BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-11
Company: DriveTime
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
DriveTime XXXX XXXX and its financial affiliated, XXXX ( owned and operated by DriveTime ), financed me a used car. The car has numerous problems that were hidden from me during the carnival-like process of showing off what is not wrong with the car. I have made numerous attempts to contact BOTH Drivetime and XXXX. The result has been time consuming and without results. 
I have never missed a payment, and I have zero delinquencies, and I am not asking to break the lease. I am asking for what Drivetime advertises : the opportunity to modify or extend the loan agreement, so that I do not fall behind or violate the terms of our agreement. Drivetime XXXX XXXX and its financial affiliate, XXXX, do not wish to discuss the advertised options on their website. Are they guilty of false advertising, or unethical business practices, or both? 
The only time I receive contact from Drivetime is to remind me that my payment date is approaching, not that it is late, but that they want money soon. 
Drivetime may be in violation of a Federal Consent Order that was imposed on them in 2014. 
I am reaching out to Drivetime one last time via email, informing them of their excessive contact and their false claims. I am also ceasing all financial obligations to the company until they acknowledge the situation. 
I will not allow Drivetime to deface my credit or violate the terms of their court order by harassing myself, my references, or my workplace. 
I have made timely payments and asked for help with maintaining our business arrangement. 
They have responded with silence from customer service, excessive payment reminders when payments are not even due yet, false advertising, and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is an account on my credit report for a XXXX phone bill that is not mine.i have spoke to XXXX  in begining of XXXX when i found it on my credit report and they even said it was not my account and that i had to contact the collection company to starighten thing out.so i called and i didnt get an answer so i called and called for weekes and i finally talked to someone and they said that i would be taking care of so i waited a month and nothing was still done so i contacted them again and same thing they said it would be taken care of, now almost 3 months into this it still isnt off my credit report and i cant get ahold of the collection company they wont call me back or answer when i call so i tryed to dispute it with the credit report company and they wont remove it either.so im pretty stuck on what to do now on how to go about getting this account off my credit report.everyone seems to be dragging their feet on this and not doing anything to help me get this account off my credit report!

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 2018-03-04
Company: AMCOL Systems, 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: Their investigation did not fix an error on your report

Complaint:
This debt was a result of medical services with the original creditor, XXXX XXXX XXXX. After application and review by the original creditor ( XXXX XXXX XXXX ) it was determined that I was not the responsible paying party and had no liability for this debt and as such it was paid by Insurance or other Government Agency and therefore as I had no obligation for this debt so no collection would exist. 

According to my records, the original creditor recalled this debt from collection agency with instructions to close the account in the collectors office and to remove any item that had been placed on any credit reports. Instead they just closed it and continue to report it on my credit report. it should be removed and not merely updated as a Paid Collection. 

On XX/XX/XXXX, I mailed to Amcol Systems Inc a letter ( attached ) in  which I disputed this account and requested that it be removed from my consumer credit reports that they had reported to. I never received a response from this company. 

On XX/XX/XXXX I initiated a direct dispute with XXXX requesting that this item be removed as it was paid by INSURANCE directly to the Original Creditor.

XXXX responded that the collection Agency Amcol Systems had verified this account as being reported true and accurate and so it would remain. 

It is my belief that neither party did a meaningful and complete investigation into this matter because if they did they would have removed this false, inaccurate and misleading account as I was not the responsible paying party. 

As this was paid by Insurance or other government agency directly to the original creditor and the original creditor has determined I am not the responsible paying party this should be deleted from my Consumer Credit report and not just updated to show a paid collection. 

In addition after my dispute directly with XXXX, the furnisher of this information Amcol Systems went in and done an update to my credit report and marked it as a closed derogatory account and changed the close date to reflect XX/XX/XXXX in order to make this account look like a new closed collection in a further attempt to damage my credit rating and cause me to suffer financial losses by having to pay higher interest rates. I want this removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2022, I took advantage of a 0 % interest rate for XXXX  months with XXXX. I balance transferred {$3000.00} from my XXXX XXXX credit card to XXXX. Then in about XXXX weeks I noticed the XXXX was on both cards. The XXXX was up XXXX. The XXXX XXXX still showed the full balance. I called XXXX. They said that XXXX XXXX list the payment and was never cashed. XXXX said they put a stop payment on the check and issued a new XXXX check to XXXX XXXXXXXX. Then I received a notice from XXXX  I was over my credit limit snd my credit score was decreased. I gave credit monitoring. So XXXX XXXXXXXX cashed both XXXX checks sent. Now Im over in XXXX  and have lost sbout XXXX points in my credit score. No one at XXXX  will help me get this fixed. I want my credit repaired and XXXX sent back to XXXX XXXX. Please help!

