BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: General Motors Financial Company, 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 information incorrect

Complaint:
GM Financial Leasing filed inaccurate dollar amounts as delinquent notices to credit bureaus. I have called numerous times and supplied them with an explanation of events surrounding the claim twice. I supplied GM with screen shots from XXXX from my credit report. GM has responded but their explanations for not being able to resolve the issue or proceed with my request have been : No specific item was requested for investigation, no supporting documentation was received, the direct dispute is substantially the same as previous dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Receivables Performance Management, LLC
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:
I am having problem with a collection agency so I am hoping you will be able to help me with this matter. I received a notice from Receivables Performance Management. So I called them asking for a validation of debt, the representative informed me they don't have a validation of debt they just have " notes '' so they cant mail anything. How is the possible? How can they try to charge me and report on my credit if they dont even know who the debt is for? It a simple request if they are on the up & up about things but it seems to me they are just trying to get money from people with no leg to stand on. I will not pay anything until I get a validation of debt from them. I would be crazy just to send money just because someone is sayin I owe them but cant prove the debt. All im asking for is proof of the debt so I can settle if I need to. If they cant prove the debt then it need to be remove from all my reports

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 2018-04-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my wife and I sent letters to the credit bureaus asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent to them. They are supposed to respond within thirty days, but they have not.

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 2018-04-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I spoke with Navient last month in XX/XX/XXXX. I was enrolled in a 15 month program for my private loans - I was given a 15 month program for my loans at a 1 % interest rate as I was struggling to make payments. This program worked out very well for me. My income was not increased this year. I called in XX/XX/XXXX ( program expires in XX/XX/XXXX ) ; I was told that I should call back in XX/XX/XXXX after the payment when the program expires. I called last week, XX/XX/XXXX and spoke to a number of representatives. I was told that my loans were NOT ELIGIBLE for a rate reduction program again. The programs are now only 6 months in length and must be applied for every 6 months. Ridiculous - as I do not have time to call and spend lengthly amount of time on the phone. The representative I spoke to told me I was not eligible, but 2 different representatives could not give me a reason why. I was just told it is not available for you. I explained that I absolutely need to be in this program, I can not afford payments and I would be at risk for default. I was told " the software resets over the weekend we will schedule a callback on monday at XXXX to review ''. 
It is a little past XXXX on monday now, still waiting for this phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently purchased a house and i noticed a car loan from XXXX on my credit report without my knowledge. I have never did any business with this company. I am asking that this account be removed from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was informed if you sent money by Western union and I am a victim of email scams. I can be reimbursed by XXXX, I had filed my case in XXXX were informed it will take more than a year. I suddenly had an email to say they sent an emailed to asked for documentation without saying which documentation were requested but now my time has passed and I can still send the documentation but not guaranteed it will be accepted. I did not receive the emails they said they send, but I had tree other persons emailing me to say some payments were made in XXXX XXXX mine will take 120 days to be paid. Can you please help me. As I am in so much debts I had borrowed the money to send to the scammers, please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: GA
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For customers with multiple credit card accounts, customer credit line increase requests merely shift credit between existing credit card accounts rather than actual credit limit increases. I have made multiple complaints to Bank of America about this practice. Moving credit from one account to another is not a credit line increase.

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 2018-06-08
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I paid a bill using " bill Pay '' through my local bank checking account. The bill was to the XXXXXXXX XXXX XXXXXXXX for {$150.00}. This was a utility bill payment to the XXXX XXXX XXXXXXXX, OK. The bill pay check was printed and mailed but stolen during the mailing process. The stolen check was then cashed at a Chase Bank even though the check was clearly made out to the XXXXXXXX XXXX XXXXXXXX. Chase has decided to not share ANY information regarding the check cashing transaction. 
Date of stolen check : XX/XX/XXXX Date stolen check was mailed : XX/XX/XXXX Date stolen check cashed at JPMC XXXX XX/XX/XXXX I have filed a police report. 
I have filed an electronic debit dispute with my local bank. 
My complaint is with Chase Bank carelessly cashing a stolen check clearly made out to a municipallity and should immediately reimburse those stolen funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-06
Company: EQUIFAX, 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:
This complaint is against Equifax reporting agency. I submitted for request of Equifax method of verification for a disputed debt that was verified by Equifax. This request was submitted on XX/XX/XXXX. According to the FCRA section 616, the credit reporting agency has 15 days to supply a consumer with their method of verification for accuracy of a debt. As of XX/XX/XXXX, I have not received any documentation from the above credit reporting agency. 

