantage of the 6 months same as cash offer. I have no complaint with the service person at Pep Boys. He was very patient and accommodating. I do have complaints about the attitude of personnel at Synchrony Bank.

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 2020-03-20
Company: JPMORGAN CHASE & CO.
State: KY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried to file a dispute with Chase on a Southwest Visa Credit Card and have been on hold a combined 4.5 hours with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Sortis Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Following up on complaint No.  XXXX . Please reference all documents and summary regarding this claim. Unfortunately, we just received notice by email from you it has been closed due to receipt  from Clear Springs (  response attached ). This was just a paper shuffle. I would appreciate the opportunity to speak to a member of your staff to discuss the avoidan ce by Clear Springs  to settle this short sale.  XXXX   XXXX   XXXX  has offered {$8000.00} to payoff the 2nd ( HELOCK ) and close out this file.  Clear Springs  would rather have foreclosure filed by  XXXX  and wipe out their receipt of any payoff amount. Very conceited approach. Homeowner distressed by this process!     Please phone my on my cell at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
Never received notice to dispute. Midland Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: GA
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:
this account was paid and closed but still shows as negative on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-24
Company: Ascension Point Recovery Services, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband died XXXX. He had a XXXX XXXX XXXX XXXX for aboutXXXX XXXX and a XXXX XXXX XXXX for about XXXX . The XXXX XXXX XXXX was sent to ascension debt collectors. I paid 2 XXXXXXXX XXXX payment to ascension because they made me feel guilty but Ive found out the debt died with my husband. Ascewants to talk to my lawyer but I dont have one. Thats about it so far. They are very rude

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: Progressive Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has continually tried to call my phone and say they were calling me about an important business matter.  One woman c alled today and I answered the phone and asked her what the call was pertaining to and she hung up in my face. Then I call back and ask the same question and the lady was ubseenly rude and told me that she needed my whole social security number. I told her I do not give that information out over the phone and that I had previously had my identity stolen as a kid. She sais, '' we will continue to call you until you give me your social security number. '' I said, '' then take me off the call list '' and I hung up on her. Also, when I called back I heard the automated system say progressive financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: AFNI INC.
State: ID
Product: Debt collection
Sub-product: Other 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 collection notice dated XX/XX/XXXX from a company called " afni '' in XXXX, Illinois. The notice is attempting to collect a debt for XXXX for a company phone I was issued by my employer at the time, XXXX XXXX The managers didn't want the phones, we returned the phones in XXXX and our employer covered the costs. 

I spoke to XXXX at afni this morning, who told me the debt of {$94.00} has been reported on my credit reports, that he would indicate the debt is disputed but wouldn't guarantee the debt would cease being reported to the bureaus. The debt is invalid! The debt is from 10 or 11 years ago. Please advise afnit to cease and desist immediately. 

Please contact me if you have any additional questions. Thank you very much for your assistance with this matter

Company response to consumer: Closed with explanation