BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My husband and I took out a loan for a used care with Consumer Portfolio Services in XX/XX/XXXX. The terms of the loan were explained as a 72 month loan. During the course of the loan, we did extend the loan by changing the date and putting payments off to the end of the loan on several occasions. The loan was to originally mature in XX/XX/XXXX but was extended to XX/XX/XXXX. My loan is current and I technically have 3 payments left and late fees that we have accrued, that I can not and will not dispute. Once the loan matures and the late fees are paid, Consumer Portfolio Services states that I will still have an outstanding balance of over {$4000.00} of extra interest that has accrued due to the 10 month extension. 
After talking with the company on XX/XX/XXXX, they informed me that the extra {$4000.00} dollars accrued due to the fact that we have a loan that accrues daily interest. We were mis-informed about this when signing the loan back in XX/XX/XXXX. We were lead to believe that the loan would be paid in full once 72 payments had been received. 
We have already been charged an astronomical amount of interest due to CPS being a sub-prime borrower, and now they add an additional {$4000.00} in interest, that continues to accrue daily. We will never be able to pay this off, if the interest accrues on a daily basis. These subprime lenders are taking thousands of extra money from people that can not afford it to begin with. Our circumstances occurred due to a job loss and lay off, and we do not typically have this problem with paying our bills. I do not want to have to pay an additional {$4000.00} on top of what we have already paid. How can we resolve this without hurting my credit or having a repossession if we can not pay this extra?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2021, I received a phone call from Hyundai Motor Finance. I invoked my rights under 15 USC 1692 ( h ) and ( c ). I asked them to validate this alleged debt and cease and desist collection and the harrassing phone calls, until that was completed. I was put on hold for 43 minutes, I hung up. 
On XX/XX/2021, I was contacted by XXXX at HMF, and when I tried to invoke my consumer rights she laughed at me, said I needed to bring a balance current, and that she was trying to help me before I lost my car. I invoked my rights pursuant to 15 USC 1692 ( b ), ( c ), ( d ), ( g ), ( h ). She left me on hold a total of three times when I asked for management, she yelled, she laughed and mocked me, she then, after two hold periods, said she would put in my cease and desist, because I was " throwing codes at her ''. While laughing, saying that this wouldn't matter. I asked her to validate the alleged debt in writing, ultimately, after 42 minutes, I was transferred to XXXX, who said that I need to bring the balance " current ''. I invoked the same US codes, and he said he was ending the call. I do not feel this was lawfully or satisfactorily resolved. I felt harrassed and ridiculed. I have since sent an affidavit to the CEO XXXX XXXX by certified mail number XXXX. I also forwarded a complaint about my treatment. Again, I do not feel this was resolved. 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 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX is the servicer of my mortgage. Some late fees have accumulated on the account but all p & interest payments have been made. XXXX is reporting the account as late or past due for LATE CHARGES.

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 2022-03-24
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When my loan was purchased by Mr.Cooper on XX/XX/XXXX is was delinquent paying property taxes due to actions of the previous mortgage servicer. I called them to get them to pay the delinquent bill and the penalty associated with the payment being late. They paid the delinquent taxes and the penalty out of the escrow account on XX/XX/XXXX. I asked them to pay the late penalty of {$190.00} into my escrow account as they are responsible for late payment penalties. They have refused. I called back on XX/XX/XXXX and they still refuse to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
I had a lease for a XX/XX/XXXX XXXX XXXX with Chrysler Capital - account # XXXX. 

I recently checked my credit report and there was a 90 day late on my credit report for this account. 

I was NEVER late on my payments and turned this in without issues. 

This 90 day late is severely impacting my credit score. There is no date for when they claim the late payment was. This is incorrect information and I a requesting for it to be cleared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  Balance : {$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 2020-03-16
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Loancare refuses to answer any of my loss mitigation process questions, and over the last year has repeatedly denied me loss mitigation options that I was duly qualified for. Now that I have income again and am able to pay the mortgage again, the loss mitigation representatives are stalling and refusing to speak with me about my open application, which seems to be to the benefit of Loancare and their attorneys attempting to foreclose on my homestead property. I have repeatedly explained my situation to them and continuously updated them in good faith, however they refuse to comply with my requests and continue to foreclose, which threatens my job as I work XXXX XXXX and have nowhere else to go or funds to relocate. The servicer also refuses all payments until a highly unreasonable " reinstatement amount '' is paid, and continues to charge me unreasonable amounts of money, including over $ XXXX/month for their attorney.

