BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-31
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XXXX XXXX XXXX Gm financial Lease I signed for 48 mos {$440.00} a month I was told they needed {$2500.00} down I traded in a car rebates ate my negative equity. Dealer tried numerous sales tactics, they also lied and told me score was lower, I put {$3500.00} on vehicle new vehicle had {$6500.00} in rebates and it was a demo so I intotal put $ XXXX down. Vehicle had numerous issues and vehicle was damaged before purchase and never disclosed! Dealer never informed me once informed the flagged me with Gm finanacial and refused to trade me out of the vehicle. They forced me to keep vehicle and blackmailed me. I was forced to pay almost XXXX for a car stickerd at XXXX. The paint peeled from their XXXX repair and the dealer and service manager purposely scheduled appts inconviently. Once I called Gm customer care to report their inappropriate behavior. They flipped the script to make me look wrong with Gm custom. Numerous attempts to repair exterior finish eluded to a vehicle that looked like it was 4 years old when its only 1 year. DEALER PURPOSLY DAMAGED MY BRAKES AFTER EVERY REPAIR. On the way home from first repair car sounded like brakes were applied without depressing pedal. The advisor informed me it may be a Rock caught in the pad and rotor? I dont drive on dirt roads or jungles! Rock was from parking lot of dealer. Numerous pads and rotors replaced in a course of 1 year. When consumer attempts to trade vehicle in credit score XXXX plus. Dealership had me drive 70 miles 1 way to come in to inform me I needed to pay {$1800.00} down to trade in for another demo with XXXX miles. Not the color or features I wanted. They stiff armed me into a vehicle lease on XX/XX/2016 on XX/XX/2016 when vehicle went to be repaired I was railroaded into resigning lease agreement only never presented with buyers order or informed what payments would be prior to signing! I paid my down payment after I signed my paperwork! They forced me to pay card on theXX/XX/XXXX but I never received paperwork! I then had to bring {$1.00} cash by XXXX XXXX to close deal and then Id get my paperwork! Never received proper paperwork! Keys missing and all! Dealer beyond disrespectful! Service manager full of balogna to be nice and descreet on voicemails but then change his Story in person. They all worked together to XXXX over a hard working individual. I tried purchasing my lease through the dealer they wouldnt let me do it. There was always a problem. The dealer wasnt helping they never offered to swap me out of s vehicle without me putting anything out of my pocket! They also inflated the payemnt so high it was ridiculous. I tried purchasing a truck theyre woukdnt let me trade. I make the money and I have the credit they Just did things out of. They reported I was late paying and I never was late! Id like all derogatory remarks removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is a follow up on my previous complaint XXXX, regarding actions that have been taken while the complaint is still pending/unresolved. As of 1XX/XX/XXXX I will no longer communicate directly with them because they have fouled up every request without fail. 

XX/XX/XXXX : I received an email response ( sent from them on the XXXX but stuck on their mail server and not delivered until the XXXX, putting this response just before I lodged my initial complaint ) saying I had to submit a new IDR request to be put on the IBR plan. 

XX/XX/XXXX: I went ahead and submitted a new request, this time only submitting it a 'recertification ', giving them the chance to effectively keep me on the original IBR plan I should never have been removed from. I also responded vie the XXXX portal with a message saying as much. 

XX/XX/XXXX : I received approval for the REPAYE plan. There was no indication of what this was in response to. My new IDR request was clearly not for REPAYE, so I have to assume that after some mucking around they decided to take me off the standard plan they erroneously put me on and switch me to REPAYE.XX/XX/XXXX : I received and interest notice. It would appear that as a result of them switching my plan, they triggered some kind of interest payment that will be capitalized if I do not pay. Of course I did not want to switch plan from my original IBR to standard or REPAYE and should not have an interest payment due.

