BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-29
Company: AUTOMOBILE ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
The American Automobile Acceptance Corporation ( AAAC ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, XXXX, and XXXX  ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX XXXX for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the American Automobile Acceptance Corporation have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the AAAC is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, AAACs four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.

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 2021-03-02
Company: AES/PHEAA
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: EQUIFAX, INC.
State: SC
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:
as per the Fair Credit Reporting Act ( FCRA ) section 609 the credit reporting agencies have failed to remove outdated or unverified negative items from my credit report. Nor has the credit reporting agency nor collections agency have supplied to documented proof of the debt. Instead they rendered comments via my credit report such as : Dispute resolved reported by grantor, Account Previously In Dispute - Now Resolved - Reported By Subscriber, and Consumer disputes this account information Collection account Account previously in dispute - now resolved by data furnisher I had reported the fraud several times and no response and it is causing a gross impact on my credit worthiness. I have credit lines and have never missed a payments. I did not open this account nor did i agree to this service, my information was used in a fraudulent manner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent letters to each bureau disputing inaccurate, unverified, erroneous items on my report. As of today over 60 days later I have not received any results nor investigation status. I told each bureau my information was compromised by the XXXX data breach and I feel more than ever that my information may have fallen into the wrong hands. Your assistance on this matter is greatly appreciated. At this point I feel like just another number instead of person. I don't know what else to do.

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 2021-03-02
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
again i reach out to the phone number on credit report but no answer, disconnect or agent cant share detail information with me about debt - request itemized statement was told but i owe {$1900.00} for something from XXXX nc back in XXXX - no way to send bill to me I have been living here for 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan, currently serviced by XXXX XXXX, has been in an Income Driven Repairment plan up until XX/XX/2018. On XX/XX/2018, I received a letter indicating that I had to submit a recertification to stay in the Income Driven Repayment program. This letter stated that the deadline for submission of all materials was XX/XX/2018. I completed a paper application which was received by XXXX XXXX on XX/XX/2018, however, was notified that it was missing a specific piece of information ( the frequency of being paid ). I called on XX/XX/2018 and verbally advised that I was paid biweekly. I was told this would be added to my application and my application would be processed. On XX/XX/2018 I called to check on the status of application. At this time I was told that my prior phone call had been " noted '' on my account, however, the application was not forwarded for processing. I was then advised that the application would be now be entered into pending status as of XX/XX/2018 ( still well before the XX/XX/2018 deadline explained in the XXXX letter ). On XX/XX/2018 I called again and was assured that my application was complete and was being expedited for processing. Without explanation or indication my application had been reviewed, I called again on XX/XX/2018 and was told that it was too late, the bill from XXXX had been generated at the full 10 year repayment plan rate ( a monthly payment of greater than {$4000.00} compared to my income driven repayment amount of less than {$400.00} ). I was given no explanation as to why my application had been delayed despite being told previously that it was complete and on time.

I submitted all my materials on time and was told multiple times that my application was complete and ready for processing. However, due to internal miscommunications and incorrect information given to me by XXXX XXXX, my Income Driven Repayment Plan application is delayed forcing me to either pay 10x my monthly payment ( which I can not afford ) or defer the XXXX  monthly payment and thereby delaying my Public Service Loan Forgiveness repayments. I feel like I did everything right and due to their own mistakes I'm left owing thousands of extra dollars on my student loans. If any consumers are reading this - if there are any issues with any application of any type call two times per week and take notes on every phone call until your application is actually processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold in XX/XX/2020 from Ditech to Shellpoint. The new account instructions stated that any pending payments to Ditech would be credited to the Shellpoint account. My next two payments apparently went to Ditech and were NOT forwarded to Shellpoint. I have spoken with Shellpoint repeatedly, and provided bank statements showing that all payments were made on time, and requesting an investigation to trace the payments that were misallocated. While they continue to say they are investigating, they have reported my account as 60-90 days overdue for the past nine months while they " investigate '' in spite of the fact that I continue to pay each month on time. My credit score has dropped almost 200 points for this erroneous reporting, and I received a letter from Shellpoint threatening foreclosure. When I contacted the Point of Contact referenced in that letter, she advised it was a payment dispute, not a foreclosure issue and she could not assist me. I asked to be put in contact with the appropriate person and she only gave me the general corporate email account. I continue to try to reach Shellpoint regularly to learn the status of the investigation and they will not respond. 

