BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-28
Company: FCI Lender Services Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My original mortgage loan was with XXXX XXXX XXXX which XXXXXXXX XXXX filed chapter XXXX and split the with XXXX XXXXXXXX XXXX  XXXX I got lay-off and XXXX did a Home Affordable Refinance Program ( HARP ) which I got new mortgage with XXXX XXXX XXXX changed XXXX XXXX  XXXX Also I filed chapter 7 in XXXX due to XXXX split Mortgage Specialized Loan services

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: 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:
On XX/XX/ I sent Experian, XXXX, and XXXX  a letter stating that I wanted the detrimental accounts listed on my credit report reinvestigated. They received these letters on or about XX/XX/2021. XXXX  responded well within the allotted time. Experian  and XXXX  however did not ... even as type up this complaint on XX/XX/2021 at XXXXXXXX XXXX 60 days later they still have not responded. On XX/XX/ 49 days after my initial letter I sent them another letter saying they had completely taken the allotted time as outlined in the FCRA and to delete the accounts I asked to be reinvestigated. Experian received my letter on XX/XX/ at XXXX XXXX. As of XXXXXXXX XXXX XXXX at XXXX XXXX  XXXX  still has not received my letter. I know this because I sent them certified. And I will provide photos of all this as well. At first I was not going to file this complaint because i said to myself, " I know they deal with a lot of paperwork and a lot of disputes so I'm going to give them the benefit of the doubt. '' But as I thought on it more as
d as more time went by I came to the conclusion that there is no excuse for this that even 60 days later they have not said nothing to me at all. They have rules and guidelines to follow just like anyone else. XXXX followed them so these two bureaus should as well.

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 2018-06-12
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received a response that doesnt answer my complaint. They are telling the truth I was promised the repayment will not affect my credit score, they lied. I want them to jorobe their word. All the agreements were verbally made and they refused to listen to the conversations. They just dont care. If I knew the repayment will affect my credit I would have chosen a very different route their unethical behavior is affecting many people they dont stand behind their employees, the fact they are not properly trained is not the consiners fault. I just want sereterus to stand by their word, they are legally committed to what they said.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed a bankrupcy on my credit via online and in the mail. Transunion is the only credit bureau that cotinues to claim they have verified this bankruptcy. I have sent out a letter requesting physical proof or signature that this is my bankruptcy. They have failed to do so but have sent me a letter saying the verified the information thru the courts. So I made an appointment and went to the courthouse to obtain my own prtoof that this is not my case. In addition it's against the law to put incorrect information on someones credit. So this is my last complaint because the next step is filing in court so transunion can provide proof that they legally verified this claim. Whats sad is EVERYONE knows that the court does not provide information to third parties. None of the creditors listed are on my credit report because they saw that the accounts were created fraudulently.

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 2020-06-28
Company: HYUNDAI CAPITAL AMERICA
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I use a loan acceleration company to pay my auto loan. They have made all applicable payments on time to Kia Motor Finance. The payments are sent out on the third week of every month. Do to this two payments were received in XXXX. They applied the second XXXX payment to the principal, even tough directions on the check was to apply to XXXX 's payment. I contacted XXXX when this happened and they informed me they would correct it, however they never did. They now have me in collections and want me to make an additional payment, instead of backing the payment out and correcting their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: 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:
On XX/XX/2021 I sent XXXX, XXXX, and Equifax a letter stating that I wanted the detrimental accounts listed on my credit report reinvestigated. They received these letters on or about XX/XX/2021. XXXX  responded well within the allotted time. XXXX  and Equifax however did not ... even as type up this complaint on XX/XX/2021 at XXXX XXXX  60 days later they still have not responded. On XX/XX/2021 49 days after my initial letter I sent them another letter saying they had completely taken the allotted time as outlined in the FCRA and to delete the accounts I asked to be reinvestigated. XXXX  received my letter on XX/XX/2021 at XXXX XXXX. As of XXXX, XXXX, 2021 at XXXX XXXX  Equifax still has not received my letter. I know this because I sent them certified. And I will provide photos of all this as well. At first I was not going to file this complaint because i said to myself, " I know they deal with a lot of paperwork and a lot of disputes so I'm going to give them the benefit of the doubt. '' But as I thought on it more as
d as more time went by I came to the conclusion that there is no excuse for this that even 60 days later they have not said nothing to me at all. They have rules and guidelines to follow just like anyone else. TransUnion followed them so these two bureaus should as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : XXXX XXXX has attempted to collect a debt from me that is not my responsibility. They have utilized 3 collections agencies over the past 4 years to harass me. I have disputed each attempt with evidence, and then the case is pawned off on another agency. I have attached a copy of my written dispute. In short, I was charged for electricity I did not use. I was living in another state at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are a few accounts on my credit report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PDQ Collections sent me a notice of collections in XX/XX/2020. I disputed the debt within the 30-day timeframe they required. I obtained the fax number to the collection agency and faxed a dispute form stating I didn't owe the debt. This dispute form was faxed to PDQ on XX/XX/2020. Instead of holding the file, they reported the debt to the credit bureaus, thus negatively impacting my credit. 

