BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am co-owner of a vehicle that I did a voluntary repossession on. The other owner is currently incarcerated. I was told by more than one agent at the finance company that I could do a voluntary repossession. The finance company took possession of the vehicle on XX/XX/21. The day before the car was to go up for auction ( XX/XX/21 ) the finance company released the vehicle to someone other than myself or the other owner. They will not tell me who the vehicle was released to and They are still holding me responsible for this loan.

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 2018-05-22
Company: Credit Service Company, INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Services has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on the sale of the car nissan took over 30 days to pay off my existing loan with themselves ( old car trading in for new car both where financed through XXXX XXXX ). on the first payment they charged me for the old car and new car. took them over 60 days to figure out what happen and was suppose to have corrected my account. later in the first year in of the loan, i want to say it was XX/XX/XXXXthey say i missed a payment. i sent them my bank account info showing the payment went through at least 3 times over the next 90 days. they kept calling my phone every 30 days saying my payment was late and we would go over the same deal, i would send them the payment info. i was insured my account would be fixed if i sent in the bank statement. 

today i logged on to the site to pay of the loan and now i owe XXXX in late fees, their agent tells me my account is now in collections. i have bank records showing for each month nissan has automatic withdrawal from my account for the monthly balance. 

i am at the point i want to peruse legal action against XX/XX/XXXX, i have done everything i can to satisfy this loan in good standing but they have obvious system issues and are now causing undue hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Collins & Hilton Asset Group, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I made contact with Collins Asset group regarding a collection on my credit report for a car the was voluntarily repossessed. I made a payment arraignment with this agency to pay down my debt, {$100.00} a month, with the understanding that they report my account is in repayment. The company continually reported the account in collections. I had filed a dispute against the report. I sent emails at the latest on XX/XX/XXXX no longer disputing this account. The company still reported that I am disputing the account. I have spoken to all three credit bureaus and they do not have a dispute on file, except when Collins reports the dispute, it triggers a dispute with the credit bureaus. Collins refuses to change the account to a repayment status, remove the dispute, or report it in adherence to the FCRA. I have spoken to XXXX the Operations Manager at Collins and was told flat out they would not put the account in repayment and nor remove any of the dispute wording being erroneously reported to the credit bureaus. I have emailed this company many times for documentation and have received no correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Early Warning Services, LLC
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:
My old credit card account with XXXX XXXX was paid in full and closed by me. However on my credit report it still displays a current balance and is reporting as a charge off, my account was never charged off and any fees or payments on the account was paid in full at the time of closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receivables Performance Management LLC ( RPM ) has been relentlessly harassing me for months in regards to a debt of {$3700.00}. The creditor is XXXX and RPM is contacting me on XXXX 's behalf to retrieve this amount. I have received repeated letters claiming I must pay this debt. OnXX/XX/XXXX, they mailed another letter claiming XXXX is even willing to " remove my collections '' if I pay 60 % of the total debt ( {$2200.00} ) before a certain date. OnXX/XX/XXXX, I received a pink letter from RPM with an ominous title " You failed to respond. '' This comes to me at a surprise and severe annoyance because I have never once in my life been a customer of XXXX before. I even called XXXX to verify this and they affirmed that I have never opened an account with them. I am not sure how Receivables Performance Management got hold of my address and information and decided to take it upon themselves to harass me for money I do not owe, on behalf of a company who I'm not serviced at.

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 2018-03-17
Company: Receivables Management Partners, LLC
State: WI
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 have disputed this company 3 times with the credit bureau and filed a previous report with your agency. This company had listed these 5 accounts as included in bankruptcy which is ruining my credit. These debts were actually included in a WI ch XXXX amortization of debts and the debt is almost paid in full. In my previous dispute with your agency the company responded that this XXXX plan was a WI bankruptcy alternative rather than a bankruptcy and the trade line would be removed from my and my husbands credit. It has been a few months and the debts are still showing as bankruptcy causing our credit scores to remain low.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted three times by XXXX XXXX XXXX In California on XX/XX/XXXX XX/XX/XXXX, andXX/XX/XXXX about a debt with XXXX XXXX for my CareCredit Card. I do not nor have I ever had an outstanding balance with this bank as shown in my statements and from contact with this bank. The customer service agent has a different address than mine. This is clearly not my account. I have asked several times for them to stop contacting me and do not want to via mail as I do not want them harassing me in person or with endless letters. I have blocked their number, but I have gotten calls from other numbers instead.

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 2018-08-22
Company: CITIBANK, N.A.
State: CA
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:
XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX   and XXXX . XXXX and XXXX have both completed their research and determined that XXXX   was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2022-08-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I put {$4000.00} into my TDBank account was part of my federal refund money Ive been saving. Long my job have no money and they took the money with out telling me for a offset. They never reached out want I called there where very rude and condescending about the money. And told me I would never get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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: Was not notified of investigation status or results

Complaint:
I started disputing some inaccurate accounts and collections on my credit on XX/XX/XXXX with a follow-up dispute sent on XX/XX/XXXX. I just completed another XXXX today, XX/XX/XXXX however, during this entire time, none of the bureaus have responded or sent me any correspondences regarding my disputes. I don't feel as though they're doing what they're legally obligated too, even if it's just sending something that they received my dispute, but they haven't even done that!

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 2021-09-16
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX- This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2017-11-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for and was approved for a trial loan modification in XXXX XXXX with Ocwen Financial. I have made every modification payment on time in full. The Trial Modification ended In XXXX XXXX when I was approved for a permanent modification. I pulled my credit report and found that Ocwen has been reporting my mortgage as late every month since XXXX XXXX. I contacted Ocwen and tried to resolve this issue and was told that according to the agreement that I signed that they would report the mortgage as late. I went over the agreement with them and the credit reporting section states that " if the loan was in default at the time of the modification that they would continue to report it as late ''. I was not in default at the time of the modification. All of my prior mortgage payments were paid on time and in full. I was then told that XXXX payment was not received. I explained that when I went on line to make the XXXX payment that the new Modified payment amount was the only payment option available and they changed the payment due date to reflect the trial modification that I was approved for. I made that payment. I was then told that during the Trial modification that the full contractual payment had not been paid, only the modified amount and they are referring back to the original loan payment amount. This is an unfair predatory lending practice due to the fact that I signed a new contractual obligation during the Trial Modification and they should honor the new agreement they made with me as Payment in Full during the Trial Modification period. Also I was not informed at any time prior to or during the trial Modification that the mortgage payments I was making would be reported as late every month. I would not have opted for a loan modification. I was not having trouble making my mortgage payments. In XXXX I contacted Ocwen to try and see if they could offer me a reduced Annual Percentage Rate and the option that was offered to me was a Loan Modification. I have filed a dispute with all three credit bureaus and the response was that my credit account has been updated. Not changed. The unwarranted lates are still reflecting on my credit reports. I am currently in a real estate transaction. I have a pending offer on a house I wish to purchase to expand my business and I can not get approved for funding due to the erroneous information that Ocwen has been reporting. They have completely destroyed my credit. Any help you can offer would be greatly appreciated as time is of the essence. I have a XXXX XXXX XXXX!!! Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
False information about closed and paid accounys. Companies do not want to change it asreported. Call the co.paniy itself to help and the co.panies stated XXXX and Eqifax needs to change it. They do not want to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX. {$430.00} I contacted this company with proof of the violations taking place along with a invoice to pay for violations. 15 usc 1692c -communication not allowed by debts collector. 15 usc 1602 I am the original creditor 18 usc 08 the government agreed to assume all liabilities that arise under transaction using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls Every day, all day long calls from all different area codes through out the United States just constantly. Since I have this phone number back in I guess XXXX of 2020 I have tried blocking the calls but they still find a way around this by calling from different area codes all day long. I don't know how they keep getting through. I block one number and another one pops up a few minutes later. This is insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019, my credit score decreased by 89 points after I had an inquiry from SYNCB, which after a little research, I found out is short for Synchrony Bank from XXXX Florida. They do not answer your calls and do not get back to you whatsoever. 

It even says on their website that if you think theyve mistakenly reported your credit information to write them at their address, but after a little digging, it seems nobody who has this issue gets a response from them

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 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 already disputed this XXXX account with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX & TransUnion from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports as XXXX XXXX with the same account number XXXX and is reporting negative still under XXXX & TransUnion. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.

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 2021-06-08
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Covid-19 happened. My business has closed because of it. 
Yes. I owed money to them and paid what they asked. Presser, felt & warshaw ( XXXX XXXX XXXX. ) has sent me a certified letter, FAILURE TO COMPLY WITH THIS INFORMATION SUBPOENA MAY RESULT IN YOU ARREST AND INCARCENTATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CNG HOLDINGS INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a stove from XXXX in XXXX, ma using their Why not lease it now credit purchases programs based in NH. Tel XXXX and address is XXXX XXXX XXXX XXXX XXXX, NH XXXX. After about I made 4 months of on time payments and then I had called the company thinking I would be able to make my final payment and I had contacted XXXX who is the the manager of the manager of the company stated on phone that none of my my payments counted toward the balance because it is a lease. He also admitted on the phone on a recorded call that the sales representative at XXXX mispresented the terms of the lease and he said I signed a contract. However XXXX doesn't give you a contract they provide you with a receipt that you sign in tiny print. I was told that I passed the deadline within a month to pay the stove off and I had to pay the whole balance of {$240.00} which meant all the payments I made since the lurch date back in XXXX of XXXX every 2 weeks did not count towards the purchase price. So they then explained my options was to keep leasing it or returning the stove. I feel it was. It right they were not transparent about the supposed contract as I was under impression since they don't explain they contract terms week that if you don't pay within 90 days it later turns into a lease agreement. I had no idea that they would count all the payments I made as lease payments. That's why I feel they are deceptive the way the program is treated as a credit program as I though my payments within the 90 days would have counted towards the balance. They uses very deceptive tactics and this was a very cheap syove over not worth all the money I feel I was robbed out of. They need to recompense me as I feel they were unfair business practice at least refund me monies that I applied toward the initial 90 day period. They made this way more complicated than it had to be and I have vision issues so handing someone a receipt with tiny print at a XXXX cashier is very unhelpful in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: FIRST ADVANTAGE CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX I received the results of a background check that was taken for XXXX XXXX. On this background check it's shows that i was convicted and sentenced to the XXXX  ( case # XXXX and XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) 17.5 years on XX/XX/XXXX but it's not showing that case # XXXX and XXXX was vacated and set side on XX/XX/XXXX. I was re-sentenced to 12 years for case # XXXX to be run concurrently with case # XXXX.

I don't know if that would have changed or be a determining factor in me getting this position and/or job but the information should definitely be on there for the company to also view. The conviction is over 16 years old and i was released from the Department Of Corrections XX/XX/XXXX. Can this be reviewed and made accurate and sent to XXXX XXXX please?

Company response to consumer: Closed with explanation