Ditech, for their part, apparently updated their online records system and deleted my access to my online account as of the date the note was officially sold. They have no further information they can provide me and continue to tell me to request Shellpoint investigate directly.

Other creditors have cut my limits and closed accounts due to my current credit score, which is based solely on Shellpoint 's misreporting of my account as past due, rather than considering the two misdirected payments independently.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: AZ
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 received my credit reports XX/XX/2018. Since that time, I requested a debt be validated on my credit report via the collection agency, XXXX XXXX XXXX based in XXXX, Az. Not only did they not validate the account, they created a FALSE document reflecting a debt to XXXX XXXX XXXX of {$25.00} + 4 years of interest, they supporting documentation WAS ANOTHER PERSON 'S INFORMATION ALL TOGETHER - including their NAME, DOB, HOME ADDRESS and SSN!! 

I sent that in to XXXX as proof that the account could not be validated and should thereby be removed. XXXX broke the law and did not remove the account. 

I had since received a letter from XXXX XXXX Apartments stating the account is to be removed from my credit report. I uploaded the letter twice - once on XX/XX/XXXX & again on XX/XX/2018 to XXXX Credit Bureau - The only ones reporting this erroneously - for them to delete the entry. They pretend that although the letter was amongst other uploads they received, they seem to never have received this ONE letter. 

XXXX Credit Bureau is reporting false and inaccurate information on my report and is not following the established rules and statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my vehicle loan off in XXXX of XXXX. I have never received a lien release on this vehicle. I have called the company in XXXX of XXXX to inquire about getting my lien release sent to me. I have called about 5 different times and still haven't received my lien release. I am needing to sell this vehicle and as it is sitting and depreciating for months. I keep being told they are working on it and it is going to be 7-10 business days each time I call. The last time I called on beginning of XXXX they said it was sent on XX/XX/XXXX, which was a Saturday. It still hasn't arrived. And they were going to put another request in that I should have received it in another 7-10 business days. Now it is another month later, which now has been going on 3 months I still have yet to receive this letter to be able to sell my vehicle. And the department that does the lien releases do not take phone calls and are only done via email. And I can not be copied on these emails to know it is being sent. 

Worst customer services I have ever dealt with. And I bought my vehicle in XXXX brand new off a truck. Will never do business with them again.

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 2018-07-25
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received the loan in XX/XX/XXXX and paid it off in XX/XX/XXXX. When I called to get the payoff I was told I would be charged a {$30.00} fee, which would be added to the amount I owed, to get the payoff figure. I called my loan processor to question this and he said it was probably the fee to have the lien released. When I called the mortgage company back I was told there was a separate fee to release the lien and the {$30.00} was for them to provide the payoff balance. The {$30.00} is listed in the payoff statement as a " statement fee ''. There is no mention of this fee in my note. I can provide copies of my note and the payoff statement if necessary.

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 2019-02-28
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A Family member stole my identity and used there medical condition to create a utility bill under my name with out my knowledge i was not a resident at the time either and i got a phone call XXXX of 2018 saying i owed XXXX i disputed it but i also no longer live in the state of said incident and want the debt removed cause it was never approved by me, The Electric company is Until Based in XXXX mass, The person whom stole my identity is XXXX XXXX XXXX my father

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: IL
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 XXXX of this year 2022 Credit reporting agencies were made aware of fraudulent accounts & incorrect information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal complaint made by me XXXX XXXX not by anyone else. I used the guidelines set by the ftc. So i sent in a file to the credit reporting agencies and they completely disregarded my disputes and did nothing or even respond