I am requesting for Equifax credit reporting agency to be investigated for not complying with consumer rights, with providing a consumer with documentation of their company method of verification of a disputed debt. 

The company in which was requested for method of verification is as follow Creditor : XXXX XXXX/ XXXX XXXX XXXX Bank account number XXXX amount {$3500.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX In summary, I have resolved this issue XXXX  as well as XXXX Credit reporting agency . However, Equifax has continued to report this derogatory information in my credit file without providing me with an explanation of their method for verifying any accuracy to alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently purchased a house and i noticed a car loan from XXXX on my credit report without my knowledge. I have never did any business with this company. I am asking that this account be removed from my credit report please.

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 2019-03-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
HSBC USA Fraud Department denied my fraud claim without producing any evidence. 

I Traveled to XXXX XXXX from XX/XX/XXXX to XX/XX/2019. I lost my wallet and my HSBC credit card ending in XXXX ; the card was NOT in my possession when it was used fraudulently on XX/XX/XXXX. I don't know who used it. It was used on XX/XX/2019 at XXXX de XXXX XXXX XXXX ; The total fraudulent transaction amount was {$2700.00} I contacted HSBC Fraud Security Center immediately after I realized I had lost it. I waited for the investigation and on XX/XX/XXXX I received a letter from HSBC stating that the claim was denied. I contact the security center to receive an explanation of the investigation and proof of the purchase, and they were very secretive. I finally ask to speak with the investigator her name is XXXX XXXX. She wasn't available, requested to have her call me back, never received a call. After multiple times calling and calling to get the documentation involved in this transaction and the investigation paperwork. I was told that they had not received the credit card receipt that they had requested multiple times and that the company where the credit card was used at hadn't send the receipt yet. 

Then I asked why they are making me liable of charge that is fraudulent? the answer was because they feel the transaction wasn't fraud. I asked how they know I'm not telling the truth with no evidence backing that decision. They are avoiding to give answers and produce conclusive evidence of the investigation. I call and call and XXXX is never available. 

I really need help. I was hesitant to use HSBC as my primary bank and now I feel I was right. They are discriminating me and I feel without evidence accusing me of using the card for my benefit. I need help with this company. I'm accused and liable of a credit card charge I didn't commit. 

Attached is he police report. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Webcollex, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number listed above is my work telephone number. I did not give the original creditor permission to call this number at any time. Yet, now the debt collection agency, CKS Financial is calling this number using a robocaller. Caller ID shows it as XXXX. Today alone I have received 4 calls from this number to my work telephone number. In the past week I have received a total of 20 calls from this number with the same pre-recorded message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have been charged with a missing key on XX/XX/XXXX for {$400.00}. We have repeatedly told Toyota Financial that the 2nd key was placed with the documents and it was placed in the glove compartment. Please note that the car will not lock if it senses a key inside the car. The car was placed under the dealership from XX/XX/XXXX, until it was inspected on XX/XX/XXXX. The XXXX XXXX XXXX was left unlocked for 7 days. During this time, the key was either removed from the car and misplaced or thrown away. No one from the car dealership nor the Toyota Financial contacted us for the missing key only after I received a letter on XX/XX/XXXX, noting that I own them {$400.00} for the missing key.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28
Company: WELLS FARGO & COMPANY
State: SD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2011, I completed my schooling and began paying back my loan with Wells Fargo. The original loan amount was {$10.00}, XXXX. I have been paying on this loan now for approximately 8 years and the amount has increased instead of decreasing. My current payoff is about {$12000.00}. I contacted the company to see if they would accept a lesser amount to pay it off and they would not do it. I have already paid approximately {$9000.00} dollars. The company should be willing to accept a payoff in the amount of {$5000.00}.

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 2018-06-21
Company: Daramad LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car dealership repossessed my vehicle XX/XX/XXXX after a four day late payment. My contract stated that i had 10 day grace period to pay my car payment. He also took a {$150.00} money order that was not signed and refused to give it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased and financed a vehicle in XX/XX/XXXX at that time I also purchased some Service Contracts as well as a Gap Insurance policy. 

XX/XX/XXXX my car was in an accident and deemed a total loss. My Insurance Company immediately paid the cars value, which left a gap amount of approximately {$4400.00}. 

My Gap Insurance responded with a number of excuses, they did everything except pay the claim. This lead me to file an insurance complaint with Florida Department of Financial Services. 

