BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: EQUIFAX, INC.
State: NY
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:
Hello, I had my installment loans and late payments deleted by the XXXX XXXX  XXXX XXXX and now my account Is in forbearance. XXXX deleted the XXXX XXXX XXXX   off my report due to the fair credit act. Equafax deleted the XXXX XXXX XXXX off my credit also but now there back on there. I have no current balance open with the XXXX XXXX XXXX nor do i have late payments open because my account is in forbearance. I will submit proof of every thing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had an auto lease with GM Financial for 5 years. I have it set to auto pay through my bank. It has paid every month, every year for 5 years. Until XX/XX/XXXX, when GM Financial contacted me to tell me I hadn't paid. I checked my bank statement, I checked with my bank and confirmed GM received the payment on XX/XX/XXXX. 

GM had provided an incorrect number on the voicemail, their website was incorrect and I had to research to find the correct number to call. 

After several hours speaking with several representatives over the course of SEVERAL DAYS, I faxed proof of cleared funds, and a TRACE ID to show they received it. 

They did not research or look for the payment, but continued to harass and demand payment. 

Finally, last week around the end of XX/XX/XXXX I spoke with XXXX from GM and she located the payment in their " old '' system and stated she took care of it. 

Then, today around XXXX XXXX EST I received a cryptic message with no company information or name, just to call. I called -- the number picks up and places you on hold. 

When someone finally answered, after a full 5 minutes of waiting to learn why they were calling, I was informed they were calling demanding the payment AGAIN. 

I have been harassed by GM for nearly a month now. I have been accused of not paying, my credit is threatened by their incompetence and I have now been only hold for over 20 minutes with no resolve. 

I'm being forced to go through this over and over and over because of their improper system migrations, failed customer service and incompetence. 

I can not be the only consumer this is happening to. 

To further confuse the matter -- they have changed phone numbers and addresses and failed to notify their consumers at all -- in addition to not properly reconciling their payment systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: Veristone Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I secured a real estate construction loan with the lender, Veristone Capital, LLC to finish my renovation of my personal residence. They told me that I had to say it as not my personal residence in order for me to get the loan. I agreed then that I would complete the renovation with the funds and sell the home. However, they have been withholding my draw request funds and making it difficult to complete my project and get the home on the market. This is causing me to pay high daily interest and more and more fees as well as I have now lost critical market time. They charged me over {$10000.00} in loan origination and junk fees as well as an interest rate of 12 %. Now they are trying to string out my loan in order to keep the interest only payments of over {$2000.00} a month coming into their company. I have spoken and emailed the following individuals countless times and they contradict what they tell me each time ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Accounting & Draws Department countless times over the last few months as they started to drastically shorting me on my draw request reimbursements and now owe me over {$6000.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Arcadia Holdings, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Repeated SCAM robocalls from XXXX XXXX ( or XXXX? ) at Arcadia Recovery Bureau at XXXX or XXXX. No such debt exists now or ever has.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not open an account with this creditor.

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 2020-12-03
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with the senior manager of the Office of the President ( corporate office ) of XXXX XXXX XXXX who after supplying them with the tracking number for the mobile phones stated that the account would be reduced to a {$0.00} balance. He stated this would be done within 24 hours ( on XX/XX/XXXX ) yet the collection account remains open. Email thread attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Nationwide Recovery Systems, Ltd
State: LA
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute NATIONWIDE RECOVERY SY XXXX Date Opened XX/XX/2020 Balance {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: ALLY FINANCIAL INC.
State: AR
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 name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on ALLY FINCL. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

