BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found out that the company XXXX XXXX XXXX XXXX that financed my vehicle was involved in a Class Action lawsuit with XXXX. I received a postcard staying I was included in the lawsuit and would receive but not limited to loan forgiveness, defienciency waiver, and/or monetary payment. This debt was purchased by a collection company XXXX XXXX XXXX XXXX XXXX was also sued and shut down for unfair practices in loan collections. I was sued by XXXX XXXX XXXX who used law office Finkelstein, Kern, Steinberg and Cunningham to collect on the debt. I recently furnished the law offices all documentation showing the lawsuits and how I was part of the settlement and also Notified them that XXXX XXXX XXXX closed down, which no notification was sent to me yet they continued to collect payments from me. Now they're saying I still owe the debt and another company bought it from XXXX. I haven't received any paperwork from this new collection agency and I've disputed this debt due to the judgement of the class action lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: HYUNDAI CAPITAL AMERICA
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started receiving phone calls from someone last summer claiming that I owe a debt for a XXXX purchase of {$1700.00} for a account that I never even applied for. I told them that I do not have a XXXX account and this must be fraud. They asked me if I disputed the charge? I said I was disputing it because I never applied for this credit. A few months later i received a notice from a Midland Credit Management company. I Called them and asked when this account was opened and what did I purchase and from who? They told me It was opened XX/XX/2019 but they have no details about what it was for just that they were attempting to collect a debt. Last XXXX I received another collection letter saying that the debt has been investigated and I am responsible for it. I did not apply for this account I never received any bills or any kind of notification from a XXXX account. But they claim I opened it and made the charge the same day. I did not have any idea that this account was opened no statements emails or anything till they started calling and told me I was delinquent on paying XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XXXX my car was deemed a total loss from a car accident that we had at no fault of ours the insurance company provided their payoff amount to Southeast Toyota finance I also had gap insurance and they provided their amount there is a balance left of almost {$5000.00} since I am still being charged the full monthly payment even though the car was deemed a total loss. I have made numerous attempts to try and make a payment arrangement or a payment plan with Southeast Toyota financial and they declined all payment options other than the fact of paying the complete amount of XXXX within 60 days currently my husband is unemployed due to Covid and I was diagnosed with Covid and I am not able to financially come up with {$5000.00} in 60 days I have asked for a reasonable accommodation to make the payment plan I understand that the that is owed But I do not feel that 60 days is sufficient time for XXXX to charge off the loan and sent to a collections company and ruin my credit when I am willing to pay we just need some assistance in a payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
After making 16 payments to XXXX XXXX XXXX part of TD bank group I missed two payments due to a car accident I called and told them but they repossessed my car and wont work with me. They are very rude and unprofessional and wont help me out even though I a veteran and recovering from a car accident