My GAP policy stated that the policy was between the dealer ( Mercedes Benz XXXX XXXX, FL ) and I, which lead me to list " Mercedes Benz '' as the provider on my complaint. 

Mercedes responded that they do not sell insurance but yet instill they did pay some some of the balance due. Mind you I have been emailing Mercedes since XX/XX/XXXX to have this GAP balance paid and after all that on Friday XXXX I received a call from a collection agency. 

The agent stated that she was calling on behalf of Mercedes, I  couldn't believe that they had my account sent to collections without the courtesy of a phone call or a letter to update me on the final status. 

This lady went on to tell me about my account my account being in collect of course Mercedes made it appear as if they have been trying to collect since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX a rep from the insurance division of Wells Fargo contacted the flood division of XXXX to see if they had received the check that was sent to them in XXXX. XXXX ( Wells Fargo Rep, Ins. Division ) stated that the check has not cleared and wanted to know if the renewal had been issued. XXXX indicated that it had not since they had not received payment. XXXX then gave them an overnight mailing address so that Wells Fargo could mail them the check & so that XXXX would receive the check prior to XX/XX/XXXX which was the final date to receive payment before the policy could no longer be renewed. According to XXXX, billing notice was sent out on XX/XX/XXXX and then the lender updated some information through XXXX XXXX. My premium at the time of billing was {$750.00} for the year but the policy lapsed after 90 days. I had a grandfathered policy which I have had since XXXX, XXXX. Since the policy lapsed, my new premium is now going to be {$2300.00} a year. I DO NOT feel this is an error by me as I made the payments that covered the flood insurance. No one at Wells Fargo followed up on the uncashed check, no one issued a stop payment on the original check or reissued a new check. I would still have my original flood insurance premium had this issue been handled. When I originally got my flood insurance, the premium was five hundred and something. I technically would never catch up to my new premium as they continue to go up. I have no intention of ever selling my home so this error is going to cost someone thousands of dollars. I have no intention of paying more for more flood insurance because of someone elses error. You have always held us accountable for what we owe on our home so Im going to hold you accountable for this error on your behalf.

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 2019-03-31
Company: AmeriCollect
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:
FTC VIOLATION SENT TO EVERYONE WITH THE HIPPA VIOLATION THESE ACCOUNTS ARE NOT KNOWN TO ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I canceled auto insurance in XX/XX/2011 for a vehicle that I no longer possess. I was told numerous times that XXXX XXXX called in and reinstated my insurance causing a XXXX bill with USAA auto insurance company. It is now over XXXX years old and they refuse to stop collecting for it. This is one variable that is illegal. Secondly, charging insurance for no vehicle. Most importantly, allowing a bank to undermine my account. 
Furthermore, I called USAA over a 100 times and they care less. I received a letter that you all stepped in regards to my closed checking accounts and USAA discriminationed against me with checking, auto loans and a secured credit card offer. My credit is stellar. Their out of control. 
I would appreciate any help at all with these matters. 

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 2020-06-24
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan is a federally owned XXXX XXXX loan brokered through PNC. I tried to invoke payment deferral under the CARES Act. I went to their website and filled out a form requesting CARES ACT mortgage payment deferral assistance. I never consented to the plan they have put me on either verbally or in writing. I received notification in the mail shortly thereafter misrepresenting the payment plan I requested. The paperwork they sent in response to my request for Covid related financial hardship assistance claims that I gave verbal consent to a totally different plan. I never spoke to anyone on the phone about this plan before receiving this paperwork. I worked hard to find the correct Covid specific financial hardship request form as it was buried under multiple pages on their site. I have spoken to them multiple times trying to resolve this matter. I have not consented to this plan in any way, verbal or written. 

PNC is refusing to issue me the appropriate paperwork to correct their mistake and sign me up for a 12 month consecutive payment deferral per the CARES ACT. I have requested paperwork for the 12 month payment deferral plan, and instead they either send me paperwork for a different forbearance plan ( usually regarding a balloon payment ) or tell me on the phone that I will have to wait until XXXX to get more information and that they simply do not have enough information to assist me. When I was on the phone with a representative today I was told that I had to listen to them read to me a list of my options. When I said that I want the option that they did not read, the representative said, yes that is an option too. When I asked why I was not read that as an option, she simply said " I am XXXX. Things are changing every day. '' It appears as though PNC is willfully misleading consumers into thinking they do not have the rights that they actually do under the CARES ACT and are not in compliance.

Company response to consumer: Closed with explanation