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Mr. XXXX XXXX of the Charles Schwab Advocacy Group by letter dated XX/XX/2018 told me that one ( 1 ) person at Charles Schwab closed my accounts! One person! There were no controls to prevent this! 
The person angry with me because of my request that she refused to honor to add my middle name of XXXX my name on my checks in spite and with vengeance closed all my accounts! Mr. XXXX later reopened my accounts but again this person closed them! One person was able to lose my accounts and place my financial situation in absolute turmoil! No supersivion! No controls! No nothing! All done by one lone person!

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 2021-03-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've contacted Suntrust ( Truist ) in XXXX prior to my property tax being due. They assured me that they would be in contact with my city and they would use the escrow to pay the taxes. In XXXX, I found that the supplemental bill was not paid and now late fees exist. I contacted Suntrust ( Truist ) once again in XXXX after finding out that multiple tax invoices were not paid! A representative informed that Suntrust Mortgage will be in contact with my city and pay the taxes and that they would be responsible for the fees. The representative then proceeded to inform me to contact them again in late XXXX for an update. Fast forward to late XXXX and I contact them, yet I start having issues with getting ahold of anyone. The phone system fails and the wait time is 30 min. I begin emailing them and still no reply. Finally, once I get ahold of someone I am disconnected and they do not call me back. I contacted my city and my city is still expecting three outstanding equaling to be about {$4000.00} dollars. My city informs me that the only payments they have received is interest payments. So, I need confirmation that the interest payments are not being charged to me and that Suntust is paying them and are being held accountable. I need explanation as to why it is taking them so long to pay my city since interest is compounding. The Suntrust web portal has line items on my account mentioning the late fee payments which leads me to believe they are passing those late fees off to me and thus not motivated in paying my city anytime soon! My monthly mortgage payment increased because my escrow doubled. I have not been given an explanation on the mechanics behind the increase. I have not received an explanation as to why its taking them so long to pay my city. I need transparency and I need help having Suntrust held accountable. I am will to exhaust all efforts in making this right. I hope they are as motivated as I am!

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 2022-08-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The following inaccurate personal information is being reported by the credit reporting agencies and violating my rights in accordance with the Fair Credit act : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dept of VA Department of VA XXXX VA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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 been a longtime customer of XXXX. I made sure on my shipping details that I said : put package behind brown gate on stoop. I received two items ok, but the third, which I really wanted, was missing. It was supposed to be delivered yesterday. Yesterday morning tracking information read, there is a problem. The problem was that the driver left my package off his truck. Later in the day it showed he delivered this package with my two cd 's at XXXX XXXX. Upon checking behind my gate, there were no packages. I called XXXX customer service and they said maybe he delivered it behind another gate. I said how could that be!! My address is written clearly on the front of the building and mine is the only brown gate there. I asked to speak to a Supervisor. A woman named XXXX who said she was head of Logistics got on the phone. She was rude and condescending to me. She kept saying this package was delivered and I said where? I don't have it. She said I can't help you. You will have to call back after XXXX XXXX. I might be able to issue a refund. I said, I DO NOT WANT A REFUND. I WANT MY PACKAGE. She repeated this at least six times to me and I responded the same way. She said maybe it was stolen. I  said that makes no sense because my gate is locked. She kept coming up with excuses instead of contacting the driver to find out what he did.I have never dealt with such an arrogant person as this at XXXX before. I have an XXXX and XXXX XXXX XXXX. I made sure I took care of customers. I told her I was reporting her to various agencies. She didn't care. I even reported this to XXXX customer service and got no where. If this is the way I will be treated going forward, I will refrain from doing business here. I Never in my life had someone like XXXX tell me to go looking in the bushes. What bushes??? The neighbor 's bushes??? Is she crazy. Maybe I should go to the media with this. I am outraged with this person and the whole situation.

Company response to consumer: Closed with explanation