BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, Transunion XXXX XXXX MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.

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 2017-07-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A summons was given to my employer of a company I do n't recognize and I think is an identity theft account. I am very disappointed with how they have humiliated me with my employer and now my Job is at risk. I am ready to sue them and will go to court on this matter to small claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I purchased a vehicle that was listed for {$6100.00}. I was told I would end up paying around {$12000.00}. I assumed this was the entire cost with financing. But it was n't I was going to have to pay over {$16000.00}. I was rushed through the paperwork via computor signing of the contract. The vehicle had issues and was n't worth what I was charged. It is/was a lemon. It kept breaking down on my. This last time it broke down out of state. Assuming the fuel pump went out. But it would not start. This just 7 months after purchase. I 'm on XXXX and ca n't afford a high payment for a piece of junk. I could n't afford to keep getting it fixed. I contacted Credit Acceptance who finaced the vehicle and told them to go get it. They call with robo calls day and night even calling on Sundays, which I know is illegal. But I think they take advantage of people by ripping them off charging outrageous prices for vehicles they know are n't worth the prices they are upping them to and suckering you into signing the contracts. More so when you cant get but a few months use before it breaks down.

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 2021-03-10
Company: SYNCHRONY FINANCIAL
State: OH
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:
There are numerous inquiries on my credit report that I did not authorize. I have contacted each company and they cant verify any information that I applied for credit with their 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 explanation
Consumer complaint received 2017-07-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have recently acquired a Best Buy - Citi Visa card. Before i ever used the card I called the phone number that was provided on the back of the credit card. I called to ascertain what payment amounts would be required and asked how to figure out, on my own how to figure how much money I would be required to pay. The person I contacted told me that I would never be required to pay more then {$27.00} a month. I wanted to be sure so I asked how much the minimum monthly payment expected for the card would be if my balance was {$700.00}? The person told me that the payment would be {$27.00}. I asked how much I would be required to pay if my balance was {$1500.00}? The person told me that my payment would be {$27.00}. I then asked how much my minimum monthly payment would be if I maxed the card out to {$2000.00}. The person once again told me it was {$27.00}. Last month my minimum payment was {$35.00}, and this month it was {$42.00} in a balance of a little more then {$1300.00}. I would not have used the card if I had known that I would be charged this amount of money. The amount is well over {$27.00} and the payment only payed {$13.00} to the principal. I was lied to and feel taken advantage of. I was not prepared for the credit card people to outright lie to me when I called them for information on how to figure out the payment expectations for using the card. When I called and asked the credit card people from the number that was provided to me on the back of the card, where I could get help from a governing body for credit cards he evaded my questions over and over. Finally I asked what country he was in and he said he was in the XXXX. The time was XXXXPST on the date XX/XX/17. He said his name was XXXX but he failed to give me any information that I could identify him with. Very sleazy situation. I asked to talk to his superior and he told me that this was not possible. He then said he could connect me with an American office. I was pretty sure he was about to hang up on me ... and he did. After " XXXX '' hung up on me I googled for help and found this web site. I hope you can help me figure out how to best deal with this very sleazy situation. Thank you, 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 explanation
Consumer complaint received 2019-08-03
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may Concern, Please please HELP. My mortgage was sold to STATE BRIDGE MORTGAGE  in XX/XX/XXXX. Its been nothing but FRAUDULENT activity on my account. I noticed my payments were going up every year, remind you I was with XXXX for 7 years and my payments never increased. I requested all my. ESCROW Analysis since XXXX and this company have been overcharging my escrow account. The numbers Not adding up. By LAW I am required to keep a certain amount reserved. They have OVERCHARGED my account since XXXX. I should have been paying around XXXX a month for XXXX, yet they said my payment was {$1000.00} I paid for that year. XXXX my taxes and insurance was cheaper my payments were supposed to be {$950.00} and yet this company said its {$1000.00} every years its an XXXX Shortage in my mortgage. I added up my insurance and taxes and my Fiquers is still less. Same thing in XXXX. I just noticed when my insurance company contacted me about an overage check I never received. This company has so many. Complaints on XXXX. I have been sending my payments and do not want deposit it. I refuse to keep paying my mortgage until Im sure of the correct amount. This company doesnt answers phones, dont return call. You can never speak with the ESCROW department everything has to be email or faxed. Then they sit on it or throw away.. I need answers ASAP. This company owes my money from XXXX til now for over payments. I have requested information more than 10 times Im only getting the run arounds. Its not Fair what this company is Doing to us paying CONSUMERS. Its ILLEGAL, I cant afford a lawyer, I wish I could because this has stressed me out and is affecting my health. I cant believe these crooks / liars. I dont think this company is legit. It sounds as though they operate from they houses. Definitely unprofessional, rude, Thiief and Liars. Please please someone please help!!! This Company should not be In business. I work to hard for this Company to be overcharging my ESCROW to make my payments higher and pocket the money, Im not sure whats going on. I have copies of my Escrow Statements and after reading all the other complaints about this Company and Escrow problems. I Am not alone. I will also file a complaint with HUD. This is Unacceptable and Illegal. I have also requested my PMI be removed. They will not respond. 
My name is XXXX XXXX, best contact is email : XXXX Company is StateBridge Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX My loan number is ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Credit Karma has a tv commercial that shows a couple looking at buying a house, and the person helping them - infers it 's a Realtor or mortgage person - saying " all we need to do is check your credit score. '' - then showing a credit score and the person says " It 's yours. '' Credit Karma does not show a lending score and the commercial is misleading, inferring that you can expect to get loan approval with a credit score from Credit Karma. This is totally untrue as almost all mortgage lenders look at credit scores from XXXX, XXXX and XXXX, all of whom use generation 6 FICO credit scores, as part of their lending approval process. This puts the mortgage company in the uncomfortable position of explaining the difference to the potential borrower, especially since Credit Karma has misled the public with this commercial. They should be sent a cease and desist demand immediately and fined for their misleading information.

