BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I cosigned on my daughters call loan., He loan is financed with Ally Financial. She makes her monthly payments however she uses the 15 days grace period in order to stretch her money between pay checks. I am constantly harassed by calls from Ally financial throughout the day. We have told them repeatedly to only call if she falls 30 days late. I do n't want calls if she is in her 15 days grace period. They continue blowing up my phone day after day until the payment is made. Today XX/XX/XXXX I received 2 phone calls between XXXX XXXX and XXXX XXXX. I tried to tell the lady that called that she is using her 15 day grace perod. This woman talked over me time and time again until I got angry and told her she was making me mad as she talked over me. in the middle of me telling her to stop calling unless it was 30 days late she put me on hold Very rude and unprofessional. I can assure you my daughter will make her payments but I am tired of being harassed. They even call me on Sunday 's which I know is n't against the law but again I am tired of it. I think someone needs to look into how many times their dialer is calling customers as this seems like harassment to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: BMW Financial Services NA, LLC
State: MT
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:
XXXX financial - we leased a car from them and at the end of the lease ( XX/XX/2020 ) we were told we owed {$900.00} for lease end fees. Per the direction we mad XXXX equal payment total {$900.00} last payment was XX/XX/2020. XXXX does not invoice for thi amount nor do they tell you when its paid per their policy. XXXX year later my credit takes a XXXX point drop because XXXX say we owed them another {$1200.00}. Once again, they never sent us an invoice or tried to contact us. We I reached out XXXX about this they had already turned my account over to collections. I disputed the amount saying we were never told about this, but they said it was something that they missed initially and we had to pay it. I told them that wasnt a problem, but because they never told us, they should remove the collection status from my credit report and I would pay them the amount due. Of course I paid the money, but they didnt remove the collection status from my report and they did show I had paid them the money. I disputed the item on my credit report and they now show it paid and closed, but the collection status is still on there and effecting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: D2 Management LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX at XXXX EST I received a call from D2 Management Collections Firm from number XXXX the woman stated she was calling about a debt from XXXX. I asked what date and she became audibly annoyed and said XXXX. I disputed the validity and asked what specific date and she said XXXX, XXXX, XXXX and then she said " SIR, we've talked to you about this before '' I said, " When did you talk to me? '' Concerned that my identity had been stolen because I've never spoken to this company and she said " You just need to stop asking questions and PAY YOUR DEBT! '' then she hung up on me. 
Confused by the treatment I called back at XXXX and was hung up on. I called back at XXXX and was hung up on. I called back at XXXX and asked the person who answered the phone to please not hang up on me that I need to speak with a manager. I was transferred to XXXX and I explained what happened, he said he would look into it. I asked that he pull the recordings so they are available to the CFPB because there was absolutely no warrant for the way I was treated and abused. Additionally, she legally could not demand I pay after I disputed the debt. The company 's other employees perpetuated the harassment by hanging up on me. It was so shocking and confusing WHY I was being treated this way for asking questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2021 - we purchased with XXXX XXXX. This purchase included an additional fee for expedited shipping ( XXXX  days ). 

On XX/XX/2021 - the day of expected delivery, nothing arrived. We attempted to contact the vendor a few times throughout the day but had no luck. Our final attempt of contact was through email, where we asked XXXX XXXX to cancel the order and refund the charge. Still no response. We purchased the same item through another vendor named XXXX XXXX XXXX and used the same card on this same day. 

On XX/XX/2021 - the shipment from XXXX XXXX arrived. 

We made multiple attempts to contact XXXX XXXX, and when they finally answered, they claimed the shipment was sent in error after cancelation. However, pool XXXX asked us to ship it back, so we did. 

On XX/XX/2021 - the item was sent back to the vendor through XXXX Tracking # XXXX. 

On XX/XX/2021, @ XXXX PM - The shipment arrived at the vendor. 

On XX/XX/2021 - I did not see a credit appear on my account as promised by the XXXX XXXX, so I contacted Barclays and filed a dispute. A credit was issued against the charge, and Barclays told me they would handle it. 

