BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am having a problem with my XXXX XXXX XXXX LoanCare. I recently successfully completed chapter XXXX bankruptcy. I have made all of my payments and my loan servicing place is harassing me daily telling me i havent paid. I have bank statements and proof of all payments. I have spoken with 3 separate phone reps and 1 manager. All wgo have supposedly identified the problem ON THIER PART and promised to submit this and that to correct the issue only to never have anything fixed. I last spoke with the manager one week ago on Friday. Today I was notified from my credit reporting agency that they have reported me as over 30 days delinquent on my payments. I have contacted my chapter XXXX bankruptcy attorneyAnd I'm filing a formal complaint with you guys.

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 2020-05-23
Company: PRESTIGE FINANCIAL SERVICES INC
State: PA
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:
Prestige Financial Svc. continues to furnish information on the credit reports. The vehicle was involved in Natural Disaster and GAP insurance covered the remainder of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: EQUIFAX, INC.
State: NE
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:
the following items I have been disputing has not been removed from by credit report on Equifax as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX company the reason why I am disputing these items do not who they are and can not get in contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
GM Financial has reported late payments for XXXX, XXXX andXX/XX/2018 when in fact all payments were made on or before the due date. I have contacted them and they acknowledge that payments were made on the due date but state that because some months have more days the account is over 30 days if a month has more that 30 days in it my payment would have to be made a day early in some months. They refuse to correct their reporting!!! I have not made any payments beyond my due date and request that my record be immediately updated to reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We recently refinanced with Stearns Lending. We went paperless with the company and signed up for auto-payment on our monthly mortgage. 

Today we checked if the payment went through and nothing has been deducted from our bank account. ( it should have been paid on XX/XX/2021 via autodraft ) See attached screenshot from the bottom of our XXXX statement acknowledging that an autodraft will occur. 

We've tried to manually pay on their website but there is no option to pay. We've been on hold for 3 hours with no answer. The phone line does not go to a live agent. I don't see any email address, but I was able to submit a message via their website. I've also messaged their XXXX and XXXX page. No response yet.

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 2021-03-02
Company: Revco Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls multiple times within the hour. My voicemail clearly says they have reached my place of business, but they keep calling. Answered a short while ago and they would not identify themselves by company, only XXXX calling from XXXX regarding a personal matter. 

I told them this was a place of business and that they could not call there. They said it was a good number and continued to ask for me by name. 

Tuesday XX/XX/XXXX Calls : XXXX XXXX. - main business line XXXX XXXX. - main business line XXXX XXXX. - main business line XXXX XXXX. - main business line XXXX XXXX. - main business line

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
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: Information belongs to someone else

Complaint:
I recently checked my credit report and Equifax is reporting incorrect addresses on my report that does not belong to me. The following addresses does not belong to me and needs to be removed immediately XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
On XX/XX/2020 National Credit Adjusters added a derogatory mark on my credit report profile per the credit report on XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debt collector did not verify the collection. Also, there was no written form of communication for contract or signature for this accused debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent several letters to the company asking to send me the below information. The company has changed the amount that is owed and dates several times. to have this to stay on my report trying to force me to pay for a debt that is not mines Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation.

Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
Please add my employer information : I have had steady and constant employment from XX/XX/2013 and I'm currently still working in this position as a full-time, permanent employee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Please add my employment record to all Credit Reporting Agencies. 

Sincerely, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-02
Company: Southwest Acceptance Finance Co
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2015 I purchased a vehicle. The loan was with Southwest Acceptance Finance, one month after my purchase I suffered from a XXXX XXXX. I had no other option but to voluntarily give the car back to the dealer, since I could not work any more and was forced by life circumstances into XXXX  XXXX. The original balance was {$14000.00}. Since 2015 the auto balance has not updated on my credit report with XXXX, It also shows I have a monthly payment with Southwest Acceptance Finance of {$430.00} which is incorrect since the car was given back and resold. I have never received any documents about the sale of the vehicle at auction. I have disputed this account directly with XXXX  and Southwest Acceptance Finance with no resolution, the account does not even show that it has been disputed. Every-time I try to get in touch with Southwest Credit Acceptance, they give no help and are very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This morning on XX/XX/2020 I received 8 phone calls between the time of XXXX XXXX ET and XXXX XXXX  ET from Synchrony Bank. I was sleeping so I did not answer. I am also going through XXXX XXXX XXXX to get this taken care of. However, I know they should not have called me that many time in ONE minute. That is harassment. Thank you for your time!

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 2018-07-04
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company XXXX XXXX mailed me a letter on XX/XX/XXXX. This letter stated I owed money to a certain credit card company. When I recieved their letter, I instantly reached out to them on XX/XX/XXXX at XXXX to find out what this debt was in regards to. They told me this debt was a credit card that was opened on XX/XX/XXXX. They told me the card was closed XX/XX/XXXX for non payment and charged off. I reached out to the credit card company and they sent me a letter on XX/XX/XXXX that stated they have reported my account accurately with the credit reporting agencies and that my accounts on file with them were closed, paid in full, and in good standings. I called XXXX XXXX and told them what I was told with the reps name and contact info. XXXX XXXX had no explenation for me and couldnt assist me. I called back on XX/XX/XXXX at XXXX and had to leave a voicemail with no returned call. So In return I sent them a certified letter which was signed and recieved by them asking them to provide me proof within 30 days that this was my debt and what exactly it was for, how they calculated what they say I owe, provide me with a copy of the judgment, show me they are licensed to collect in the state I live in, and provide me with their license number. All future communication with me must be sent via mail. They never responded to me or tried to reach out to me. Four years later they serve me with a notice to revive judgement. How can a company keep reentering judgements agaist someone when they cant even provide the requested documentation to show proof of the debt. Why as a consumer would I pay for a debt that I know isnt mine!? When I XXXX this company their is nothing but corrupt comments about how terrible they are and how they practice illegally and that they have been sued by other consumers fro fraudulent actions on their behalf. I will be hiring a lawyer to help protect me against these crooks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collector maintains I owe a debt of {$270.00} from XX/XX/2015 for XXXX XXXX XXXX  I incurred no such debt then or in the previous year to the best of my knowldge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is XXXX XXXX. I have an account and they continuously call from an unavailable number. I finally answered and told them to stop and they admitted the robocalls show up as unavailable but they do nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 
I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is reporting a debt from XXXX in which I have sent them not only a letter from debtor stating that I am not responsible but also proof that I have the title to the car in question. There is no lien, and furthermore, I would not have the title in my name if there were still a debt owed. They have failed to verify violating FCRA.

