BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I began the process to refinance my mortgage in XXXX of XXXX with XXXX XXXX XXXX License FL XXXX, NMLS # XXXX ). During this process, my mortgage was supposed to be closed before XX/XX/XXXX. However, due to constant delays, including the loan officer not knowing laws regarding my FHA mortgage and appraisal during the refinance process, my closing was delayed multiple times. I contacted XXXX, the loan officer, about paying my XXXX mortgage on XX/XX/XXXX and was told to hold off on paying my monthly mortgage and she assured me that it would not hit my credit. Further, XXXX contacted me on XXXX to again advise me not to pay my mortgage for XXXX, again assuring me that nothing would hit my credit. 
I closed on my refinance on XX/XX/XXXX with a 3 day right of recission, with the payment supposedly funding on XX/XX/XXXX. However, the title company stated that they had issues with wired funds for a payoff, thus my payoff wasn't sent and delivered until XXXX, resulting in a 30-day late hit to my credit. Upon speaking to XXXX about this, she referenced the fact that I could have paid my mortgage for XXXX and simply waited for a refund from my mortgage company, however, she never advised me of this until after closing. Had I know that that was the case, I would have gladly paid my XXXX payment and waited for a refund. 
I contacted XXXX, the loan officer, about this and she filed a dispute with the credit bureaus, writing a letter that appeared to come from me directly, but was authored by her, but the situation was not resolved. Her supervisor, XXXX XXXX XXXX NMLS # XXXX ) advised her that the credit bureaus would most likely not accept that letter in reference to my credit dispute, citing the multiple other documents that would also need to be submitted. 
In order to begin the process of disputing the hit to my credit myself, I requested a letter of explanation admitting fault from the title company, which they provided, and a letter of explanation stating that I was ill-advised not to pay my XXXX mortgage by my loan officer. However, she refused to do so, stating that it would compromise her loan officer license and XXXX XXXX, the branch manager of PRMG, has refused to return my phone call and emails and has refused to be involved in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
THIS LAWYER IS XXXX, XXXX, AND XXXX. AFTER I CORRECTED THEM THEM THEY CONTINUED TO CALL ME MAM AND MADE THREATES TOWARDS ME. SAID THEY WERE TAKING ME TO COURT. SENT XXXX XXXX TO MY HOUSE AND POSED AS A FAKE POLICE. I CALLED THE XXXX XXXX COUNTY SHERIFF TO ALWRT THE REAL POLICE. THIS LAW FIRM IS EVIL AND NEEDS TO BE DESTROYED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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: Was not notified of investigation status or results

Complaint:
In XX/XX/2020 I filed disputes with all three credit bureaus. I have yet to received ANYTHING from them .. This is 100 % unacceptable. Since this was on done XX/XX/XXXXyou cant use the holidays as an excuse. I understand with covid things are slow but this is right. Attached is the first disputes I filed

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 2020-09-01
Company: FORD MOTOR CREDIT CO.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I worked out a payment arrangement with the finance company, due to loss of income because of COVID-19 : I had a few bounced checks during the arrangement. But was never notified of this. I had changed banks and didnt realize I was set up on automatic payments. When I realized what happened I logged into my account and setup a payment for XX/XX/XXXX to take care of 2 payments. When I logged in the next day to make sure that they would be deducted from the correct bank. I saw that access to my account was blocked. Upon calling the finance company I was informed that my vehicle Was up for repossession and the only way to keep it from being repossessed was to wire them money through a third party website. Keep in mind the people I talked to kept changing their stories and were extremely rude. They treated me like a second class citizens. 

This phone call was on a Thursday. I informed them over the phone that I would not be able to make the payment until the following day that Friday because thats when I got paid. 

They rudely told me that they can not stop the repo until the receive the payment : The next morning I got up 3 hours early so that I could take care of the payment and avoid the repossession. When I walked outside the truck was gone. 

A few more phone calls with a bunch of rude people later. I ended up having to pay {$2700.00} to get my vehicle back. Along with a {$100.00} fee from the third party payment processor. 

Fast forward to today and my account is again past due. I have tried to reach out to the company to make the payment but my account is stuck somewhere between repossession status and current status. They have already reported it to the credit bureau as a repo. So now theres no hope of possibly refinancing the loan. 

Also the payment I had setup for the XXXX they have tried to deduct. From the wrong bank account. So now I am out more bank fees. 

I have tried to resolve this whole matter with them but they refuse to help or offer any assistance. 