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 2020-12-01
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Early in the year I refinanced my home. I was advised that the mortgage was sold to XXXX XXXX XXXX ( XXXX ) and the first payment was due XX/XX/XXXX. XXXX purchased from original company, XXXX XXXX. XXXX before any pymts. were due. On XX/XX/XXXX I made a pymt. online to XXXX for {$1600.00} for the XX/XX/XXXX due date. 
Immediately, I called a Rep with XXXX named XXXX and asked that the pymt. be backed out. He said he could do this as it had not posted. HE DID NOT BACK THE PYMT. OUT. 
See copy marked # 1, my XXXX XXXXXX/XX/XXXX stmt. indicating a pymt. was made to XXXX on XX/XX/XXXX. See item marked # 2, notice from XX/XX/XXXX that effective XX/XX/XXXX the servicing loan is being transferred to Planet Home Lending , LLC. I will add that this notice is dated XX/XX/XXXX, however, I did not receive it until after I had made the payment to XX/XX/XXXX. 

THIS IS THE PROBLEM and the REASON FOR MY COMPLAINT : I have been communicating with Planet every month as they have yet to credit me with the {$1600.00} payment that was made for the XX/XX/XXXX due date. On XXXX I spoke to XXXX and she told me it takes 60 days for lender to transfer and there will be no late charges assessed to me. On XXXX I spoke to XXXX and he told me it should ( the pymt. ) show up after the XXXX of the month. On XX/XX/XXXX I spoke to XXXX and she indicated the record indicates {$1500.00} unapplied, {$150.00} short of pymt of {$1600.00}. She referred me to XXXX XXXX, Mitigation Team Lead - See # 3. I never heard back from XXXX XXXX after that last e-mail. On XX/XX/XXXX I spoke to XXXX, she checked with a Spvsr and was told they are still researching. On XXXX spoke to XXXX in Customer Service, employee ID XXXX, he said everything should be resolved. A file was opened XX/XX/XXXX. BY THE WAY, NO LATE FEES ARE BEING ASSESSED. On XX/XX/XXXX see # 4 and the response # 5. I discovered the first of XXXX that Planet had reported me 30 days late on payments to the Credit Bureau which has resulted in lowering my credit score. On XX/XX/XXXX spoke to XXXX XXXX of Planet and she advised that a task was issued to resolve the credit bureau issue ( still going on ). I told her I would pay the difference of {$150.00} just to resolve everything if they would fix the report to the credit bureau and credit the payment they owe me and put it in writing. She told me to e-mail Customer Service with my request -- See # 6. See # 7, this is the response to my e-mail to Customer Service and # 8 is the report I downloaded from XXXX XXXX. 
I believe I have been more than patient and just do not know where to turn for HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job due to the COVID-19 pandemic. XXXX XXXX County and California public health officials have issued shut down orders to prevent the spread of COVID-19. We are XXXX people in our family me my wife and our XXXX kids. we have no money and our mortgage company harassing us regards monthly payment, they are loan sharks and don't care about anyone beside money. We asked forbearance they give only 6 months after that they ask us to pay upfront fee {$8400.00} and monthly additional {$1500.00}. which we don't have. we get {$700.00} monthly food stamp and {$230.00} unemployment almost over. i am trying to find a job but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX XXXX and Steven Business Services ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My bank accounts have been frozen in order to collect a debt from 2015. I contact the lawyers who have submitted and obtain the freeze legally however, the correspondence regarding the debt was sent to an address I have never resided in. I had no way to choose to pay the debt or to act to keep my accounts from being frozen. I explained that I have never lived at the address they have on file and they are refusing to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Discover Card payment for {$35.00} was not applied to my XX/XX/2020 - XX/XX/2020 statement after enrolling in a Payment Assistant Program due to Hardship and COVID 19, in which I am affected by. My payment was postdated, and mailed off on XX/XX/2020 at XXXX XXXX  USPS Post Office in XXXX XXXX. The program lowers the interest rate, and allows me to keep the credit card open for the year the program is in affect. The held back payment of {$35.00} that Discover Card refuse to apply cause the balance to go up to {$950.00}, when it should be {$900.00} with late fee deductions, returned check fees, and a miscellaneous fee of {$11.00} for no reason placed under payments and credits. The program began for me XX/XX/2020, and they received my XX/XX/2020 payment on time from the same post office. I let them know I