XX/XX/XXXX : I received notice that, " ... you requested to pay the accruing interest ... ''. I never made such a request, I can only assume this is related to them shuffling my plan around erroneously. It indicates that by not paying, I am consenting for them to capitalize this interest. I am not paying this interest because it is due to their errors in processing, and I do not consent to them capitalizing this interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Peer Advisors, LLC
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My are trying to pay off the Reserve Mortagage loan with XXXX  on my father 's house. 
XXXX  keeps charging us fees for monthly property inspection, and now wnat sto charge us {$420.00} for Payment of Attorney Fees and {$40.00} for Property Inspection right before our house closes on XX/XX/XXXX 

In order to avoid any foreclosure problems, or any additional late fees with my Father-In-Laws Reserve Mortgage, I requesting that XXXX provide us, my Real Estate Agent, and Probate Attorney with detailed written instructions of what your company requires, and the time frames it requires them. 

They continue to use confusing verbal instructions with us, and omission of critical information, and due dates, which is causing us much unnecessary stress, therefore, I formally requesting written instructions with due dates, listing any required support documents from XXXX.We did not get a response back until XX/XX/XXXX. 

I wanted a check list that we can easily following in order not to miss any of their requirements, thereby causing XXXX  to charges us any extra fees. 
I requested this written instructions in accordance with the Americans with Disabilities Act since I am XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I sent two transactions using an app payment method ( XXXX ), on for {$20.00} and the second for {$200.00}, I was buying tickets from someone for a total of {$430.00} and was told I can pay the rest of the money once I received the ticket. On XX/XX/2018 I further ask information about the tickets and the person selling the tickets blocks me. Then through the app I " request '' a total of {$220.00} back from the scammer, I request it on XX/XX/2018 and get declined twice. I also called my bank to dispute the transaction and they tell me they are unable to do so. This is someone I trusted and was acquaintances with, so I was given no reason not to trust them. I then looked them up on social media and was also blocked from all of their accounts, however I saw this happened to another woman by the same guy and i have been in contact with her as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around the XX/XX/XXXX I received a call from my credit card company about possible fruad after speaking with them I called Wells Fargo because I noticed charges on my account that were not authorized by me. I filed a dispute with them. While on the phone the agent I spoke with noticed other charges and so two different disputes were files for a total of 84 charges totally nearly {$3000.00}. Wells Fargo at first awarded me a claim of {$470.00}. and then closed the case I filed a claim with the CFPB about this and Wells Fargo called me and awarded me additional {$36.00}. or so ... However, tonight Wells Fargo reserved their decision and took back the award of {$470.00}. thus bring my account into the negative of {$470.00}. 
I called Wells Fargo to find out why they did this and was told that they could not find a pattern of fraud and thus reversed the decision to award any of the funds back to me and if I had an issue with this to go to my local police department. 

So I called the local police department about this issue and was told yes I could file a complaint with them about fraud but in truth they did not have the resources to contact some 80 businesses in three states to see if they could get any information much less actually catch anyone because of the issues. 

I feel that Wells Fargo is just trying to pass the buck and really not trying to see the fraud or to solve the issue.

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 2018-11-10
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: Account information incorrect

Complaint:
I have written to both XXXX and Equifax credit agencies to challenge the reporting and compliance of an open account that is reporting under a incomplete account number ( XXXX ). There are ( 2 ) accounts reported by XXXX XXXX with the same partial account number and the information that is reported is misleading. 

More specifically, I am referencing the fact that the information XXXX XXXX is reporting to both my XXXX andEquifax files has an incomplete account name, an incomplete account number, an incorrect account type, inaccurate account balance, missing field description of terms, missing filed high balance, missing filed comments, incorrect past due balance dates reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. 

