BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.C.SYSTEMS : XXXXXX TO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX DOB XX/XX/XXXX. I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!

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 2017-09-15
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX, 2017 submitted disputes to XXXX XXXX and Experian - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.

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 2020-05-18
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This pertains to my Valley National Bank Visa credit card. 
On XX/XX/2020, I paid my bill, in full, through their electronic portal ( the amount of the payment was {$5400.00} ). On XX/XX/2020, a second amount was taken from my checking account in the amount of {$5400.00}. I did not approve the second amount and asked them to return it to my account immediately. 
As of today, XX/XX/2020, they have not refunded my money despite almost daily calls to their representatives ( including their fraud department ). The excuses and rationales have varied from person-to-person, but I have gotten assurance that it is " on it's way ''. I no longer want to wait for my money : They have drained my account and caused by an overdraw to my checking account. I have bills due at the end of the month that will require the money to be returned. 
here is a link to their website : https : //www.valley.com/customer-service

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 2018-07-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
It recently occurred to me that the experience I had during the purchase &  subsequent financing of my first vehicle with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MD XXXX may have violated consumer protection standards. 

On XX/XX/2017 I financed my vehicle with XXXX XXXX in XXXX, Maryland. In the final purchase stage, the financing representative overtly threatened to raise my interest rate which she had offered called several times and offered from Toyota Financial Services. She threatened verbally that if I didn't purchase the add on gap insurance for an additional {$20.00} per month to my {$380.00} car payment, that she would raise my rate she previously claimed to have haggled on my behalf. I told her multiple times after multiple attempts to sell me this product that I already possessed this coverage with my auto insurance and that at this time I don't want to add more to my payment nor to I need the coverage. She was adamant- and she accused me of not knowing what I was talking about since she had not heard of a car insurance ( XXXX ) offering such a clause. I pulled the coverage up on my mobile device, read it, and then showed it to her. The exact quote she said to me was " I can easily call Toyota Financial and have them raise the rate back to the higher figure that I just negotiated down for you. '' I almost walked out of the dealer at that very moment but unfortunately I needed the car more than I needed to leave so I stayed and continued to deny the add- on offerings she presented. It was a terrible combination of aggression and condescension masked by a person pretending to help you- she did not like that I knew about the buying process. 

I am choosing to raise the issue now because I still recall how visceral the experience was and I recently chose to learn about this event to see if it was in fact legal. I am hoping your team can investigate to see if this person is still performing such practices and if there should be consequences. It's important to note that while I've worked in sales and other high pressure industries, the predatory approach this financing agent took to my auto loan as a young person may have larger negative implications for other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I believe I am a victim of predatory loan practices. attended XXXX XXXX University from XXXX and graduated in XXXX. As the first woman in my XXXX-American family to graduate from college, I have struggled financially. Five of my loans with Navient ( formerly XXXX XXXX ) more than doubled from the original principle amounts. I have been in repayment for 10+ years and will not pay off loans and interest for more than 20+. This company is legally holding myself and others in financial bondage with no repercussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT RELATE TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED ME. THEY HAVE BEEN DAMAGING MY CREDIT AND HARMING POTENTIAL LOANS THAT I APPLY FOR. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT AND ITS EMBARRASSING BEING DENIED FOR A SIMPLE LOAN. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: Westlake Services, LLC
State: WA
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 went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the XXXX credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: LDF Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've emailed this company on numerous occasions advising them to stop contacting me, as the loan service that was provided to me I later found out was illegal under laws of the State of Florida and the Florida Office of Financial Regulation. 

This company has continued to attempt to email me and call me, and has recently started harassing friends and family attempting to collect. They need to stop harassing me or my family before I'm forced to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

I want this removed ASAP!

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 2020-01-23
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a home in XXXX, I had an 80/20 loan but only had one mortgage servicer and made only one payment to them - not two separate payments. In XXXX I had my loan modified, the modification states that I have a new loan with one payment and everything would be brought current, and I had a payment schedule. 

I have kept to that schedule and haven't missed payments, however, I recently found out that they didn't not include the 2nd mortgage in the modification - even though they told me they did, and my modification agreement states the loan will be current. 

I have never received a bill, or statement or even knew I had a 2nd mortgage since XXXX. 

But I recently received a notice of default from Trinity Financial from the XXXX agreement. They have never contacted me or asked for payment. My home has recently came up in value and so they are looking to foreclose, but I'm on time with my first mortgage and had no idea there was still a second. 

The company is Trinity Financial Services , LLC. 

The loan modification agreements states that $ XXXX would be added onto my loan, and that amount - as told to me - was to pay off the 2nd and my late payments in total. 

But when they modified my home loan, they only modificed my first home loan - which was never explained to me. And now the lender with the 2nd lien is coming to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Berman & Rabin, P.A.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter regarding an alleged debt in XX/XX/2019. I responded in writing advising them that I had no knowledge of alleged debt. They again sent another letter dated XX/XX/XXXX giving me " Final Notice '' that unless this debt was paid in full within 10 days they account may be placed with a law firm in my jurisdiction to file suit. 
I responded in writing once again disputing this alleged debt. Today on XX/XX/XXXX I received a voicemail from this company demanding payment for this alleged debt. Now it is clear that they have violated the FDCPA and continuing to collect on a debt without providing any proof or requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My XXXX credit card payment was {$290.00} which i had paid in full. 
When i received the XXXX statement ; i saw there's interest charged {$2.00} on my statement. i do not know why? 