On XX/XX/2021 - I noticed a charge on my account for {$400.00} from XXXX XXXX dated XX/XX/2021. I contacted XXXX to find out what was going on. After speaking with a couple of people who gave differing stories, I asked to speak to a XXXX. I was told there was no XXXX available, so I asked to talk to someone in the XXXX, which was not an option either. I was told they would have to message a XXXX, and someone would get back to me. No one ever did. 

On XX/XX/2021 - I received a letter from XXXX stating they attempted to reach me on XX/XX/2021, and XX/XX/2021. These claims are false. I have no missed calls, nor did anyone leave a voicemail from these alleged calls. Additionally, there was an alleged statement from the vendor claiming they ( the vendor ) did not receive the returned item within the XXXX day return policy. We received the item on XX/XX/2021, and it was shipped back to the vendor XX/XX/2021, and received by them on XX/XX/2021. This is well within the XXXX day policy. Please see attached documentation. 

Would you mind helping fix it? 

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 2020-05-04
Company: Experian Information Solutions Inc.
State: CA
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 PAID OFF THE CAR LOAN AND XXXX XXXX XXXX IS FRAUDULENTLY REPORTING THAT I STILL OWE MONEY TO THEM. XXXX XXXX XXXX HAS BEEN CONTACTED MANY TIMES VIA XXXX AND THE FRADUSTER STILL FRAUDULENTLY REPORTING THAT I STILL OWE. 

XXXX XXXX XXXX HAS NOT GIVEN ME THE PINK SLIP. THIS IS A FRAUDSTER.

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 2021-09-09
Company: Experian Information Solutions Inc.
State: TX
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:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed

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 2018-01-16
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The interest rates on my fixed loans increased from 8 % to 10 % after Navient improperly handled my loans and refused to fix the issue and credit the difference to my account. I also on XX/XX/XXXX requested my XX/XX/XXXX Tax Forms to where they sent XX/XX/XXXX and are still looking for XX/XX/XXXX. Their VP XXXX XXXX is in favor of predatory lending and mentioned to me personally that I should refinance through their new subsidiary XXXX. It is a monopoly on student loans with unlawful dealings and horrible customer service who 's managers have no idea who they report to are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The auto company I financed through sold me a lemon vehicle then illegally repossessed it because I wanted them to fix it. I was not behind on the loan. They lost the contract and admitted they forged my signature on a new one and sold the debt to this agency. I tried to work with the collection agency and work something out, they then decided to serve me paperwork and are continuing to add more money to the amount owed everytime I dispute the collection. The collection doesn't belong to me. It's fraudulent and the collection agency is using predatory practices and dinging my credit as retaliation anytime I try to justify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XXXX XXXX or XXXX, I applied to Capital One for a credit card. I have very good credit and their website said I was approved and would receive a card in XXXX to 7 days. In early XXXX, I received a letter telling me I would receive the card soon. Today ( XXXX ) I called Capital One and, after a run-around, I was told that it may take another 16 days. Think that companies that lie to customers should be grilled by someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX and XXXX has been paid off for car loan. it has been settled and is on my credit report causing low coring.

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 2019-02-15
Company: Caliber Home Loans, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Back in 2014 we filed foreclosure on our house with XXXX  XXXX XXXX. 
Sometime prior the forclosure was processed XXXX  XXXX XXXX sold our loan to Caliber loans but XXXX loans quickly gave it back to XXXX  XXXX XXXX and our foreclosure is with XXXX  XXXX XXXX. Caliper loans said on our credit reports that our foreclosure was with Caliber loans also. We only had one house and there was only one foreclosure and it was with XXXX  XXXX XXXX not Caliber loans. They need to remove this information off of our credit reports because it looks as if we had two foreclosures and we did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: CT
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:
i checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX XXXX my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was stunned once I ordered my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XXXX XXXX and XXXX XXXX, 120 days due as of XXXX XXXX. 