Im a XXXX XXXX veteran. I feel like Im being greatly mistreated when all I want to do is get the loan correct..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Wells Fargo Auto is currently sending me documents with fake CPI policy numbers and inaccurate dates that policys were placed on my car loan account resulting in delays and payments under the allocation program. On XX/XX/XXXX a care team customer I called at Wells Fargo XXXX XXXX XXXX XXXX denied being from Wells Fargo and advised me that they were a third party co named XXXX who did not have answers regarding any of my account information. 

Wells Fargo will not provide me with the mediation form request so I may obtain mediation outside Wells Fargo. 

On XX/XX/XXXX I was given The Wells Fargo Mediation Group phone number XXXX XXXX XXXX to get help with mediation. The mediation group referred me back to Wells Fargo CPI care team to request a Mediation form as they will not be able to assist me with the fraudulent letters and claims until they receive a Mediation Form. 

Again I called Wells Fargo care teams that are responsible for the allocation payments and was told I am not entitled to the Mediation form and that I must accept the fraudulent letters and they are rejecting my dispute of an inaccurate payment of XXXX and for XXXX. I have provided Wells Fargo Auto and the CPI settlement of a complete payment history of my loan validating over XXXX dollars solely in fraudulent ins premiums fees and int. They have been claiming to fix this error since XXXX. 
Wells Fargo Auto along with Wells Fargo bank are claiming on their website that are addressing the accounts that were wrongfully charged duplicate ins premiums in order to make things right and repay borrowers for money that was demanded unlawfully. full for duplicate unnecessary allocation payments will be distributed amongst the borrowers that were wrongfully charged duplicate CPI insurance policies. 

Wells Fargo Auto Carr teams and CPI settlement will not respond to my emails being sent to XXXX despite claiming to respond within 48 hrs.

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 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 XXXX XXXX   XXXX XXXX XXXX from XX/XX/2018 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 explanation
Consumer complaint received 2018-09-24
Company: EQUIFAX, INC.
State: OH
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 am a victim of ID Theft. I was contacted by the XXXX XXXX XXXX that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
On or about XX/XX/XXXX, USAA reported our credit card accounts closed or settled. This was not the case. The credit reporting agencies stated this as negative reporting during a time we were house-hunting and preparing to secure a mortgage pre-approval. 
We decided not to apply to a lender until we could be sure our reports were clear of this matter. 
USAA staff first stated no knowledge, then cited errors by the credit agency, then finally a supervisor acknowledged the error, affected thousands of consumers, stated the error was reported on monthly credit card statements. This was not the case. I asked for letters supporting the accounts were in good standing and these were received. USAA stated the corrections were made with the credit reporting agencies and corrections take 30 days. 
As of today, the alerts remain on our credit profiles. I asked the supervisor if this error was required to be reported to CFPB, given published XXXX issues at USAA, and was told not required. 
As information, USAA call center staff stated the errors could not be addressed until consumers called USAA, as it was not clear who was impacted. 
Yesterday, XX/XX/XXXX, a message from USAA came to my USAA banking inbox stating the error had occurred, and what had been done to address it, which is what they should have done initially. 
This notice to your agency is to make you aware of this matter. 
USAA contacts " XXXX, '' Supervisor on XX/XX/XXXX ; Executive Resolution " XXXX, '' on 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 2018-07-18
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted a debt VALIDATION letter to XXXX XXXX XXXX and it's original creditor XXXX/XXXX  on XX/XX/2018. In the letter ( attached ) i asked to have the debt VALIDATED by showing proof of agreement with a bearing signature and proper documentation that allowed them to report negatively on my credit file. XXXX XXXX XXXX AND XXXX both responded with a bill instead of actual proof of this account being owed by myself. XXXX XXXX XXXX is reporting to my XXXX and XXXX is reporting to all 3 of the credit bureaus ( XXXX, XXXX, and XXXX ). So i am taking two hits on XXXX by the same debt. This derogatory and offensive account is critically hurting my credit score and has caused several denials with banks. Neither XXXX XXXX XXXX or XXXX can properly VALIDATE this debt being valid and i would like this negative reporting removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I turned in my Infiniti XXXX on XX/XX/XXXX per lease agreement. On XX/XX/XXXX I received an " End of Lease Liability Statement '' with a {$390.00} disposition fee and another {$560.00} for property taxes. I called Infiniti Financial Services on XX/XX/XXXX regarding the property taxes and was told they would be sending me documentation that the taxes were paid to the States of Texas on our behalf. On XX/XX/XXXX I received a " Notice of Default. '' I send the payment of {$950.00} on XX/XX/XXXX without having received the documentation I requested. On XX/XX/XXXX I received another " End of Lease Liability Statement '' but the property tax amount was changed to {$760.00} and so it showed I still owed {$190.00}. Since this seemed like a scam, I once again contacted Infiniti Financial Services asking why the property tax amount changed. They could not give me an answer but once again said they would mail me documentation. Three days after this we began receiving calls from a collection agency. They have been calling at least twice a day since. They can not provide any information but just insist we owe {$190.00}. I think it was unprofessional and unnecessary to send this account to a collection agency to harass us AFTER ONLY 17 DAYS. This could be easily remedied by sending the documentation as promised!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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 have attached an FTC report with a fraudulent collection which is not mine.

