BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: STERLING JEWELERS, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, company calls me everyday at around XXXX MST and has now started calling family members at XXXX MST.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: General Motors Financial Company, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The car, a XXXX XXXX XXXX, was purchased in XXXX for approximately {$18000.00} with a 6-yr term. The final payment was due to be made in XX/XX/XXXX. They offered a two-month deferment at some point during that period which was accepted. The understanding was that the final payment would now then be due XX/XX/XXXX. With all of the interest and fees, an {$18000.00} car ended up costing in excess of {$36000.00}. 

On the GM Financial app, there was a countdown to the number of payments that were to be completed for the 72 months. In XXXX it stated there was only one payment left ... I later found out that there was an additional {$6000.00} owed on the vehicle. This seemed impossible provided that I had been paying on the car for 6 years. Upon calling the company, they tried to tell me that the extra {$6000.00} was a result of interest that accrued with the deferment and also late payments along the way. While it is true that I ran into financial difficulties and had a run of late payments, I paid those late payment fees and now I feel like I am being double charged for it. 

The car, in fair condition, its only worth about {$1200.00}. It makes no sense to pay GM Financial another {$6000.00} on a car that was only purchased for {$18000.00} when they received {$36000.00} for it. I offered to settle with them for the value of the car. They are not willing to accept that. I should not have to pay them anything else!! I am to the point of asking them to just do a voluntary repossession, because theres no justification for paying them any more money for this car that is falling apart! I agreed to continue paying on it in fear that they would come and repossess it if I did not make an agreement. But, I have no intentions of continually making payments for the next year as it DOESN'T MAKE FINANCIAL SENSE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Chase acct frequently displays pop up to update income and phone number when I am viewing my account. I responded to the request and the next screen said it was for a card. Worse, the next day, my credit report reflected a new inquiry from them. Worse, I called them, and they responded they couldn't do anything but it would come off my report in about two years. Please, I am XXXX XXXX XXXX and explained to them if there was XXXX XXXX, I could not have seen it as this was a frequent update they asked for. Can you assist me in getting this attended to. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The representative was using insults, deceptive and immoral tactics, and threatening to sue if I did not pay immediately or the amount that she demanded me to pay. I received phone calls twice a day for a few weeks at odd hours until I called back. While asking for an explanation or proof of debt, she began to become enraged and agitated by this. At which point she prepared a statement on my behalf that I said I was refusing to pay this debt to the attorneys so the lawsuit could move forward and I would be sued for not agreeing to pay the amount she wanted on the spot. I called back to speak with her supervisor and was forwarded to his voicemail with no call back. Not only are these practices illegal, it is disgusting that a law firm would be so unprofessional.

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 2021-02-12
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit file and I noticed that there was several accounts showing that are not mine. Please remove the following accounts : The following accounts and incorrect personal information needs to be removed from my credit file : Incorrect Name Spelling - XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Information - I never filed bankruptcy

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 2021-07-19
Company: EQUIFAX, INC.
State: NJ
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:
Good morning, I am inquiring on the remaining negative account which are currently impacting the overall state of health of my credit. i is not fair to me that after several attempts at trying to correct the information with the credit bureaus, they have failed me once again. I am not going to hesitate on taking legal action if they do not wash out the negative, inaccurate and incomplete information off of my credit reports. What is the delay in response??? Why hasn't Equifax, XXXX, nor XXXX  resolved the issue with the accounts? the XXXX ( XXXX XXXX XXXX ) collection accounts are still accurately and falsely reporting. The credit bureaus were able to remove all of the other history on my credit report, except for those two accounts. Please help me resolve this issue, I'd greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: OH
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 not been late on this account and I have requested PHYSICAL PROOF of late payments since XX/XX/2020 of this year and have never received such information, please correct payment history. 

Please provide all the people involved in this investigation as well with notarized documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2011 and a balance of {$12000.00}.