I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX HAS XXXX TO RECITIFY THE LATE PAYMENT ON MY CREDIT. XXXX IS THE ONLY BUREAU TO REPORT SUCH UPDATED INFORMATION. XXXX AND EXPERIAN ARE STILL REPORTING THE LATE PAYMENT. THIS NEEDS TO BE CORRECTED ASAP. I HAVE ATTACHED THE LETTER FROM 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 2022-01-10
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called XXXX to find out why my account balance all of sudden jumped up over XXXX dollars when I make my XXXX dollars payments every month. When you ask them they tell me that it is the daily interest that has made my loan go up. I am calling them liars because the daily interest has never ever made my account balance go up on any month. I know that XXXX is a smaller company of whells Financial and when I looked them up thru the XXXX they did the same thing and got caught with not legally keeping up with payments, and not keeping records. I have every payment I have made to them and this is not right, but will not give a acceptable answer. Their answer is false because this has never happen before and they are covering it up with this false statement. I have paid over twice the amount back. But now they are increasing my account balance and will not give me a answer that makes any sense. If you need any information I will provide it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As a result of the actions by Navy Federal Credit Union ( NFCU ), which include their blatant violation of your very own Consent Order File No. XXXX, before the ink was completely dry. 
The NFCU violations not only include your item # 76, their corporate, collections and mortgage personnel went to violate stipulations throughout your court order and clearly after your court actions concluded. Please see the attachment as well as sending me whatever documentation you need from me to grant you legal consent to subpoena any and all of my NFCU bank ( credit union ) records as a result of receiving my endorsement signature. 
Although I was planning to accept an offer for a new career opportunity or me and my family, I was compelled to incur a tremendous financial loss wen selling my property in a normal sale, with subsequent elements of mortgage fraud by the greed and collusion of the following persons : Broker XXXX XXXX, License ID : XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX , XXXX , CA , XXXX and Salesperson XXXX XXXX XXXX , License ID : XXXX, XXXX XXXX XXXX, XXXX XXXX , CA , XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, both of whom conspired to each defraud me out of {$8700.00} each for a total of {$17000.00}. These actions include a devastating delay in real estate services while XXXX XXXX travelled to XXXX while I waited for her to return and complete her job. 
The violations of NCFU contributed to the result of diminishing the preferred amount of time I needed to find suitable buyers for my house which was worth far more than the lowered selling price.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received a letter from Loancare dated XXXX. It stated the following :. " if your loan was current at the time of going into forbearance, then each month you are in forbearance, we will report the status of the account to the credit reporting agencies as current. '' Additionally, the letter stated, " We are here to help. We understand late payments stem from a variety of reasons. We strive strive to make every effort to help ease the financial difficulty to help you stay on track with your mortgage payments ''. 
These are all kind, beautiful, supportive words, but they are completely untrue. I missed one payment by accident, and Loancare immediately reported me to the credit agencies. My score went from the 800 's to the 600 's. This making it impossible for me to buy a house, or a car, or even qualify for a credit card. 
This is what happened. In XXXX of XXXX, I signed up for automatic payment from my checking account to Loancare, so that I would never be late. What I did not realize that the process took 60 days to take effect. When I signed up in early XXXX, I thought the XX/XX/XXXX payment would be automatic. However it did not take effect until the XX/XX/XXXX payment. Thus, the XX/XX/XXXX payment was late. I paid it immediately upon realizing my mistake. Loancare did not care that I made an honest mistake. They reported me to the credit bureau. This happened during the peak of COVID. This seems like drastic and unfair punishment. I am requesting that Loancare does the honorable thing and restore my credit back to normal by removing the " 30 day late. ". Thank you in advance.

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 2021-09-09
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have asked for a statement with my rolling balance due on two occasions now. Audi Financial has not complied with my request. My loan payment is on time and paid monthly but I can't reconcile my payments with my balance due. 

I made payments in the months of XXXX, XXXX and XXXX of 2021 for a total payment of {$1900.00} ( {$630.00} per month ) However my statement balance on the vehicle only went down {$460.00} dollars. I am NOT familiar with this math, my interest rate is 5 % so my question is where did the {$1400.00} in payments go? If not to pay off my balance and or interest? How does AF come up with their numbers. 

When pushed for a response I received a " shell game '' response to the effect of... well if this, then that and it depends on if you request the payment to go the loan or the interest or the next payment or, or, or. NOT acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I tried to use an external App with Capital One Bank, however, every time they say they 're sending me a security code to verify my account information, I never receive it neither by text or e-mail. It is extremely inconvenient.

Company response to consumer: Closed with explanation