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
in my repoort it states that my license is expired and it is not it is current .i think my name may have been misspelled the correct spelling is XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Kentucky Higher Education Assistance Authority
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Former student loan servicer, XXXX sold loan to KHEAA. I received a bill from KHEAA for {$50.00} due in XXXX which I paid and then KHEAA sent me a packet saying that my loan will be subject to treasury offset. I was wrongfully denied by XXXX the chance to rehabilitate my loan which they admitted to in an email. Also, I made timely payments to HESAA until I filed chapter XXXX in XXXX of 2019 and resumed payments in XX/XX/2019. I can not access my loan information and they will no longer service my loan over the phone and KHEAA can not be reached by phone and I also registered on their website and it says I am not permitted to view loan information though registration was successful. I am also disputing the amount of the loan as I do not have verification that payments have been applied to the loan and that the correct information was transmitted to KHEEA. My loan should not be subject to offset, it is current, I make payments and I was denied the chance to remove it from default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, XXXX XXXX in Colorado requested XXXX and XXXX Bank Statements from my son, XXXX XXXX, for a current home loan transaction. Upon receipt of the statements, the lender rep ( XXXX XXXX ) contacted XXXX regarding the " Undisclosed Account funds ''. XXXX contacted me immediately and we found that Chase ( in error ) had attached XXXX as an authorized user on MY Premiere Savings Account. This is my most private and sensitive account. XXXX was NEVER authorized to be on this account and now MY most sensitive account information is attached to XXXX XXXX Bank Statements going back months and years. 
I went into my local Chase branch to get the error corrected. After 45 minutes with the branch manager, I was told that they fix it going forward but couldn't fix it the history at their level and the issue was routed through Chase Internal Customer Service. I was contacted approximately 10 days later and told " to reference page 18 of my Deposit Agreement ''. My Agreement talks about CD 's and Retirement CD 's on page 18. Nothing about Chase attaching Unauthorized Users. I was also advised that I was " at the top of the complaint department and anything further would need to come from an external representation. '' I contacted XXXX XXXX Consumer help and was given email for the Chase CEO of Consumer Accounts. Her office sent my request back to the Internal Complaint department and 10 days later I was told again to refer to page 18 of the deposit agreement and that they wouldn't change the error history. My information will remain exposed to unauthorized users forever because it is against Chase 's policy to correct the historical statements. Even if they are in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: MB FINANCIAL, INC.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I paid XX/XX/XXXX payment on XX/XX/XXXX and was delivered on XX/XX/XXXX transaction number XXXX   and I paid XXXX payment on XX/XX/XXXX transaction XXXX and was delivered on XX/XX/XXXXXX/XX/XXXX according to XXXX. I paid {$140.00} both times to MB Financial electronic bill pay thru my XXXX   checking accounts. Both payments have been paid out according to XXXX records and MB Financial can not find the funds. Because of this my XX/XX/XXXX payment that was due on the first is now late and missing. I sent over proof of payments as well as my bank statements to prove that the funds were in fact paid out and they are not locating the funds and told me I should resend the money that is lost otherwise payment will be late. This is not the first time something like this has happened with MB Financial. 2 years ago the payments were on auto-pay and they for some reason stopped pulling the money straight out of my account with out notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
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:
On XX/XX/2020 I received a phone call from a car dealership regarding a purchase of a vehicle. I informed the dealer that I had not been to their dealership and was not in the market for a car. I also received alerts from Equifax Complete which is a credit monitoring service I subscribe to. I contacted Equifax and requested a Fraud Alert and to have my credit file locked. In all 4 Hard Credit Inquiries were generated to Equifax in this fraudulent activity. I again contacted Equifax by phone and advised them that we had several vehicle burglaries in my neighborhood to include my vehicle. Personal information was exposed. I was told by Equifax to file a police report regarding the identify theft and forward the report to them along with a dispute for the 4 fraudulent. I did exactly that. I received a response from Equifax that stated " Inquiries are a factual record of file access '' and they refused to remove the fraudulent inquiries. I again contacted Equifax by phone and was then told that I needed to file a FTC Fraud Report. I attempted to do so, but FTC does not take a report in cases where an account was not opened. 

Bottom line is, I did not apply for credit. The 4 inquiries are hurting my credit score which is making me once again a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My credit reporting agency, transunion, reported to me that a late payment was reported from you. Also, this month, XXXX, despite my automatic payment, I was charged {$5.00} for a late payment. Please remove this late charge immediately. My payment was NOT late. In addition, send me a copy of the so called policy change that you said I agreed to -- I have NO record of any change and of agreeing to this change. I need a hard copy of the change. In the future, you must notify the customer if FOR ANY reason you cancel an automatic payment. Agreeing to a policy change that does not explicitly detail that it includes cancelling an automatic payment is deception. If you want me to buy my next car or my son 's car at XXXX you must treat the customer respectfully and fully inform them of any payment change or policy change. Such a change should not be a quick click to gain entrance to a site. That is deception and manipulation. Please remove late fee immediately and adjust your policies to more appropriately inform customers of any change, such as a payment change. If you do not, you will lose me and others as a customer. Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My complaint is against Wells Fargo ... Tonight I learned an {$800.00} teller check was cashed on my account without my knowledge or consent. My sister is on my account and one month ago her purse was stolen out of her car. Today between XXXX-and close of business a check was cashed using her identity. When her purse was stolen she reported it to Wells Frago where we Bank. They closed her account and set fraud alerts. Not only did someone cash a check on my account for {$800.00} but they cashed a check for {$600.00} on hers. No check image is available. They cant even tell us what Branch this happened at. After being on the phone with them for 2 1/2 hours they are saying an investigation has to be done and we will not have our money back until it is complete. HOWWW are they allowed to do this when it was reported to them that her identity was stolen and they did not take the proper measures to protect our account! This has to be an inside job!!! How is this even allowed!