As per section 609 of the Fair Credit Reporting Act the CRA is required to report the entire account number and a 100 % accurate account information. Please remove this inaccurately reporting account from my ( 3 ) credit bureau files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX Acct # XXXX XXXX XXXX, Equifax, XXXX ) 2. XXXX XXXX XXXX   # XXXX ( XXXX ) 3. XXXX XXXX XXXX Acct # XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
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 AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are several delinquent payments were inaccurately reported on my credit report when I was actually in deferment. I have initiated contact via several letters certified mail and via email for you to update my credit report to CRAs to show that the payments were not late and actually in deferment. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

Navient representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hey just and XXXX tried to garnish bank acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used to have chase account before I came back to XXXX XXXX. And I closed it and swifted money into my XXXX account at XXXX. But at XXXX, it was delayed, and now it cancelled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
New Bargain and Sale Deed was awarded on my home of eleven and a half years to my young son and myself. 

Oregon Divorce Court. XXXX County, XXXX XXXX. OREGON # XXXX - XXXX XX/XX/XXXX XXXX XXXX I would like to write one cheque and pay out loan. XXXX USD. 

Shellpoint Mortgage Service playing games. Requesting Court Docs. Emailed them 4x. 

XXXX XXXX did this for three years also. ( prior servicer on ex husbands loan ) Ex husband is a XXXX  XXXX  with XXXX XXXX XXXX. He also filed bankrupty on this loan in XXXX. 

My young son and I would like to move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm filing this complaint because Experian - REPORTING # XXXX AND REPORT # XXXX has ignored my request to provide me with the documents that their company has on file that was use to verify the accounts I disputed. being that they have gone pass the 30 day mark and can not verify these accounts. Under section 611 ( 5 ) ( a ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. please resolve the matter as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Caliver Beach Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am requesting a refund of the appraisal for which I paid {$550.00} on XX/XX/2018, and of the {$44.00} late fee for our XX/XX/XXXX mortgage payment ( total {$590.00} ). Since learning that that we can not get approved for the refi, I contacted my loan specialist 's boss twice to request the refund, but it has been a week and no response. 

We were working on closing with the refi lender since XX/XX/XXXX, and after we provided everything that was asked for, we learned last week that the  refi was not going to close. Earlier correspondence said the appraisal could not be refunded if we chose to not close, but this failure to close was not by our choice, and the company is not responding to our request to refund the appraisal. 

Additionally, I paid the XX/XX/XXXX mortgage payment before receiving the message that I should pay it and that the loan would not close, but the date was still too late to avoid the late charge. It was communicated to us in an earlier email to not make the payment and that the company would pay any late charges. 

Incidentally, the company solicited us by a letter that named the FHA Streamline, during the same month that we initially bought the home. We later learned that we were not home owners of the property long enough to qualify for the Streamlined, and so XXXX XXXX therefore attempted a Simple refi program instead of a Streamlined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-02
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
got a car loan from navy federal XXXX.2014 for about XXXX. beginning payments were XXXX a month. got the opportunity to secure a personal loan through the same bank a year later. used to loan to " pay off '' my car ( i have my title so it cant be repoed ) payments increased to XXXX a month. been paying on this car for 3 years and still owe XXXX. ca n't tell me something is n't wrong with this picture. I can do math and I 've paid about 13k so far. I 'm paying dbl and it 's not right. I make half the money I did 3 years ago and the XXXX a month is too much. I 've tried to get the interest rate lowered several times with no success. All the bank offers is payment deferal and that comes with a price. I do n't mind paying what I owe, but I 've basically paid for this car already and still have 2 years of payments left. This is what 's wrong with this country now and why families ca n't stay afloat. No matter how they try to justify this it 's wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Colony Brands, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have Never had a account with this company but they are reporting under a bankruptcy on my credit. They have been provided a identity theft report still keep saying I have a account. I requested documents ( original ) contract with my signature or information used to op en this account. I was told by a rep this account was opened online they have no documents. I have requested multiple time this account removed from my credit report. I have no idea who this company is also have no contract. They are not on a bankruptcy in which they added themselves. This has prevented me from moving also damaging my credit all for a company I have never done business with.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-22
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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX   XXXX XXXX XXXX  XXXX . 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation