BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Something called IC Systems reported to my XXXX  report on XX/XX/18 that I owe {$260.00} for something called XXXX XXXX XXXX XXXX XXXX. I looked them up because I have never heard of them. It appears they are a cable tv system or such. I have never had cable tv in my life. Dont have a need for it so I have never purchased it. Furthermore, I asked them to provide me with MY identification used to open the account and they are unable to do so. It is NOT mine and MY identification was NOT used to create this account. Therefore, I want this account removed because it is NOT mine and they dont have any identifying proof of my identity showing that it is.

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 2019-06-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX and XXXX is trying to collect a debt I have with American Express. They claimed to have sent several letters. I received one. I attempt settlement. They asked for a large lump sum when I said I couldnt they offered a large monthly payment. They said they would sue me, take my home, garnish my wages, call my employer and seize my accounts. They told me to sell my things and clear my bank to pay them. I was told they would ruin my credit if o didnt come up with the funds. 
I have been working with a settlement company who told me they would help. XXXX will not speak or deal with them. I have had horrible stress and illness due to their tactics. 
I was served papers on XX/XX/2019. I responded XX/XX/XXXX. 
XX/XX/XXXX notice of submission was sent. 
I have a court date on or after XX/XX/XXXX. I have yet to receive anything for my review as I can not access my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I make my payments early and on time it's a fairly new loan but the interest rate charges make no sense when I first got this loan they sent a video stating that if you pay on time more of your money goes to the principal and less to the interest rate so this month I paid early and on time and their saying they had to charge me for 35 days of interest which makes no sense to me this cant be right. Please help me resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a freeze on my account today I wanted somebody to pull my credit, I called Equifax and I couldn't get a hold of a person to unfreeze my account. I tried the automated verification I put in the correct information and they said they didn't verify me. I tried to call and get an agent and I was unable to speak with a person. They requested I mail in stuff to verify. At the time if I had gotten the credit card at the tire place I would have gotten a {$70.00} discount. Because I could not speak with a person to get this straightened out they cost me {$70.00}. I am requesting that they pay me the {$70.00} that it cost me. since they were unable to let me get a hold of a person and refuse to transfer me from the automated system I feel like they owe the money that I would have saved had I been able to unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have contact Transunion and have informed you that I am a victim of identity theft and that XXXX XXXX in the amount of {$300.00} account # XXXX is a result of identity theft. YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE TRANSUNION. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before.

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 2019-06-20
Company: Navient Solutions, LLC.
State: PA
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:
I have excessive student loan debt with Navient. My loans were placed into programs that do not allow for them to qualify for the public service forgiveness program. I was under the impression my loans would qualify, however when I submitted my paperwork I was denied and it was stated my loan terms did not qualify. This was never communicated to me when my loans were acquired. I have only ever worked in the XXXX XXXX field. My loans are a financial burden ; I basically work to pay my student loan debt. I have had to cash out XXXXks and still am nowhere close to paying them off. The compiled interest makes it impossible to payoff until I retire ; I owe almost 2x the amount I originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My mother passed away XX/XX/2019 leaving behind a XXXX XXXX purchased from XXXX XXXX in XXXX Ohio. I have been keeping the payments up through XXXX XXXX, they were even called with the sales person listening as the Executor of her estate. 

I went to XXXX XXXX to trade the car in to be paid off. Upon doing so my credit was pulled assumably by XXXX XXXX for the dealership. 

The DEALERSHIP pulled 8 random finance companies without my consent. 

My credit score dropped from XXXX  to XXXX @ XXXX  and XXXX @ XXXX, XXXX  is now XXXX. 

I have a complaint with XXXX for Wells Fargo and Wells Fargo agreed to finance a vehicle from XXXX XXXX. 

I immediately started backing out with the sales person. How did they get this loan?? I don't want Wells Fargo, I thought you were using XXXX XXXX?? I told you my credit was above 700, why are you using Wells Fargo? 