will make my payments by mail, or money services. Discover Card Services violated the Federal Equal Opportunity Act Notice discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from XXXX, stating that effective XX/XX/XXXX Mr. Cooper will become my new Mortgage Server. Mr. Cooper was my mortgage server until XX/XX/XXXX. During that time frame, less than a year, I received over 100 letters from Mr. Cooper, harassing me to buy a new home, modify, or refinance. I called Mr. Cooper several times demanding that this company stop harassing me, because, I was not interested in buying, modifying, or refinancing. Often times, while speaking with customer service over the phone, regarding the harassment, I received XXXXXXXX XXXX and XXXXXXXX XXXX and I could hear, demeaning comments in the back ground. Even after I stated numerous times to stop harassing me about modifying, refinancing or buying a new home, Mr. Cooper repeatedly sent mail. In XXXX, I received some fraudulent documents in the mail claiming that in XXXX, Mr. Cooper own my loan. This is a Lie. Mr. Cooper was my Mortgage Server from XX/XX/XXXX thru XX/XX/XXXX. The fraudulent documents had been whited out, blacked out, and my name and signature had been copied and pasted, even forged to these fraudulent documents. Mr. Cooper has continually, violated my civil rights. Mr. Cooper was my Mortgage Server from XX/XX/XXXX thru XX/XX/XXXX. I had no dealings with Mr. Cooper in XXXX. And I have the documentation. Material that provides official information as my evidence, and my record. I have never done a home modification. These documents involving Mr. Cooper, were done with the intent to deceive, which is criminal deception. Mr. Cooper has violated my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the month of XXXX we mailed our mortgage payment but it was not shown as received, due to postal delays. We were advised to place a stop payment and make phone payment. We notified them of the stop payment and made a phone payment. 
They applied the phone payment and also attempted to cash the stopped payment. 
We requested a return of the overpayment. They removed this payment from our mortgage record but did not reimburse us. 
Our bank did not process the attempted cashing of the stopped payment. 
We waited for the reimbursement but eventually made a second phone payment to protect our credit rating. 
We have been in contact with SunTrust ( Truist ) bank since the middle of XXXX. We have been reassured on multiple occasions that the overpayment was being made to our bank, and later that it was being applied to our XXXX mortgage payment. 
The executive services department of the bank has begun as escalated case review as of the beginning of this week. 
Despite this we received in the mail today a notification of no XXXX payment receipt and that a late fee for XXXX was being applied.

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 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Letters were sent on my behalf for dispute of credit inquiries and collections on XX/XX/2020, to Trans Union, XXXX  and XXXX  to conduct investigations. After no response within appropriate time frame, I sent 2nd notice letters for demand of investigation on XX/XX/2020 for mentioned collections and credit inquiries on my credit report. The time now has been more than 30 days, and I have yet to receive a response regarding investigations.

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 2021-01-26
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX this account was added to my credit file. I disputed the account as it was not ratified by me nor could the creditor prove the debt was valid. I sent a certified letter asking for proof of ORIGINAL signatures and validation of the alleged debt, and was not provided with the information requested. Because they could not provide proof and validation, the debt was removed and the account closed. 

On XX/XX/XXXX, this account has been reopened. Even AFTER failure to provide proof and validation of the alleged debt with my original signatures. 

They harass my phone line every hour, of every day calling from spoofed numbers. 

This account is not valid and should be closed and STAY closed. I will press charges with this company as much as the court will allow if the account is not removed from all credit files within 30 days and, or if this account is sold to another creditor, and if they don't stop collection efforts.

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 2018-03-04
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and XXXX XXXX CT XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX Ido not have any association with these addresses they need to be deleted/remove from my file.

Company response to consumer: Closed with explanation