I have called the REGIONS credit card company about my issue on XX/XX/2021 ; but the representative told me that she can not remove the Interest Charged. 

Obviously ; this is a kind of ABUSE CHARGED. 


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 monetary relief
Consumer complaint received 2019-09-26
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I noticed an increase in unknown calls, private, unavailable calls, calls from numbers I did not recognize starting in XX/XX/XXXX. I started keeping track of the numbers in XX/XX/XXXX and did some research and found two repeated numbers belonging to Convergent outsourcing Inc . They have called me on my home phone number and cellphone. I started to keep a log of the calls received XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
I mailed a do not call letter - certified mail return receipt, which they received on XX/XX/19 - but they still kept calling. I called and have talked to them several times and told them to do not call me - but they still keep calling. 
I filed a lawsuit against them for violating the TCPA act and they received it on XX/XX/19 but they still keep calling. They continue to violate the TCPA by continuing to call me on my cellphone without my consent : I am not their debtor, and they have been notified in writing, by phone calls and by a lawsuit to stop calling but they still continue to call. I will be filing a second lawsuit on XX/XX/19 for the continued violations of the TCPA act and FDCPA compliance.

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 2017-09-15
Company: Experian Information Solutions Inc.
State: NC
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 to freeze my credit due to the XXXX breach and have been unable to do it online and over the phone. It 's frustrating that these companies have access to so much sensitive information, have placed so many at risk, and have made it so difficult for the public to actively protect their credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2018. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY REPORT. I DID NOT AUTHORIZED TRANSACTIONS MADE BY 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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am full of mixed emotion. I have been consistently denied for auto loans, mortgage loans and by credit card companies! After being denied a considerable amount of times I decided to review my credit report. The things I came across when viewing the items being reported frustrates me. My credit report is full of errors and accounts that do not belong to me. I have prior experience as an attorney so I am familiar with how laws work. According to FCRA section 609 you are required to provide me with an original application bearing my signature from each creditor reporting negative information on my credit report. If I am not provided this information within 30 days all items are suppose to be removed. I am confident that these items will be removed because the original application bearing my does not exist because these accounts do not belong to me. If needed I will take legal action for the errors. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose the banking system works operates off of credit reporting agencies reporting accurate information. So it is in you best interest to always assure that any information being reported is accurate.

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 2020-01-23
Company: Experian Information Solutions Inc.
State: GA
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:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted US Bank in XXXX in regards about removing my PMI and all I was told was an appraisal needed to be completed. I was in the process of refinancing my home, which an appraisal was ordered by a third-party. For personal financial reasons I decided to not refinance and but instead have only my PMI removed. Beginning in XXXX I began contacting US and spoke with several different people, was told my calls/emails would be returned, to which they never were. I continued to have to call and wait on hold and explain my situation to every new person I spoke with. The first week of XXXX I finally received a letter regarding how to remove PMI a month and half after my original request, and it did not include the information I was originally told when I first called in XXXX. I contacted the local branch in my area and they too said someone would call me, no one ever did. US Bank is refusing to remove my PMI even though my appraisal states the requirements for PMI removal have been met my house appraised over {$30000.00} the amount US Bank required. As a customer that has never missed a payment, this customer service is unacceptable. In addition, each time I called I was told I could easily have the PMI removed by either paying {$20000.00} or refinancing, neither of which is in my best interest for personal financial reasons. Removing my PMI would no longer give money to US Bank, which I why I assume they are making this process so difficult. Below is a timeline of all my attempts to resolve this issue with US Bank. 

Mid-XXXX  2020 Contacted US Bank about removing PMI and was told all I would need was an appraisal. 
XX/XX/2020 Called again and was told a letter was sent on XX/XX/XXXX ( from my call in mid-XXXX  ) but I had still not received the letter. I was told the PMI would not be removed even though my house appraised well over what was required. 
XX/XX/2020 Sent follow-up email about appraisal and received no response. 
XX/XX/2020 Contacted US Bank again and was told a Supervisor, XXXX XXXX ( XXXX ) would call me on the XXXX or XXXX. No call was received. 
XX/XX/2020 Contacted a local US Bank branch was told I should just refinance ( again ) and a supervisor would call me. No call was received. 
XX/XX/XXXX Finally received PMI letter XX/XX/XXXX Contacted US Bank again and was told my appraisal was rejected by a vendor they use and my house appraised {$30000.00} over their required value. 

My PMI is {$72.00} a month and US Bank refuses to work with me. Why?

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 2021-01-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
We took our XXXX car that is covered under warranty and that we are still making payments on to XXXX XXXX XXXX because a warning light lit up on the car 's dashboard. XXXX XXXX XXXX inspected the car and told us that repairs would be {$470.00}. I said told XXXX XXXX XXXX that we were still under warranty on our vehicle. XXXX XXXX XXXX refused to honor the warranty. They also refused to allow us to leave with our car, saying they had drained all the oil from the car and that we could not take it until we agreed to let them repair it at our expense.

Company response to consumer: Closed with explanation