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 2019-10-04
Company: Experian Information Solutions Inc.
State: TN
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 saw on the news about a data breach with one of the stores I shop at a lot. It alarmed me and caused me to check my credit. When I pulled my credit I noticed several things on my report that looked strange. After further looking, I discovered several things that are not from me. I have completely no idea where these things came from and would like them taken off. I reached out to the FTC and police in my city also. These need to be removed : XXXX, XXXX 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 2020-03-16
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: Account status incorrect

Complaint:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX not mine

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 2019-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I get electronic statements. I have scheduled payments with my Kohl 's Credit card a week before the payments are due. I wait 24-48 hours and then check my Kohl 's app and the computer website to make sure it was pending. The payments NEVER show as scheduled or pending under those options. Once I forgot I had scheduled a payment twice because of this. In calling Kohls each time, I am given deflective answers and have even been accused of " you're not looking at the system correctly ''. 

They have not fixed their system, though I have made complaints with them previously. I've attached today 's picture of my account screen shot on the website which is dated and time stamped in the lower right hand corner. The payment is scheduled for today as they were able to see on their end, and they had it in for two payments to be taken from my bank account?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
By XXXX XXXX2018 Bank of America claiming to change my Account from eBanking Checking to what they Call Core Checking which i did n't sign up on

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 2020-03-16
Company: MECHANICS BANK
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX ( Mechanics Bank XXXX XXXX Nevada financed the XXXX XXXX XXXX XXXX XXXX  I bought in XX/XX/XXXX. I am XXXX XXXX and a XXXX Veteran who has seen my work slow down because of the COVID 19 Virus, yet XXXX XXXX continually harassers me with phone calls every day, late charges which exceed 10 % of the amount due and charges for GAP Insurance. 
I have told the callers repeatedly I have requested a due date change, they keep calling, I sent an email to XXXX XXXX detailing the issue, they continue to call several times a day. 
I tell them I will Only speak with a Supervisor, a XXXX who Is Not a Supervisor then calls within the hour. This behavior is unwarranted and causing Me XXXX  and XXXX  I Do Not Need or Do I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Resurgent Capital Services L.P.
State: OK
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:
I have send a dispute letter to XXXX  and XXXX  stating the information being reported is inaccurate. A collection account reported by LVNV Funding is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and the payment status is 120 days late. This reporting is a violated the FCRA. I have disputed these items and my credit report still says the same thing. The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Also, XXXX wasn't able to properly verify this account. Please explain to me why XXXX  and XXXX  can when all three reporting agencies follow the same law?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Credit Clearing House of America, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Clearing House of America, Inc.is in violation of the Fair Debt collection Practices Act ( FDCPA ), in which have not validated derogatory information on my consumer credit report they added XX/XX/XXXX and reports monthly. 
This account does not belong to me and I have never signed a contract with this company. And they have never mailed documentation in reference to a debt, or contracts containing my signature or information. 
They are stating I owe them a balance of {$190.00}. 
A request for VALIDATION was mailed XX/XX/XXXX, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-08-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I enrolled in a rate reduction plan in which my payments were supposed to be approximately {$500.00} for 6 months. It was not explained to me that on the 6th month there would be a balloon payment of {$1000.00}. I only found this out once I was charged ( prior to the 6th month ) and I called to complain on XX/XX/XXXX and request a refund. I was told the refund would be received within 3-5 business days. That time frame passed and then I was told 5-7 business days. Today is XX/XX/XXXX and I am now being told customer service doesnt know why I havent received the refund and they cant tell me when I will receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: AZ
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:
in accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX : XXXX XXXXXXXX  # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-11-03
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
CMRE FINANCE ... ... ... ... When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
CMRE FINANCE I do not know what this is. I keep very close eye on my credit. This dropped my credit by 28 points and still don't know what its for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are 2 collections on my credit report from Portfolio Recovery that i've tried to dispute with this company several times this year because the accounts are not mine. After numerous attempts the company itself said that they verified that the debt was mine even though they did not show me any document bearing my legal signature on the document. So instead of trying to dispute the collections again I sent a settlement letter trying to have the collections removed from my credit in exchange for paying a portion of the debt owed. I sent the letters out of XX/XX/21 and received a generic response letter that stated the same thing this company has been telling me all year. It had a copy of a statement and a list of charges that they claim I made. The letter had zero reference or mention of my attempt to settle the debt and had no follow up to my request whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states, a consumer reporting agency, can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cost to believe that this information is an inaccurate.

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 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX and Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score..Please delete 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 explanation