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 2021-03-05
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my residence with XX/XX/XXXXin the spring of 2020. I had set my payments up to coincide with my payroll so that I was making 26 full payments a year as I'm trying to get the loan paid down as quickly as possible to retire in a few years. 
XXXX sold my mortgage servicing to PHH.

I researched payment methods available at PHH and they do not provide an option to sync your mortgage payments with your payroll frequency. The best they can do is have you sign up for two specific dates during the month which will become out of sync with your payroll and eventually result in over drafting of you checking or the ACH Debit being returned for inadequate funds. 
In any event this is to the detriment to the consumer. 

It does not seem appropriate that a mortgage can be sold to another servicer if the new servicer can not provide the same level of service as originally provided. If this has an adverse impact on the consumer the consumer should be able to require the original servicer maintain the servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: NCSPLUS INCORPORATED
State: NJ
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:
I went to XXXX XXXX COLLEGE in XX/XX/XXXX. I received FAFSA and they handed me a refund check. Sometime later, they stated they refunded me the incorrect amount. I asked them what was the amount due back to them ( I can't even remember now, but i know it was around $ XXXX-XXXX ) and I was unable to pay them back as I was a broke college student. Months later, I saw they sent to me collections for {$1200.00}. I was very upset, so I called them to let them know that the amount was incorrect and that was FALSE reporting. The woman on the phone said they will remove it once my debt was paid, I told them to correct the balance and they REFUSED. Fast forward to XX/XX/XXXX, The debt IS STILL THERE and it's still with an incorrect balance of {$1200.00}. I contacted XXXX College ( because XXXX XXXX college has since then DISAPPEARED and " merged '' with XXXX College ) and I received a letter stating that my debt was {$340.00} and they contacted the agency to correct the amount on my credit report ( letter is dated XX/XX/XXXX ) but it still reflects {$1200.00}. This has been on my credit report for 8/9 years. I thought these debts have to be removed after 7 years. This has truly affected my credit and if it were fixed YEARS ago it would have been paid, and I could have bought a house but because my credit STINKS because of them, I am not able to do the things ( such as buy house ) I need to do for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These 2 accounts are not mine. My brother had stolen my information and left me with the damages. Please remove it. I am not a mortgage company or a credit repair company. Please remove it. I have supplied you with my personal information. Thanks.

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 2018-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
like most Americans should be, I find it disturbing that the following companies will let a political agenda Drive the business that they conduct often at the taxpayers expense. I have to agree with Sen. XXXX XXXX ( R-ID ), Chairman of the Senate Committee on Banking, Housing, and Urban Affairs. On XX/XX/XXXX, XXXX sent letters to the CEOs of both BofA and XXXX  demanding answers about their recent anti-gun activity. It is deeply concerning to me, he wrote, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor.

It's bad enough that our politicians have become social justice warriors trying to move the direction of the country based on their agendas rather than what is best for the country or rather than facing their governance on the Constitution.

I sincerely hope that you find this as troubling as I do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told them to leave me alone as the debt wasn't valid. They never validated the debt but continually call me. When they call, they don't leave a message. They just call from numerous different numbers several times a week. I answer but no one says anything. I have to XXXX or call the number back to find out who it is. I want them to stop calling me! It's harassment at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021, I applied for Hardship with SPS Select Portfolio, phone number XXXX XXXX XXXX, as the company servicing my loan. I explained and sent all the documentation required by SPS proving my advanced XXXX diagnosis, and my sensitive financial situation as a self employed professional. I requested a loan modification because I have tried to refinance my house but due to my high debt ratio, my request was denied by several financial institutions. 
Last week, I called SPS to report the lack of professionalism because this institution keeps asking multiple times for the same documentation that have been already sent. For example, in the last correspondence, SPS keeps asking for people contributing to the payment of the mortgage when other than my self and my wife low wages, there are no other person,. SPS has asked 5 times to send my bank statements which have sent five times. Last Friday, a lady from SPS asked me to stop making my mortgage payments, as the best solution, and do not want to do this because, I am a decent responsible person, I am asking for help when I need it the most, and lower my monthly payments during my XXXX and XXXX XXXX and until my wife finds a job is the best option. Of course, I have ruled out the possibility to sell the house right now, as it has been adapted to my physical needs, and I can not cope with a move right now. I have XXXX children under the age of XXXX both XXXX XXXX XXXX, and I am only asking for help until I finish my XXXX  in one year and be able to offer my services as a consultant again. Pushing people to stop making payments is not a solution, when financial institutions can offer help in several ways. 

