BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023 Experian responded to my CFPB Complaint concerning an investigation on unverifiable and inaccurate accounts from XXXX : # XXXX and XXXX XXXX : XXXX XXXX, I also provide a list of 15 USC Laws of reporting violations. Experian stated that 'We already have reinvestigated this information with the data furnisher. They responded and verified the accuracy of the disputed information '. Please provide me with the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my 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 2021-03-09
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am a respected professional in the community and have spent my life building a positive reputation. Nevertheless, I have been informed that you have been maliciously spreading inaccurate and unfounded information that is damaging to my personal and professional character. 

1 ) At the time GM repossessed the XX/XX/XXXX XXXX XXXX, I was not made aware that I was in default. Furthermore, I was not notified that because of the default the XX/XX/XXXX XXXX XXXX was at risk of repossession. These conditions were stipulated in our contract. 

2 ) GM Financial did not notify me prior to selling the XXXX  XXXX XXXX. This is another condition stipulated in the contract and it is also required by State Law : Florida Statute 537.012 ( 3 ) 3 ) GM Financial sold the XXXX XXXX XXXX far below the Market Value for that vehicle. According to my estimates the market value should have been {$7700.00}. That would have paid for any default prior to GM charging off the debt.

4 ) GM Financial breached our contract in that they charged me {$100.00} for late charges. Our contract states : Five percent of the part that is late. My payment was {$270.00}. So a late charge would be {$14.00}. GM forced me to pay {$2400.00} over our contractual agreement to not repossess the vehicle. They caused the financial hardship to my family that forced the repossession.

GM breached our contract that stranded me and my family. GM sold the XXXX  XXXX XXXX without notice and far below market value. Now GM Financial is reporting inaccurate information to the credit bureaus to injure me. Under the laws in the State of Florida, it is unlawful for an individual to make deliberate statements that intend to harm a persons reputation without factual evidence or based on hearsay. The defamatory statements include, but are not limited to, the following : the damaging, injurious, slanderous comments, content, and depictions GM has been reporting / publishing to the credit bureaus. 

GM Financial sold the XXXX  XXXX XXXX far below the Market Value for that vehicle. According to my estimates the market value should have been {$7700.00}. That would have paid for any default prior to GM charging off the debt. GM Financial fabricated a debt that they have already charged off.

I presume it is their business model. It is similar to a Federal Court case they lost. Apparently GM Financial does this exact same routine on a regular base : They repossess a vehicle then force their customers to pay inflated fees and inflated prices of the vehicle to remove it from their credit report ; at the same time receiving the tax benefit of charging it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX had inaccurately reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681eb because it is not accurately reporting and demand this late payment be updated to paid as agreed

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2023-10-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan was paid off and title to vehicle was issued and received with no lien recorded. A cease and desist letter was issued after continued harassment pursued. Loan amount was {$39000.00} and {$45000.00} was paid due to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I signed up for an XXXX XXXX Bank of America credit card years ago. When I received the card, I set up my account so that there would be 'automatic payments ' deducted from my checking account for the full balance each month. It worked as it should for many years. 

Then, Bank of America canceled my automatic payments. I did not realize this until after I had missed two billing cycles, so I had accumulated late fees and interest. 

When I called Bank of America on XX/XX/23, they told me that I had deactivated automatic payments on XX/XX/23. This is not accurate. I did not do this. 

I requested that they reverse the late fees and accumulated interested. They emailed me on XX/XX/23 to notify me that they declined my request to remove the fees and interest.

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 2023-10-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan was paid off and title was received with no lien recorded. Loan was for {$40000.00} on XX/XX/23. A cease and desist letter was emailed to Chase Auto due to the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
The company I am receiving a loan from failed to add the closing costs of the transaction to the loan after I specifically requested that they do so. 

On XXXX XXXX, I discussed with my realtor that the closing costs would be difficult for me to cover and that I would like to add it to the loan. He spoke with the loan depot representative and they said it would not be an issue and relayed to me that it would add {$8.00} to my monthly rate, which I was absolutely fine with. 

On XXXX XXXX, however, there was an update appraisal on the house, noting that it was {$10000.00} less than the asking price. The seller agreed to the new price and new documents were made, however Loan Depot failed to add the closing cost we'd discussed on the XXXX to the new loan and failed to inform me and to run down the new rates before the closing signing occurred on XXXX XXXX. 