ALLY FINCL XXXX Opened : XX/XX/2013 XXXX XXXX : {$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 2021-03-25
Company: Sovereign Lending Group, Incorporated
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021 I responded to an offer of credit and asked for more information after talking with them my current mortgage holder told me that they would match the rate they were offering and not apply any origination fee or closing costs. In one of the phone calls with Sovereign Lending Group I told them this and they kept telling me that this is the same thing they were offering but when the disclosure were mailed it in fact was not. I asked them to stop contacting me several times as I was going to stay with my current lender because they can match the rate and not charge all of the XXXX dollars in origination fees for closing the loan. I have sense answered the phone several times they always call from a different number and it is a different person but it is always a 949 area code. I told them in the beginning of XX/XX/2021 that I did not appreciate them calling me so much as I would about XXXX hours a week and that under no circumstance would i do business with someone that operates with such predatory practices. I work in XXXX so I understand that people dont always take no for an answer and often respect them for trying but this is beyond that. Subsequently after I told them I was going to stay with my current lender they pulled my credit again at the end of XX/XX/2021, they responded by saying they did not request it. The biggest problem is the high pressure tactics have moved to harassment over the past 45 days and do not feel comfortable that this company is going to safeguard my information because I have not done business with them. I have a myriad of emails and overnighted envelopes, and wonder what they are able to push XXXX folks or people that come from a different socioeconomic background. I imagine that an audit into this companies practices would reveal many violations and really all I would like is for the harassment to stop and my information be stricken from their records. Also they need to to remove the additional unauthorized inquiries that happened in the end of XXXX The employees that I have names for are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I have more letters but the issue really is the verbal communication and the crazy amount of phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I received " important notice '' from Focus Financial Services, a debt collector. 
F.F.S. received my dispute letter on XX/XX/2021. 
Today, XX/XX/2021, I did not receive anything from F.F.S. so far. 
Is there a deadline by law that the debt collector have to respond to a dispute letter? 
Also, on the F.F.S. notice letter dated XX/XX/2021, I did not received enough information about the alleged debt. 
More so, I did not receive any information about all the info I was asking to F.F.S. on my dispute letter dated XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was paying HRRG the collection agency payments but turns out they are fake and XXXX are the ones that were handling my debt but they had the wrong address for me so I never received anything from them but instead I received information from HRRG

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 2020-05-14
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$530.00} XXXX XXXX {$2600.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX  XXXX {$17000.00}

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 2020-05-13
Company: Santander Consumer USA Holdings Inc.
State: MA
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:
This is for Chrysler Capital Financial on actually 2 different loans one was a lease and one was a loan. The first for the lease is they over charged us when we turned in our lease in XX/XX/2020 and were sending out a refund of {$370.00}. It took them until the very end of XXXX and several phone calls later to get the refund in the form of a debit card from Chrysler Capital, and they deducted {$150.00} for excise tax for the entire year of 2020. We turned the lease in XXXX the tax should have been {$9.00} but they refused to ask the town for an abatement for the year. We could not do this because it was a lease. The vehicle we turned our lease in for in XX/XX/2020 was totaled on XX/XX/2020. The at fault party 's insurance called twice for a pay off once in the beginning of XXXX then again on XX/XX/XXXX because the first one expired on XX/XX/XXXX and they did not meet that deadline. During this time we had made 2 payments and also had a refund credited to our account because we were able to cancel the extended warranty. The insurance paid the full payoff amount to Chrysler and now they are saying we owe {$3000.00}. They reversed the payments that we made ( they have already cashed and received the money for ) and charging us late fees and interest. Both these loans are also still on our credit and have had no recent reporting. This company currently holds an F rating with the better business bureau and should be investigated for fraud and abuse. These loans should be closed and paid in full at this point. We have called several times spoken with all different departments and there is always a different answer. As it stands now it is in review with their accountant department. What concerns me is how many people don't catch these things? how many innocent people are being robbed by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I was told if I set up auto pay and had a bank account with Wells Fargo that the interest rate would be less. Interest rate is 5.99 %. My loan started repayment XX/XX/XXXX, and I had about {$10.00}, XXXX balance. I am paying more interest each month than principal ( which is definitely not 5.99 % ... more like 55 % ) and the interest is not decreasing as principal decreases. As an example, I paid over {$1100.00} in interest last year and only {$460.00} in principal. I have called several times to see how I can pay sooner to get the principal lower and therefore pay less interest but can not get a straight answer. Since my payment is due on the XXXX of each month, I tried paying on the XXXX for the following month ( to pay ahead and therefore pay less interest ). They then still took the auto payment on the XXXX, which should have then been all toward principal ( but they still took interest ). I'm being told interest is compounded daily but the paperwork I have says APR and it was very misleading. They assessed a late fee when I wasn't late ( I had auto pay ) and the management has been horrible. Now, I received a letter that they are getting out of the student loan business ( which they should because they are ripping off students ) and selling the loan to XXXX XXXX, a division of XXXX as of XX/XX/XXXX. I feel they should be held accountable for their fraudulent practices and my account should be adjusted correctly. If I compare my Federal student loan ( which is at 4.66 % interest APR ), the computations are totally different between the two. Upon researching Wells Fargo, I see many complaints regarding their student loans and it isn't right that they are just getting away with it and selling out our loans to another firm ( although I am hoping that the management is improved ). I will be looking to refinance as well because I can not afford to be paying for a year and have paid twice as much interest as principal. Please help.