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 2022-03-02
Company: EQUIFAX, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am the original creditor of the account in question. 

After further research into my account, I find there the be billing errors open-end credit plan NAVY FEDERAL pursuant Title 12 CFR 1026.21 and Title 15 USC 1666 ( b ). 

NAVY FEDERAL has taken adverse action against me in XX/XX/2021 and has closed this open-end credit plan. 

NAVY FEDERAL continues to try to collect payment from me regarding this account. Please see the attached statements of payments made to this account under fraudulent and threatening and harassing conditions. 

On XX/XX/2021, NAVY FEDERAL CREDIT UNION violated 15 U.S.Code 1692d ( 5 ) by causing my phone to ring repeatedly while using abusive language, forcing me to pay a debt. 

On XX/XX/2021, I contacted NAVY FEDERAL CREDIT UNION customer service due to the reporting of a late payment to my consumer credit report, causing my credit score to drop tremendously. 

I, have reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028a as NAVY FEDERAL CREDIT UNION, atleast on four separate occasions, has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. 

NAVY FEDERAL CREDIT UNION furnished my personal information to several third party on atleast 4 occasions which is a violation of 15 U.S.Code 1692c ( b ), without my expressed written consent.

NAVY FEDERAL CREDIT UNION is in violation of 15 U.S.Code 6802 ( 1 ) ( a ) ( b ) ( c ) by disclosing my nonpublic personal information to a nonaffiliated third party while not giving me the opportunity to opt-out or such information being disclosed, nor an explanation of how I, as a consumer, could exercise such nondisclosure option. 

NAVY FEDERAL CREDIT UNION is in violation of 15 U.S.Code 1681 ( a ) ( 4 ) by violating my rights to privacy. 

NAVY FEDERAL CREDIT UNION, on several occasions, has continued to use harassing communication while using a symbol affected by the mail pursuant to 15 U.S.Code 1692b ( 5 ) & 15 U.S. Code 1692f ( 8 ). 