Sincerely yours, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
unlawfully add inquiry to my score

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 2018-06-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been having a major problem with wells fargo auto dealership for a while, first started with the forcing me to buy their insurance, then charging me for insurance through the last over payment that I paid on the XX/XX/XXXX. Forcing 30 to 60 days lates on my credit report for the last 36 month. also when I asked about all of the 30 day lates, and 60 days they claim an internal processing error. we can all hide behind that excuse. 
I have all of my records showing that I have paid them over {$50.00}. Just last month in XX/XX/XXXX, and this month  in XX/XX/XXXX they are reporting 30 days lates, I paid them. They are destroying credit report, I am trying to find employment. please remove those lates on my credit report. and send me my car title. 
wells fargo said I owed them XXXX I send them a {$100.00}, the very next month they reported that I owe them another {$75.00} I owe them nothing. 
something needs to be done about this company and all of their corruption that has been taking place. where is the us government at with all of the XXXX from this company.

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 2020-05-10
Company: Nicholas Financial Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/2020 due to COVID-19 being laid off from job, I made a request for a Hardship. I was told I had to pay the interest. I was sent a deferment form to complete. I refused to sign it because I had asked for a Hardship and was told it was the same thing. I later contact other companies and lenders and was told a deferment and hardship is two different things. I the contacted the corporate office and spoke with XXXX who stated his supervisor informed him that they would do a hardship only if I pay a full month. 

It is my understanding due to the COVID-19 several lenders are giving people 2 to 3 months. Because I refuse to sign a deferment and pay XXXX that I didn't have at the time, I requested a Hardship. Nicholas Financial reported negative information on my credit in retaliation to cause damage. My credit report shows never late over 30 days for the past two years and they are being very inconsiderate due to the pandemic that is happening with borrower. 


The Care Act inform lenders and creditor to remove late fees and not to report anything negative that will effect one credit during this time. Nicholas Financial refuse to comply with the Care Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
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 status incorrect

Complaint:
This started back in XX/XX/2020, I pull all of my credit reports to check the discrepancy on my accounts. out of all three reporting agencies. Equifax is the one showing delinquent and derogatory against credit cards that are closed or XXXX years old and should be off of my report. I have called them twice, and email 4 times, and regular mail explaining the situation with proof from the credit card companies. Each time I get a response back saying, they cleared it up or telling me they need more proof of who I am after I forward my driver license and birth records to them, the false information has cause major dilemma in my life. Its have caused me from getting my home. each time I write to then or calls they reduce my credit score. From XXXX XXXX XXXX. to the present. trying to get this taking care of. Would you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting numerous calls on a daily basis from XXXX XXXX informing the call is an attempt to collect a debt. I do not owe XXXX XXXX any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: GA
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: Other problem getting your report or credit score

Complaint:
Greetings : I recently, as of XX/XX/XXXX, attempted to apply for a credit card to XXXX XXXX Store via XXXX XXXX  and received a negative reply. I previously had problems with XXXXXXXX XXXX via XXXX XXXX just after the election in XX/XX/XXXX when it was alleged that I was committing fraudulent charges via that credit account I submit that an inaccurate statement had been alleged at that time and continues to impact me in an negative way even via my credit information through Experian which has incorrect credit information listed about me detailing little to no credit history at all which does not match up with the other two credit bureaus.

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