The sales person said they didn't know how many points would be used or how they obtained credit and furthermore told me I was not allowed to inquire or engage with the financing department until I was approved. 

Unknown to me XXXX XXXX pulled 8 different banks and financial institutions to get RATE of Financing not the best credit score, intentionally grounding my credit in an effort to keep me from buying from another dealer without my permission. 

I continually asked how they obtained my credit, what bureau they used to insure the protection of my credit rating but the sales person XXXX did not disclose the information. 

Here 's a List Financial Institutions XXXX XXXX XXXX   XXXX XXXX  WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   During the signing the finance officer was so aggressive and omitting I refused to sign the sales contract without a 24 hour waiting period. I basically wanted to see what they had done, his aggressive attitude was a giveaway. 

The trade-in of my mothers car was not permitted without the right document from the court so I had to call the probate attorney while I was there to get that documentation right away. 

The finance person tried to lock me into that commitment without the legal documents for the trade-in so aggressively that I became suspicious and refuse to complete the paperwork without the court document needed for the transfer. 

The finance person said I would have to leave {$1000.00} downpayment to hold the vehicle of purchase and sign the sales contract to do it which would have bound me to the note without the trade-in value of my mothers car. I refused!!!

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 2021-10-15
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've been trying to apply for a NACA mortgage with excellent credit no bills and income it seems like I'm being discriminated against. I've been trying to get approved since XX/XX/XXXX and I'm constantly having problems with my mortgage counselor not responding even when I meet all the conditions that is asked of me. I included my situation in detail in the pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of complex on XX/XX/2017 left voice mails gave 30 day notice I placed the key in the drop box and cleaned up complex I was charged for damages and there were no damages when I moved out of complex. complex kept the deposit I paid which was {$300.00} on XX/XX/17 company stated I did not pay deposit but I have receipt of payment stated I skipped during eviction process company never started an eviction process contacted creditors about charges on XX/XX/XXXX company had agreed they have no contract for me as they have sold the company and agreed to close the account out I have spoke with corporate many times in regards to this as the collection agency was very rude and nasty to me when calling would not listen or give me help I was told by the corporate office to dispute the account and the account would be removed from all credit bureaus so far account has only been deleted from 1 bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase United Club and Sapphire Prefered has MISLEADING customer service practices. I experienced two instances of misleading advertising and customer service first I opened my United Milage card, online it promised both a free year on the card and XXXX extra mileage points if the customer spend {$3000.00} on their first three months. I received the former but not the latter. They said that they did not have that written on my account - this was absolutely not true and should have taken a screen shot of their offer. Second, as I was trying to close all my accounts, they offered my a {$60.00} statement credit to keep the account open. I tried to close it twice, and they gave me {$120.00} credit to keep it open.They did not mention that I had to keep my account open for the whole year. They said it was implied that I had to keep it open for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late summer last year, I got a notice from my bank that I was overdrawn. I immediately checked my account and found that my mortgage company had double charged me. 
I reached out to NewRez, the company that holds my mortgage. They claimed that there was a miscalculation in my escrow and that it had to get caught up. The also said they had a right to take what they need from my account since I signed up for auto-pay. 
They then raised my mortgage by {$400.00} a month. It has been at that rate ever since. 
I did some research. Between my NewRez statements, and the Tax Assessors office Ifound that my escrow account, as of right now, is 100 % funded right now for the entire year. At {$700.00} monthly, they have me on schedule to pay in {$8400.00} in one year, when my total yearly payout is {$4400.00}.