NAVY FEDERAL CREDIT UNION has continued to use abusive debt collection practices as defined in 15 U.S.Code 1692 ( e ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Filo Mortgage, L.L.C.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
applied for mortgage from Filo mortgage co in early XX/XX/XXXX, and complied to a myriad of requests for records that were repetitive. I complied for 6 months of a variety of requests that had nothing to do with my mortgage. I wanted to borrow {$250000.00} on a paid in full {$550000.00} home I bought with cash years before. I have a credit score of 800+ and absolutely no bills except daily living expenses. We have a combined retirement monthly payment of $ XXXX month and felt fully qualified to receive a loan easily. That did not happen, we were asked about simple stupid stuff that went on for 6 months culminating in a loan closing on XX/XX/XXXX. The problem is that I received a loan credit of {$1000.00} reducing my closing costs, during my initial application. At closing it was reduced to {$410.00} which is {$600.00} less than the quoted credit. I asked for an explanation and they explained it was due to an extended time limit for loan accepted. Loans in the past for me were loan to value based and we were totally fully covered for the loan amount, but Filo kept asking for address change for a property also fully paid for and in my history. Also I sold a home 35 years earlier that continued to have my name on the deed with the person who purchased the home. I can prove what I own but how do you prove you dont own it? There were so many crazy requests asked of us even though we did provide the extensive responses from agencies, and communities and court houses etc that we begged for an answer if we were going to get the loan. I had to do the calling to them to see what they now needed. It was frustrating and I called the home office, her supervisor everyone I could to get this off dead center. Filo mortgage is totally incompetent with an office full of inexperienced flunkies. I should not be penalized for {$600.00} that they caused. My loan to value is substancial in my favor, and despite this Filo staff kept asking for more including a family spat between father and daughter that had no basis in the courts but somehow Filo needed an explanation before approving the loan. They ARE A TOTAL JOKE AND i PLAN TO CALL THE XXXX XXXX XXXX  to prevent this happening to others. Please help I deserve to not be penalized for there incompetence

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: ALLY FINANCIAL INC.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally is holding my funds due to a merchant error causing refunded checks. My auto payment will be returned to cause a late payment with my lender.

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 2019-06-16
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Continued from last complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a letter by email threatening to put me in collections a collection agent already contacted me previous before the email. Saturday I received a statement from the collection agent. According to the statement the balance is higher than what the service provider is asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have no idea why you are still in doubt of my identity provided that I have submitted all my documents for you to review. Whatever your reasons for doing this, I am still hoping and looking forward that this time you will be able to do your job properly. Once more, I am sending this complaint about you correcting the issues I have with the items, which I have listed below. These items have so many errors and flaws that should result in an immediate update or removal of the items. This concern was forwarded to ( bureaus ) and the creditors but both have neither failed to respond to my request nor provide concrete documentation to justify their claims. The list of incorrect and unknown items are as follows : Incorrect Personal InforXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Late close : XXXX XXXX Balance : {$0.00} Charge off : XXXX XXXX XXXX XXXX XXXX : {$330.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX CIS XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX A Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB : Please be advised that I represent XXXX XXXX in a modification. She was issued a trial plan which she paid through XX/XX/XXXX when the lender SPS stop taking her payments. At the conclusion of the trial payment in XX/XX/XXXX, my office proceeded to call weekly from XX/XX/XXXX to XX/XX/XXXX2017 being told on 8 different phone calls that the final modification was being generated and would be mailed to XXXX XXXX. In XX/XX/XXXX we were told that there was a problem issuing final modification because someone had registered a contract on the property. XXXX XXXX had no idea who the person was. Upon further investigation, it was discovered that a investor who had previously tried to purchase the property, illegally registered a contract and failed to remove the contract of sale when the short sale was not approve by SPS. SPS was aware of the homeowners attempt to previously short sale the property. My office contacted SPS and informed them we were going to get the contract removed from the title and they informed us final modification would be issued once contract was removed. We have forwarded SPS the documentation showing contract was cancelled and now instead of issuing a final modification, they are attempting to have our client start the entire modification process 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 2017-07-08
Company: First National Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is very old. I do not owe this amount. Tried to reach out to company on numerous times to get updated letter in writing on what I actually owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: General Motors Financial Company, Inc.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I having been working with GM Financial regarding my loan. I was told numerous times by representatives that I would be able to get a deferment on my loan after I have made 6 payments to  them. I have been making payments to them when I can due to financial difficulty. I have also had the website again blocked and paying each time I pay my car note XXXX dollars in fee to use my CC. They said also by representatives that they can what they want when they want. This is my second complaint against them still with no real resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: NAVY FEDERAL CREDIT UNION
State: NY
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:
This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give NAVY FEDERAL CU written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. 

Company : NAVY FEDERAL CU DATE OF INQUIRY : XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation