BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: Yamaha Motor Finance Corporation USA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  boat on XX/XX/XXXX. At the time of purchase, Yamaha offered a finance option which put all payments in excess of the required monthly amount directly towards the principle. This was the option chosen ( section 7, paragraph 2 of the loan agreement ). 

The payments began in XXXX of XXXX. At this time XXXX XXXX  was managing Yamahas loan program. My payments were in excess of the required amount, and in XX/XX/XXXX I began doubling the required payment. The amount above the required payment was always properly placed against the principle ( as annotated on each monthly statement ). 

In XXXX of XXXX Yamaha Financial Services began management of my loan. At this time my payments stopped being applied according to the loan agreement. On XX/XX/XXXX I spoke with customer service ( XXXX XXXX. XXXX ) and was ensured that the amount over the required payment would be put against the principle. It was not. 

In XX/XX/XXXX I received a statement that showed my required payment as {$760.00} ( double the required amount ). I again called Yamaha and made the following memo for record : Spoke with XXXX @ XXXX from XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX. I voiced my concerns that the required monthly payment that they had, appeared to be incorrect, and that I believed that the application of the additional payment was not going directly to the principle as described in my loan agreement. 

She stated that the monthly payment had been corrected to {$380.00} but the additional payment had been put against the next months payment, rather than the principle as per the loan agreement. I explained that I had already sent a query to XXXX. She also submitted a request for review, and I requested an email response from that review. 

I have never received an e-mail response from that review. 

I have stated on my payments that all amounts in excess of the required payment, be put against the principle as per the loan agreement. In conversation ; once again with Yamaha Financial Services, I was told that I could not put that on my mailed payment, and that I needed to call every month if I wanted it changed. I made one attempt and was told that they couldnt change it unless I made the payment over the phone. 

I have sent approximately 10 12 e-mails to Yamaha on this subject. I have had 1 response, and they just again quoted according to the waterfall I received a call from account admin on Saturday XX/XX/XXXX. We discussed the problem with the application of the excess payments. I had previously emailed a copy of the loan agreement an we reviewed it together. The agent attached the file and forwarded it for further review. 

I received an email on the evening of XX/XX/XXXX stating that would need to call every time that I wanted the excess to be applied in this manner.

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First off your a bunch of lousy discriminating low lifes Now say you can't handle this one XXXX  and TransUnion are falsely reporting that my car is delinquent with a balance of XXXX. I paid my car off nearly 2 years ago. I have forwarded documentation and the dealership as well a 2nd time. I have been penalized for their deliberation neglect I filed a dispute over a month ago and they refuse to correct my report

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 2018-07-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am actually trying to lodge a complaint about credit inquery into my credit as part of mortgage applications and job applications. Previously I have never had issues with my credit but now I have multiple hard inquiry over a recent period. 

Huntington bank XX/XX/2017 and XX/XX/2017. Neither of these were authorized. I had submitted information to a mortgage broker to allow them to come up with a GENERALIZED idea of possible loan amounts. After the first one was completed, i had emailed a different broker within the same company as I was trying to work in a different region than the original inquiry. They once again wanted all my information but i informed them specifically to NOT SUBMIT a request because I had all that information and huntington bank should already have all my information for any mortgage quotes they could provide. INSTEAD they inquired again which affected my credit score. I attempted to contact them to resolve this issue but the mortgage broker said there was nothing he could do. I COULD UNDERSTAND TWO DIFFERENT BANKS BUT THIS IS THE SAME BANK AND IT PENALIZES MY SCORE!!!

Is there ANY WAY to get one instance removed? I understand the initial huntington bank but the duplicate really hurts my score and was unreasonable!

Thank you for any help you may provide

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Mr. Cooper Group Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sold my home on XX/XX/2023. I called NationStar to inform them of the sell-closing and requested a letter to verfiy the account was paid in full with XXXX balance. The account is shown open with a balance owed on XXXX, XXXX, and XXXX etc ... as if I Stopped paying the mortgage. Nationstar Mortgage LLC d/b/a Mr. Cooper even sent me a check for a Payoff refund check dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-05-15
Company: DISCOVER BANK
State: AZ
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 contacted the credit bureau to perform an investigation of the accuracy of items being reported. 

XXXX ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  has violated my rights.they are unable to validate the account. 

XXXX ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX has violated my rights. I paid {$200.00} deposit and they are reporting {$250.00} past due. Where is my deposit XXXX ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  has violated my rights.was told to pay account up to date and the late payments will be removed. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Experian Information Solutions Inc.
State: AZ
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:
I currently have 19 inquiries reporting on my credit report on Experian that are without a firm line of credit. I have circle all 19 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them. 
The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting on my Credit Report.

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 2020-07-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I believe this place is the Midland Credit Management. They call back to back and do not leave voice mails they just call repeatedly. I answered one call to see who keeps calling and they hung up on me with no answer I block one number and they use a new number its a never ending cycle. They have multiple complaints online for using extreme harassment by non stop spamming calls and not leaving voice mails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I currently get my private loans through XXXX. I got these loans when I started my 2nd year of college. At the time, I figured it was the best option for me to help me get through my years at school since I wasn't getting enough through XXXX and wasn't getting help from my parents. I graduated in XXXX of XXXX. In XXXX of XXXX, I was suddenly hit with a big amount of money that I was suppose to pay monthly that I was not going to be able to pay. I was able to bring it down at the time to {$490.00}. By XXXX of XXXX, it had gone up to {$500.00}. XX/XX/XXXX thru XX/XX/XXXX I was paying {$500.00}. When a year had gone by, the amount jumped and I was paying {$660.00}. As of right now, I am paying {$670.00} a MONTH ( its slowly going up each month )! I tried calling and asking for a way to make my payments easier for me to pay and they said there was nothing they could do except get me in forbearance, which for me was NOT an option that I wanted nor did I agree with. I am literally using a single paycheck to pay for this loan. Three of my loans interest rates are 11 % and the lowest one being 7.1 %. The other two are at 9 %. I am to the point where I am not going to be able to afford daily life because this loan is taking half of what I make from one job a month. ( This isn't the only loan payment I pay, but I haven't had issues with Federal Loans at the moment ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Ameritech Financial
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Ameritech Financial, and or XXXX XXXX XXXX XXXX ( XXXX  ), lead me to believe they were a loan servicer for the Department of Education. I had no idea they were not a legitimate servicer until I received a noticed from the Federal Trade Commission in XX/XX/XXXX, stating Ameritech Financial/XXXX  is being sued by the FTC for deceptive practices. I immediately tried to login into my FAFSA account, as noticed stated to do, only to find the password I last known it to be, had been changed and non of my verified information was up to date. Upon much needed research, I called Student Loan Support Center on XX/XX/XXXX, when a gentleman named XXXX helped me to gain access and control of my FAFSA account. He also confirmed the lawsuit was legitimate and the following fraudulent activity. I had no idea that on XX/XX/XXXX, Ameritech Financial/XXXX filed an IDR on behalf stating I have XXXX children, XXXX other dependents, and an annual income of {$43000.00}. Which is a complete lie. I have never wanted children nor do not have any children, I was single and living alone, and earning {$45000.00} at the time. Then, on XX/XX/XXXX, they re-certified the XX/XX/XXXX IDR stating I had XXXX children and XXXX other dependents with an annual income of {$49000.00}, and that I worked for a public service company. Again, do not have children, nor dependents, I have never worked for a public service company since I have been out of college, and I do not believe they filed the correct annual income. From XX/XX/XXXX to XX/XX/XXXX, Ameritech Financial/XXXX charged me fees totaling {$3800.00} ( attached ) for services the government apparently offers for free. While Ameritech Financial/XXXX acted as a sponsor, they used the following service agents to process fees : Global Client Solutions and Account Management Plus, in connection with Reliant Account Management. Ameritech Financial/XXXX enrolled me in federal programs that I did not qualify for leaving me no capability of actually paying down my loans, and or the accumulating interest causing me {$3400.00} in capitalized interest ( attached ). These unlawful and defrauding acts of defamation, along with consumer and systematic abuses, has caused me immense pain and suffering, emotional distress damage, and mental anguish. I feel extremely violated, embarrassed, grief, XXXX, and XXXX. Not to mention the hours of research and time this whole process has taken away from my means of making a living. I am an accountant, this is quarter end, and making time to address this unfortunate situation has been an impediment on my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year around XX/XX/2017, l received a letter stating that my mortgage was being transferred to another company and that my payments would not change. My payments were XXXX per month with taxes escrow included. This company claims l owe XXXX more in escow and that l had to set up payments. I do not owe XXXX dollars in escrow. Now my payment are XXXX per month. My taxes are less than 4000 per year. I am being ripped off by this company. Also, l have a second mortgage that was transferred to the same company that was a home equity account with payments of less than 200.00 per month and now l am paying XXXX dollars per month and they are trying to make me pay escrow of {$380.00} per month on this account that was never escowed. Please help me with this company because they are trying to make me unable to keep up payments on my home. I was told by my account manager that it would be taken care of but nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is apparently buying up medical debts that Americans have either already paid and/or debts that have been marked by credit bureaus as being mistakes, because they are doing so via their collection demand to me ( Reference Number XXXX ). 

I previously submitted several CFPB complaints about this same issue including via CFPB complaint number XXXX when Credit Collection Services was baselessly attempting to collect this debt from me. XXXX previously also responded via CFPB complaint number XXXX that the improper collection attempt was removed from my account. These matters were resolved over a year ago, yet XXXX has now popped into the picture illegally pursuing an amount that I do not even owe. 

Both XXXX and Credit Collection Services specifically acknowledged that this debt was erroneous. However, they apparently ended up selling this illegal debt to XXXX who is now illegally attempting to collect it from me. Either XXXX knows it can not actually legally collect these amounts, but buys up these debts hoping it can do so, or Credit Collection Services lied to the CFPB stating that the amounts were no longer going to be collected, but then sold the debt to XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have never filed a XXXX  XXXX bankruptcy I disputed this with with all 3 credit agencies and no one has responded I also sent off letters this is my 3rd time trying to resolve this matter

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 2019-09-02
Company: Experian Information Solutions Inc.
State: NJ
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 am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ' '' promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 and Transunion are reporting a charge-off balance amount of {$3300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance reporting is incorrect. This account balance needs to report {$0.00}. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to update and/or remove this however, I have not been successful.

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 2020-11-27
Company: WELLS FARGO & COMPANY
State: NJ
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:
My father, XXXX XXXX XXXX and I have an account together. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX broke into our home, stealing the keys, checkbooks, banking statements and other personal information. They are not included on none of my father 's banking statements. They were never XXXX  XXXX. They should not be accessing personal information. Wells Fargo bank has allowed XXXX XXXX, whom is not a legal guardian, who does nothing for My father, who is not his daughter, to access personal banking information. These people are not even his children and they are not included on birth cerificates. Wells Fargo was supposed to wait until my father got home from rehabilitation to receive a new card. Wells Fargo also changed an account number that they were not supposed to. my father was shocked when he heard that the XXXX number was changed. My father and I are on several accounts together. You can call to certify that at this time. We need to sign, additional, documents.

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 2019-09-02
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
It shows the late payment from credit report on Synchrony Banana republic for XXXX and it shows late payment for XXXX. I sent the payment in time through mail but my mail and I had to resend it.. Please remove that late payment. forXX/XX/2019

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