That is 90 % more, th

an escrow has to pay out, yet I am required to pay in!!!!!! I have reached out to NewRez first by phone and, after being on hold for 2 h
ours, used their email form. They do not have an email address listed. I received no response from NewRez right away. I tried SEVERAL more times to reach them via their phone system. Again, I was on hold forever. I also tried to use their auto callback system. This system claims you will not lose your place in line, and someone will call you back. Must be a long line since I am STILL waiting. 
Eventually I got postal mail from them stating basically we did what we were instructed and if you have any questions call. The number they list is the same number they never answer. 
This has extra charge has been crushing us financially. This will become substantially worse with my wife, as a XXXX  XXXX  XXXX, being forced out of work, since the XXXX  were all shut down. I already had to take a temporary pay cut to make it through the rough times. If they are allowed to continue to violate my finances, on threat of losing my house, I WILL end up losing it. 
I need help to keep my house at this point. They will keep this up till I lose it. 
Anything you can do to help fix this would be much appreciated. 
Mortgage Company Information : Loan ID-XXXX  NewRez LLC XXXX XXXX XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX Tel : XXXX Only way to email them is at this URL. https : //ezhub.newrez.com/home/servicing/help/contact-us

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 2020-06-23
Company: Experian Information Solutions Inc.
State: NC
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 filed a dispute in regards to the incorrect items on my credit report. Item information is inaccurate

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 2019-06-20
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
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 leased a new car through GM Financial about 2 years ago. I planned to make payments by auto pay from my checking account as I always do for repetitious payments. In order to set up auto pay, other companies have always asked me to send them a voided check. GM did not work that way and instead asked me to read to their representative the routing and account numbers from the bottom of my checks. Because I am not knowledgeable about the banking system, I mistakenly read ALL the numbers, INCLUDING THE CHECK NUMBER. The GM rep did not point out any error, I concluded the auto pay setup and the call. I assumed that all was set up and that my payments were being taken from my account monthly. Several months later, I received a late payment notice with late fees and an invoice for several months rental. I called and spoke with another GM rep and gave that person my check numbers again, and the same sequence of events occurred. This scenario continued throughout my entire 2 year lease. None of the reps mentioned that I had read them too many numbers or the fact that the last 4 digits were different each time I read them out ( since they were the check numbers ). The outcome of all of this is that GM sent a poor credit report to  XXXX that lowered my credit score by about 300 points.  I have always taken great pride in my high credit score and complained to GM that their poor report was not warranted because my intent was always to pay on time. The only problem, which should have been caught by the GM reps, was my lack of knowledge of the banking system and their refusal to take a voided check. When I appealed, they responded like robots, saying that, because they did not make an error, they would not withdraw the poor credit rating they had sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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:
Account showing on credit report doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: WA
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 contested a late fee that decimated my credit score with XXXX   XXXX XXXX and Experian 5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see XXXX  ) or low-tier credit reporting agency allow this to post ( see Experian ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.

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 2019-06-20
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In the process of pulling up my credit report online, I became aware of a charge-off on my credit report " paid, charge-off ''. I was not aware of a balance owed on this account as I was not notified of any further information since XXXX. Upon contacting the company, I was told that they no longer hold the debt and it has been sold to another company, which they gave me the name and contact info. I contacted that company and was told that they have no record or account in my name and referred me to yet another company. Contacted that company and again same response. They also do not hold this debt. When I referred back to original creditor, I am being told that there is a notation on my account that there will be no further dealings with myself. They will not give me any further information on this account. I am unable to gather more information to rectify this matter and update my credit report. Again, I have not received any information on this account since XXXX and they will not supply any further information other than what is recorded on my credit report. They have listed this on my credit report in XXXX, four years later, and have no ability to offer any further information. I have hit a wall, at a standstill with no options at clearing up this matter. If this was in fact sold to another company, why are they not giving valid information. I do not believe the information as correct and can not pursue as company has noted in my account, " no further dealings with customer ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is listing an account on my credit report of approx. {$1000.00} that is based on identity theft. I have no knowledge of this account and I have sent several identity theft police reports to Experian for a wide range of identity theft issues. Experian has refused to remove this account and review the police reports that I have sent in.

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 2020-06-23
Company: EQUIFAX, INC.
State: WA
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 contested a late fee that decimated my credit score with XXXX   XXXX XXXX and XXXX  5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see XXXX ) or low-tier credit reporting agency allow this to post ( see  XXXX  ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.

Company response to consumer: Closed with explanation