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 2020-02-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After recently being informed that a personal loan applied for was rejected, I visited XXXX XXXX on XX/XX/XXXX to order this year 's free credit reports. As has been the case over the last 2 years, all reports requested were received w/o incident except for Experian. The following CFPB Complaints have been filed over the last 3 years to address this problem : XXXX XXXX XXXX XXXX Credit reporting Unable to get your credit report or credit score EXPERIAN XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX XXXX Other personal consumer report Improper use of your report EXPERIAN XX/XX/XXXX Closed Feedback provided Although Experian promised to mail the requested report in its XX/XX/XXXX response to the above complaint, it was never received. Since my XX/XX/XXXX and XX/XX/XXXX online requests for my Experian Credit Report involved many of the same problems documented in the above CFPB Complaint, Experian has done little to address the concern. 

While successful in ordering the report via telephone, I'm also yet to receive my XXXX free annual credit report from Experian. Although the CFPB was copied on the attached XX/XX/XXXX letter request for my XXXX Experian Credit Report, I'm yet to receive it. 

Given Experian 's lack of compliance w/ requests for my free annual credit report, I pray that the CPFP will refrain from Closing this complaint w/o proper follow up and/or confirmation that the outstanding credit report requests have been cared for.

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 2020-05-21
Company: Experian Information Solutions 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:
I am writing to dispute the following information in my file : Item 1 : XXXX XXXX XXXX XXXX - Account XXXX Item 2 : XXXX XXXX XXXX XXXX - Account XXXX You will also find these items on the attached credit report. The item I have identified is inaccurate because I have never had a card for this company. Documentation can be account statements from the original creditor, payment history from the original creditor, a copy of the original signed loan agreement or a credit card application with terms and interest rates. 

I am requesting that this item be investigated and verified showing details necessary in order adequately reflect my true credit history on the attached report. 

I am asking you to reexamine this item and remove it from my file at your earliest convenience. 

Sincerely, 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
Consumer complaint received 2016-08-24
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As stated on the Consumer Financial Protection Bureau website, " Your mortgage lender is the financial institution that loaned you the money. Your mortgage servicer handles the day-to-day tasks of managing your loan. Your loan servicer typically processes your loan payments, responds to borrower inquiries, keeps track of principal and interest paid, manages your escrow account, and may initiate foreclosure if you miss too many loan payments. Your servicer may or may not be the same company that gave you your loan. '' Specifically, we are disputing a ) the identity of a true secured lender. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender to the alleged current lender. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender. I would also like to state that there is a difference between a LENDER, a SERVICER and an INVESTOR. We are specifically asking WHO THE LENDER is and this is the question that needs to be answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying since 2011 to remove a FRAUD ALERT that I do not recall placing. To date, I have been unable to remove this FRAUD ALERT. I've called the number only to get circled around in the voice mail XXXX. Several times it says I can place a freeze but I can't remove one which is exactly what the online data said. Every time I apply for credit that uses Equifax, they aren't able to process my application but it still counts as a hard pull on my credit report. I applied for a XXXX card 2 weeks ago and they weren't able to verify my identify and my credit score decreased 11 points just due to this. I've applied for credit four times in the last 2 years that uses Equifax including XXXX, XXXX XXXX and XXXX   and no one has been able to verify my identity and yet it still lowers my credit score but they never receive a report. Again, I've tried multiple times to remove this including the online system to no avail. The online system asks me my name, address, SS no, birthdate and then proceeds to tell me that they can't find my credit file BUT it asks me if I want to PLACE a credit freeze and actually will allow me to do so BUT to remove a freeze or FRAUD ALERT, they suddenly can't find my credit file. This is ridiculous! I've been trying to remove this ALERT since 2011 when I paid a {$40.00} application fee for an apartment but they couldn't get my credit file and of course I didn't get the {$40.00} refunded to me!!!! I WOULD RATHER HAVE MY IDENTITY STOLEN BY THIEVES THAN TO KEEP DEALING WITH EQUIFAX AND THIS FREAKING FRAUD ALERT WHICH I CAN'T EVEN GET REMOVED and since I don't know who is going to pull equifax, this is killing my credit score and I'm not being approved for anything. They responded that there is no security freeze but there is a fraud alert and this needed removing ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: EQUIFAX, INC.
State: PA
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:
Equifax, XXXX, and XXXX  are all reporting inaccurate information on my credit report. I've mailed Dispute letters twice to each credit bureau directly, once on the date of XX/XX/2021 which wasnt responded to in a timely manner according to the FCRA and once on the date of XX/XX/2021 in reference to these issues being disputed and resolved. It's now been over 60 days and they still have not taken action on the inaccurate information that's reporting to my credit profile.

Company response to consumer: Closed with explanation