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 2018-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX Checked account per XXXX found charges to acct I nor my mother mad.Called Fraud spoke to XXXX disputed charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told the purchased by debit card ending in XXXX, which was not true. My mother is XXXX and never uses her card.Claim was established. XXXX spoke to me as if I am responsible.I was told it would be investigated.I was told all charges were reversed, they were not reversed.I was told my mother 's card was canceled. 
XXXX XXXX I called fraud and spoke to XXXX in XXXX, who was not accomodating. She sounded sleep even intoxicated during call.I informed her I called day before about a claim she responds we are not talking about that.I told her I saw a new charge that was not mine for XXXX XXXX XXXX XXXX She stated she saw a charge for XXXX for XXXX that failed to go through. explained i do not have insurance with XXXX.She stated charge was from debit card ending n XXXX, i was told it was from card ending in XXXX. XXXX kept slurring her speech and kept saying i cant hear you, finally I asked to speak to someone who was no t sleep. then she all of sudden she can hear me and says lets get this claim done. She refused to let me speak to someone else, put me on hold and came back and hunf up on me. 
XXXX XXXX ; XXXX I called fraud dept spoke to XXXX in XXXX  who reviewed notes written dont know what notes said. I explained situation. I have access to no funds. All charges were not reversed per what I was told.Iexplained I need funds that i take care of my mother. She gave me a credit of XXXX that I for XXXX only. I was told all funds would be put back.Investigation and claim filed. 
XXXX XXXX I went to BOA branch. explained situation again. I was issued temp card. I was told I should get money back in 48 hours. i went outside bank and got the funds that where only credited to me for that day. 
XXXX XXXX I check my account is now negative XXXX still showing XXXX XXXX   XXXX XXXX XXXX overdraft fee XXXX overdrafr fee XXXX XXXX XXXX XXXX XXXX bank Now they are charging nsf charges my mother has a deposit.that will go in bank next wed. They are trying to take her money. No One wants to hep me. I am getting the runaround. i was told since people claim charges are not theirs on purpose. It makes it bad for me. This Bank is known for taking people 's money. 
Bank Of America is operating unfairly. I have acess to no funds and at the rate they are going my mother 's VA check will be gone as well as what they have taken and is still taking from us. 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 monetary relief
Consumer complaint received 2018-03-07
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Good Day! 


{$1500.00} car loan posted on credit report as a charge off. The lender company said that I am behind in payments but I crashed that car and all the charges were paid by the insurance inclusive the GAP, but this company insist that I was supposed to do payments during the resolution of the case something that nobody told me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XXXX my deposit of XXXX dollars went onto my card I have been sending them things they asked for since then of my social address license everything they have asked for Im a single mom and this is ridiculous now they are saying I wont get my money

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 2022-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on the Bank of America mobile app for {$9000.00}. The check was issued by XXXX XXXX XXXX. First Bank of America said funds would be available next day and then they followed up telling me a 7 day hold was being put on funds clearing. I called and spoke with the bank and was told that they had to make sure funds were available and especially with large checks and also it has to go thru clearing houses, etc. I told the lady that checks are all processed electronically and it does not take 7 days. I told her I can understand holding a personal check but holding one from another financial institution is unbelievable. This is another example of the Bank of America holding on to peoples money for way longer than needed and making their customers pay!

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 2020-12-17
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recieved a phone call from Comenity Bank on XX/XX/XXXX at XXXX XXXX  ( which I believe is too late at night for them to call as well ) I had already asked them to stop calling me and worked out a payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We contacted our mortgage servicer on XX/XX/XXXX to inform them that we would be changing insurance providers. We also informed in writing and via phone on XX/XX/XXXX that XXXX is no longer required to pay property tax. We sent proof on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. They are still unable to provide us a status update. Every time we call ( every 3 to 5 business days ) they transfer us to someone's voicemail and we do not recieve a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am following up on my earlier requests to obtain credits for two line items on Retail Purchase Agreement dated XX/XX/2020 ( deal XXXX XXXX ). As mentioned previously, the blind spot monitor system installed by XXXX XXXX did not work properly, so XXXX XXXX removed the system in XXXX. Secondly, I had waived the Vin Mark Protection at the closing. Please provide documentation and a check for the return of the blind monitor system and waiver of the Vin Mark Protection. 

The amount of {$1500.00} was listed on the Itemization of Amount Financed sheet as Other Charges Paid to Others on Your Behalf. Please provide a breakdown of the items in this category. 

Since I had not received responses to my XXXX e-mails on this subject, I contacted Toyota Financial to determine if there were credits to apply to the loan balance. According to Toyota Financial, there are no credits from the Toyota of XXXX  to process.

Company response to consumer: Closed with explanation