I have filed a complaint with the Attorney General 's office as well siting both PDQ and XXXX XXXX XXXX. PDQ violated FDCPA regulations and XXXX XXXX 's behavior ( running unnecessary tests on a patient 's biological specimens ) behavior which is both unethical and unprofessional. XXXX, the debt is only {$100.00}, I refuse to pay a debt I do not owe. It has taken a lot of time dealing with the situation ; however, the conduct of both PDQ and XXXX XXXX must be confronted and reported or they will continue this bad behavior negatively impacting many people and their families in the worst way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Today, XX/XX/2018, I received a notification that Caliber Home Loans would henceforth charge a {$3.00} fee for paying our mortgage online. Only if we authorize continuing automatic access to our checking account will that fee be waived. This policy is outrageous. I asked Custimer Service for the Caliber Corporate Offices number to complain about the policy but was refused that information. The corporate phone numbers appear to be nowhere on the web. 
Again, I am angered on several levels : I asked specifically for a XXXX XXXX for our new house because of online access. Secondly, this is s cheap attempt to force automatic payments and access to personal accounts. Three, this is UNFAIR to  veterans who count on access remotely during deployments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit report pulled because every time I kept applying for credit cards I would get denied. To the best of my knowledge I have always paid my bills on time. There are several items on my report that need to be removed. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$240.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX TX XXXX {$460.00} XXXX XXXX TX XXXX {$240.00} XXXX   XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  TX XXXX {$460.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX   TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: General Motors Financial Company, Inc.
State: MI
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:
After turning the vehicle in at the end of my lease, vehicle was XXXX miles under allotted miles, vehicle was in great shape. Received letter from GM financial on itemized breakdown of the remaining amounts due on my account. No charges on excessive wear, past dues, lates fees etc. but I was charged on one fee and that was, a Disposition Fee. I was not informed at the time of signing about this fee, this fee was buried in with all the other lines and numbers, a total of approximately 100 different entries and was not reflected in the final numbers at the bottom of a 2 foot lease. Also, when looking for the definition of, Disposition fee, I found it under the return of the vehicle about two thirds into the XXXX worded back side of the lease, one small line stating, " the item 4A disposition fee unless this fee is waived under item 23 ( t ). ( 4A being the disposition fee buried on the front of the lease as I stated earlier in my letter but fee not being shown in the final numbers. ) Now going down to 23 ( t ) it states, Disposition Fee Waiver : The item 4A Disposition Fee will be waived if you purchase or lease a NEW General Motors vehicle when this lease ends. NOW think about this, I am being charged {$390.00} dollars for Disposition fee, .XXXX  XXXX  for past due payments, and {$23.00} for tax, Totaling {$410.00} dollars due. because I didn't buy another vehicle from GM. This is legal extortion!!!!! How can a government allow a company to charge someone a large expensive fee because they either could not afford to purchase a new vehicle again or was not happy with the vehicle ( GM ) they purchased. When I told GM financial in a phone call that this fee was not presented to me at the time of signing and I did not initial the disposition fee line stating that I was aware of this fee, that this was legal extortion and I would not pay the XXXX. They, GM financial then stated that this would go on my Credit Report for non-payment. Now, I own a restaurant, why should I not be allowed to charge a customer of mine a disposition fee of XXXX bucks because I found out that they went to a competitor of mine and purchased a sandwich from them. I believe this action by the BIG companies should not be allowed and the government needs to step in and stop this practice. I have filed a complaint with the Attorney Generals office, my local State Representative, XXXX XXXX, my US Senator XXXX XXXX and now here. Thank you for your time, XXXX XXXX, XXXX, MI. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a credit card opened ( Vervant PCB ) since XX/XX/XXXX and every month I make my payments on time but on my Experian credit report it show my account but says " No payment has been reported to this account ''. Also I'm unable to see my resolved disputes as well! I've spoken to the dispute department 3 weeks ago and was told that my credit card payments are being reported every month and I also get email alerts that tell me my disputes are ready but this wasn't their issue I had to speak with the membership department to file a case for technical issues. 
I spoke to the membership department and filed 2 cases for both issues # XXXX & # XXXX which these issues were supposed to be resolved and fixed within 72 hours. It's almost a month and Experian still won't fix my issue. I spoke to several supervisors and was promised this would be fixed! The last supervisor I spoke to was extremely nasty and refused to help me her name is XXXX on XX/XX/XXXX. I asked for a refund because I pay a membership fee every month of {$24.00} and I expressed how important it was for me to have accurate information because i pay a credit repair company every month to help repair my credit and this is getting in the way of my progress. My credit repair specialist was disputing XXXX  XXXX credit card for months thinking the consumer wasn't reporting my account when the whole time it's a Experian issue. Can you please help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: DISCOVER BANK
State: CO
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:
In XXXX of XXXX I purchased 8 tickets at XXXX per ticket to see the Broadway show XXXX XXXX XXXX in XXXX Virginia. The show was scheduled for XX/XX/XXXX. In XXXX of XXXX the show was cancelled due to COVID19. We contacted Ticket Office and asked for a refund. However, they refused the request and offered a credit of 120 % the value of the original tickets. I reached out to my credit card company, Discover. I explained the issue. They temporarily credited the card back for the purchase. Then the card was charged again, after they sided with the merchant. This began the fight. I have provided them with numerous emails proving we requested the refund. The show was cancelled and not rescheduled. I have XXXX and was told not to travel during The pandemic. In XXXX of this year I came down with a severe XXXX in XXXX and spent 5 days in the hospital. I am currently on oxygen. I explained that I could not fly, nor could I use a credit of XXXX in live event tickets. If the original show was canceled and not reschedule, then I should be allowed to request a refund for those tickets. After 16 months of fighting and having to pay the interest, I decided to pay the balance and close the account. I have had the account for 20 years, never missed a payment, and my Credit score is an XXXX. I lost my husband and am living on a fixed income. This has caused a hardship and the credit card company will not assist in resolving the issue. This is the case number for this dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently checked my credit report and found several addresses and accounts that are not mine. Below I will list the accounts and addresses that are incorrect on my credit report. 