All documents were signed, in what felt like a very rushed manner and in a way I did not feel I had adequate time to review at XXXX on Friday, and after I left the building with the keys, my realtor called me to inform me that there was an issue, that {$2100.00} that I'd requested to be added to the loan was not added, and I would have to wire come up with this money and pay the closing cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Pinnacle Asset Management, LLC
State: MS
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was first contacted by Pinnacle Asset Management ( PAM, LLC ) on XXXX XXXX, XXXX. The guy ( XXXX XXXX ) told me that I had a online loan of {$150.00} from XXXX that I owed for and since it had been so long, with late fees, etc. the amount I owed was nearly {$400.00}. He told me it was scheduled to go to court in XXXX XXXX ( the county I lived in at the time ) on XXXX/XXXX/XXXX. He told me if I made a payment immediately he could settle for {$270.00}. I told him I did not get paid until Friday but then I could pay it. He told me I had to go ahead and give my debit card info and he would run the card on Friday and if I did not do it then it would go to court the next day and my wages would be garnished. I asked him how did I know he was who he said he was. He got really defensive with me about it. I ended up giving him a card number from my XXXX XXXX card. After we got off the phone, I called the original collection agency who had the account and they said it sounded like a scam to them. At that time, I cancelled my card immediately. This is wrong to scare people into paying something that could or could not be legit. He scared me so bad I was willing to not pay other bills I owe to pay this and keep from going to court or getting my wages garnished. I went to XXXX to check the number he called from and got information that this is a mobile phone with XXXX. When I asked him why he was calling from a cell phone he told me he was not. This business is lying to people and misrepresenting themselves!!! I almost felt like it was personal with this guy that he punish me for my XXXX debt that I am not even sure still exists. I am still looking into it.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-08
Company: Law Offices of Goldsmith & Hull A.P.C.
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I reached out to Goldsmith Law Office. I talked to XXXX. She states would send out in writing in detail by U.S. mail, the Student loan debt I owe, that was on Friday XX/XX/2017 between XXXX and XXXX CST. She said that she would send documentation and I told her once I receive this I will make arrangements to set up a payment plan. I called back Monday XX/XX/2017 at XXXX XXXX CST, to see if documentation of my loan and amount that I owe can be sent to me in writing and she was acting like I never spoke with her. So I am taking this measure to get paperwork in writing sent to me. Last XXXX numbers of my case is XXXX. 

The Establishment name and address is Goldsmith & Hull Law Office- Attention XXXX XXXX, CA XXXX Office # ( XXXX ) XXXX XXXX Direct Line ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 2017-04-05
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a Co signer on my daughters loan from Navient. My daughter became XXXX shortly after graduating and I made interest only payments for a few years. I recently retired and the loan amount was raised to {$260.00} a month. Many calls to navient by both my daughter and me with all our financial and each time was given some hope of lowering the payments to make them manageable. Each time they took {$50.00} to put us in forbearable and then let us know they could n't help. So instead I will struggle and at some point not be able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My business debit cards were stolen from my mail box, my bank had sent my debit cards with ( factory pins ) to my business address, I had no knowledge of this until the day the transactions happened. ( I had no knowledge of this because i still did n't have access to my mailbox, i was waiting for the landlord to give me the key for the mailbox ). I contacted my bank as soon as possible and reported the incident but i was asked to wait until the transactions posted. I had also requested that all the cards linked to my account to be cancelled immediately but the representative failed to do one of them so more transaction posted the next day.

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 2019-10-15
Company: AES/PHEAA
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Student loan was initially through XXXX. I had applied for student loan forgiveness. Loan was transferred and during this process the loan appears closed on XXXX XXXX and my credit score went down 32 points!! The account is apparently still active as I still have a balance of XXXX dollars and I still have a payment due as of XX/XX/13. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX customer for agreement period of 3 years XX/XX/XXXX-XX/XX/XXXX. Let service continue till I relocated in XX/XX/XXXX. XXXX claims I owe a cancellation fee. I asked for copy of contract and supporting documents from XXXX and Receivable Performance Management. XXXX says they have none but to look at their website for policy. I said show me agreement from XX/XX/XXXX when i enrolled. They turn over to collections which hit my credit report XX/XX/XXXX. No notification, warning. Received call from collection threatening if I dont pay they would report to credit bureaus. This call took Place XX/XX/XXXX. Thus 3 months after it had been placed. Want this removed from my perfect credit report at all XXXX bureaus. Receivables Performance management is Collection Co out of WA state. Thank you for the time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I asked for verification of XXXX debts from them. Never got verification. Just a letter stating that it was frivolous and will not investigate. They just closed the accounts and charged it off on my credit. That tells me they have nothing to state i owe them. I never signed a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My lender has lied on three different occasions when reviewing me for a loan modification. I have confirmed three times that they had documents such as a divorce decree. Three times I have been told afterwards that they do not have it on file. They are not following the law and properly reviewing me for modification. At the same time, they are pursuing foreclosure. This is dual-tracking and the bank should be fined for the illegal practice, as well as being forced to give me a loan modification. I have been sending documents over and over for over a year. They lie and lie so they can take my home. 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Wells Fargo bank is withholding emergency financial expenses due to the the bank monthly fees charge the check account The account isnt eligible for overdraft protection The reason the hold is on the account is because of the overdraft being caused by the monthly fees for the account I have evidence to support the fact I am not able to overdraft due to Account agreement disclosure I also been discriminated against by the banks customer service bankers negligence and placement of the delay causing server complications I been receiving different advertisement and information regarding resolution of this issue

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