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 2020-05-27
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I sent in a dispute. And on XX/XX/2020 it was finished. With no explanation of how this was verified. The item was paid by insurance. I would like this item reinvestigated and taken off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
THE DISPUTED BANKRUPTICIES HAS BEEN DISCHARGED IN THE COURT OF LAW AND NO CREDITORS ARE ALLOWED TO REPORT DISCHARGE CASES. THOSE BANKRUPTICES HAVE BEEN HURTING MY CREDIT AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT, IT HAS BEEN TOUGH BECAUSE THERES SO MUCH THAT I AM TRYING TO ACCOMPLISH FOR MY BUSINESS AND DUE TO THE NEGATIVE ITEMS AND INACCURATE REPORTINGS IT HAS HOLD ME BACK FROM DOING THAT. PLEASE INVESTIGATE THIS AND HAVE ALL THE DISPUTED ITEMS REMOVE. PLEASE SEE THE ATTACHED PAPERWORK FOR THE DISCHARGE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute claim for unauthorized transaction on XX/XX/XXXX around XXXX for XXXX and a unauthorized transfer from my account to another party account on XX/XX/XXXX for {$250.00} dollars. The dispute claim sent me a message on XX/XX/XXXX saying they didnt find no errors made. So I had sent them over some documentation saying I was a victim of identity theft. So they sent over a message saying on XX/XX/XXXX there wasnt no declines for insufficient funds made, so I keep stating to them that the person who stole my identity was someone they was very close to me friend/ family member who knew I just received my tax refund. So of course someone close they knew how much to take off. And they also saying my pin wasnt changed prior after the transaction was made and I also explained to them that I didnt realize my funds was stolen until the next day when i realize someone around me had stolen my wallet. So thats when I called to check my balance and cancelled my card. Than comes XX/XX/XXXX when the transfer was made the same close person to me knew I issued a new card so they knew my account number and everything because my wallet had my social security number and everything inside so they made a transfer from out my account into my cousin NetSpend card because they stole his card as well, a mastermind when it came to taking my money. Basically XXXX XXXX NetSpend Prepaid XXXX dispute claim is calling me a liar and saying that I was the one who spent my funds and that Im not a victim of identity theft and its not fair to me nor my kids that I couldnt handle all my business because I came up short.

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 2023-01-28
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Credit acceptance has been reporting I owe them XXXX during the pandemic I paid it down to XXXX and it been over a year and they still reporting I owe 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 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have made a dispute with each bureau and it has been more than 30 days

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 2017-12-23
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Diversified Consultants, Inc dated XXXX/XXXX/XXXX attempting to collect a debt from XXXX in the amount of XXXX. This is the second attempt from a company claiming to be debt collections based on a debt I DO NOT OWE because after the first attempt from XXXX XXXX XXXX, I had already confirmed with XXXX that NO such debt exists. Diversified Consultants, Inc kept trying to call me multiple time daily over the past month until finally on XXXX/XXXX/XXXX around XXXX XXXX I returned their call. I tried to explain to them that the debt is not owed but they were adamant that it was and offered me a settlement offer ( only if I gave my card information over the phone ) at a bit of a discount. When I refused, the person at the other end of the line became hostile, pressuring me " Why? Why not? '' and although profanity was not used, the tone changed and he became quite unprofessional, going so far as to mock me for saying that I wanted to be able to pay the settlement price online, stating that it can only be done over the phone. I only asked to test this person, but I am confident through my conversations with XXXX that I have no debt. I have paid all my debt through XXXX online, promptly, since I can remember. 

As an aside, each time they call they NEVER leave a voicemail and always call from different numbers. Even though the number stated on the bill is XXXX, I have received calls from the following ( to name a few ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: WELLS FARGO & COMPANY
State: IA
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:
I called my bank to file a claim on some fraudulent charges on my business account. They closed my debit card and sent me a new one. My merchant sends deposits through my debit card and my deposits are missing from theXX/XX/XXXX when I received and activated my new card. My merchant says they have traced the money back to Wells Fargo and they have definitive proof Wells Fargo has not sent back my deposit and has my money. I have spent over 12 collective hours on the phone and been to the bank at least 4 times. Wells Fargo claims they do not have my money. Somehow {$1000.00} worth of deposits is just missing? My merchant is XXXX. I have been with both companies 7 years.

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