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: EQUIFAX, INC.
State: TN
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Comenity bank-financed my dental financial account. I recently learned that they took {$200.00} off my credit limit and took away the nearly {$600.00} of available credit that I had. My account is current their excuse was that it was due to my other credit accounts being past due. But I have recently made payments on these accounts but they haven't been updated yet. My bank closed my checking account on XX/XX/2020. This is why I was behind in making these payments. I am being punished by Comenity by losing my credit limit and even though my account is current with them they are still punishing me by taking {$200.00} from my credit & taking away the nearly {$600.00} of available credit I had leaving me with only {$5.00} There is always some mental strain being put on me through no fault of my own. And I get punished for it. This virus pandemic has caused a lot of financial problems. But to punish someone by taking away their credit because of a virus pandemic & raising their payment all through my account is current with them is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outragous amount of accounts that have been open or are ope. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BNKRUPTCY DISSMISSED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is breaking the law in multiple ways as identified below. Wells Fargo is currently being sued for these issues and if this isn't resolved we will move to form a class action lawsuit. 

Violation of law # 1 - CA XXXX has been expanded as of XX/XX/2018 to forbid dual tracking on short sale requests. Wells Fargo verified this property was under short sale review and illegally continues to have a scheduled foreclosure sale date. Stating the foreclosure is suspended while having a posted sale date is illegal, duplicitous move who's intent is to violate non dual tracking law. 

Violation of law # 2 - ( acting in bad faith regarding a real estate transaction ) Wells Fargo countered buyer to XXXX on short sale request. Buyer countered Wells Fargo to XXXX and provided a bid of XXXX showing significant damage to property. A value dispute was requested and performed by Wells Fargo. At the end of the value dispute Wells Fargo is legally required to advise buyer of their final result after value dispute is completed to allow buyer to respond. In this instance Wells Fargo decided to stay at their counter of XXXX however closed the short sale request prior to telling buyer they were staying firm. They informed buyer AFTER they closed short sale request causing harm to buyer and seller. Wells Fargo is legally required to allow buyer to respond to final offer which they did not. Wells Fargo did this due to an illegal pending foreclosure pending sale date of XX/XX/18 so Wells Fargo could charge foreclosure fees and act as a foreclosure mill. 

Wells Fargo has significant ongoing issues with non compliance. They continue to have these issues and should have their license pulled in CA rather than just freeze their ability to grow. Breaking laws and not doing anything about is unacceptable.

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 2021-02-22
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX XX/XX/XXXX PayPal restricted my account forever. Then told me I'll be able for withdraw my rest of money after 6 month. After 6 month I got email about my funds are eligible for withdraw. After that I started trying to withdraw my money. But still XXXX XX/XX/XXXX I can't withdraw my money. They're not letting me add bank account & not letting me withdraw my money. Already I've send them minimum 100 emails & 50 times I've talked with them on call. Each time they told me try again after 24hr or 72 hr. Everytime I got same suggest & email reply. Still I'm not able for add bank & withdraw my hard working earning money.

Company response to consumer: Closed with explanation