Experian : Account Name : XXXX XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account XXXX :XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX Experian Address that I have never been associated with:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # :XXXX Date Open : Balance : {$1100.00} Account Name : XXXX  Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX fraudulent addresse : XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # :XXXX  Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX/XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX  fraudulent addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-08-20
Company: BMW Financial Services NA, LLC
State: RI
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:
I disputed this late payment status with BMW twice now and XXXX XXXX and equifax. This account has not been late, and is current right now. I just want the account to be updated to on time because according to every single account including my actually bmw account it is still current. I would like whatever month is showing late to be deleted that lowered my score last week. I have been current on this account since XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My issues is with simple bbva online bank and my external account was from XXXX mother bank is XXXX  XXXX XXXX XXXX XXXX, I had opened a checking account with my prepaid account funds and they don't have regular bank statements they have statements with the debit card numbers on it and they don't provide regular bank statement with the checking account numbers on them that they found was extremely transferred from I can't prove that the account is mine because they want that exact verification I'm also having trouble communicating with the bank because they won't answer me anymore when it comes to my account issues and I have, its actually more then that cause when I had opened the account they had my debit card shipped to my old address which I was in process of moving I thought I would be able to get my debit card so I had it sent there well I didnt get it and so I called and they couldnt help me so I had added another banking account I have onto my simple account the one I am having issues with well as soon as I did that they locked my account and told me that the reason the account got locked was because of the external account and I needed to send verification of it in well I did, because the first one I cant get a statement to and until I added the second account they didnt have my account locked, well they went back on their word and asked for the prepaid card account statement which I can not get I am having trouble they wont even close my account and send my fund to me

Company response to consumer: Closed with explanation