BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
Company: Cedars Business Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX-XX/XX/2020 I was contacted by phone by debt collection firm saying I owe them money. Lately they contacted me by my email. On XX/XX/2020 I was asking for debt verification information, and never received any competent evidence that I have any legal obligation to pay to the order of Cedars Business Services. I was contacted again on XX/XX/2020 asking to pay a debt. The representative never sent me any Agreement with the client that grants them the authority to collect on this alleged debt. 

Also I never received any notice of debt thought the regular mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been trying to settle all of my debt, and I am trying to do it as quickly as possible since I have a pending job offer. I was able to settle rather quickly with 8 other card companies. Bank Of America sent my  debt to XXXX XXXX XXXX XXXX XXXX. I asked them to send a settlement proposal to Bank of America. The proposal was fair for a settlement and I had to borrow money from a family member in order to pay it. I told them how urgent the matter was to me and asked if it could be escalated on XXXX. The agent advised that she would get the request over to Bank of America and it may take 1 to 3 days. I called in the morning and afternoon to make sure they knew that this was very important to get this resolved quickly. When i called in today, they agent told me that the request was not submitted until today. I was upset with this answer and he became very flippant with me. He eventually hung up on me. I called back in and spoke to a supervisor, and after a very long  conversation, he finally broke and said he would try to escalate the request. He was very stubborn for a long period of time. At this point, i decided to call Bank of America and talk to the recovery department to see if they could look at my request. The agent said that she could not see anything so I asked to speak to a Supervisor. The agent told me that no supervisors were available and 1 would ball me back in 2 or 3 days. After arguing for a while, I convinced her that I would stay on hold and wait for one. It took about 20 minutes to get someone on the phone. I spoke to the escalations manager XXXX XXXX, and she basically said she would not help after I pleaded with her for a long time. She kept saying it was stuck in the back office. I finally realized she was not going to help me and I gave up. I would really like to get this resolved today. I really just wanted someone to help. I was able to settle all my other debts with my creditors earlier in the day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.

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 2021-03-26
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I start to submit my application for refinance my house with my mortgage company and they give me a good interest rate 2.875 % at the time the interest rate was very low everywhere after two days they did send me The loan estimate with all the details to sign it I did sign it and send it back to them and after one week they send me the confirmation that they approved my application and they wait for the underwriter to review everything I try to call them send them a lot of emails to ask about my refinance but there is no reply from them every two weeks they send me email its on under processing and within couple of days we will send you the closing day to finish everything I tried to call the management and send them a lot of emails but there is no reply from them now the interest rate is high and the send me another loan estimate to sign it with a high interest-rate I dont want to except that because its their mistake they make me lose the time to find another refinance company was a good interest-rateSo its after six months they try to increase the interest rate and of course I can not find the good interest-rate anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
After Repo I would like records of how much vehicle was sold for at auction and adjust left over payments if information not receive in 30 days please remove off credit report because it is reflecting my credit score to purchase another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX at XXXX, I began receiving phone calls on my office line ( which I never provided to Portfolio Recovery or any old employers, since I have not been with this employer long ). Personal calls are not permitted on our phones, so I am facing disciplinary action or possible termination if it continues. 
Since then, I've received multiple calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I reached out via email to ask that they cease and desist contacting me period, but especially at work. 

My credit report does not indicate any past due or collections. All of my credit cards and my auto loan are in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts XXXX XXXX accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX XXXX I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

XXXX XXXX : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

XXXX : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XXXX 2018-XXXX 2019. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with XXXX, XXXX, XXXX XXXX, and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.

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 2019-06-08
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent {$100.00} thru WesternUnion to be pick up in minutes transfer number XXXX when the receiver went to pick it up they said I have to call and when I called they stay that this transfer violate theirs policy ... and i have to wait 7 business days in order to my money be credit to my account ... how is that fair if they never paid the transaction .... when I asked for the corporate number the representative left me in hold for more thats 25 minutes to give me the corporate number ... how is that fair for consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a lease with VW Credit started in XXXX. XX/XX/XXXX I decided to sell the car to XXXX XXXX. They did all the paperwork early XXXX My payment that was due on XX/XX/XXXX still came out of my account, although for days I did multiple attempts to reach VW Credit with no luck. At the end of XXXX I finally got somebody on the phone and they said that the XXXX payment will be refunded and I just need to cancel the auto-pay so I did. Today I received a notice from XXXX saying that my XXXX payment is past due and I owe an upcoming payment as well. Although the person on the phone I told me that that was not the case and they had already received the paperwork from XXXX XXXX. 

Again, I tried to message VW Credit again with no luck. My fear is this would affect my credit. Is it possible to reach out to them to cancel the payments and give me my money back for XXXX? Reaching out to them has no luck at all and they even acknowledged all paperwork was received. 

Thanks for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt is still reporting. I have consulted with the Attorney General of Utah and know that this debt is past the statute of Utah. Not only is it past the Statue, it is past the credit reporting limit. Reporting it past the credit reporting limit is a violation of the FCRA and this must be removed immediately. I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I do not owe this debt and am now asking for a deletion letter as you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing ( SPS ) keeps adding unjustified " Fees and Other Charges '' to my mortgage account. When I ask what the fees are SPS say that they are for attorney fees, and things. I have paid said attorney fees over and over again. We were in court months and months ago and all fees were paid. The account was up to date. Suddenly " Fees and Other Charges '' in the amount  {$900.00} showed up on my XX/XX/2020 statement. When I logged into the Select Portfolio Servicing web portal the " Fees and Other Charges '' shows as " Fees and Advances '' and the amount is now {$930.00} and not {$900.00}. Now the total due is {$930.00} ... the EXACT same amount as my monthly payments. When I called and asked about the {$930.00} charge ... .I was again told that it was for attorney fees, inspection ( no inspection was ever done. ), and " stuff ''. 

As a minority I feel that this is a further attempt to keep my account in a less than favorable standing so that " Fees and Other Changes '' can be added at will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I attempted to make a credit card payment of {$1500.00} on XX/XX/2020 to Wells Fargo. I was under the impression that the payment had gone through. I never received a confirmation because I thought it would take a few days for Wells Fargo to receive the money from my credit union checking. I checked on XX/XX/2020 and it showed that the payment did not go through. I was charged a {$25.00} late fee and {$20.00} of interest. I was also under the impression that I had an automatic payment set up to pay the minimum balance on the card each month in case I forgot/ a payment did not go through.

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 2019-05-30
Company: EQUIFAX, INC.
State: PA
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 submitted a request to XXXX XXXX and equifax pursuant to section 605B of the FCRA and XXXX is the only one who blocked the information. I sent certified mail return receipt requested and on XX/XX/19 equifax received the request with the FTC affidavit my police report and letter identifying what needs to be blocked and they refuse to block it in the 4 day mandated period and told me today ( XX/XX/19 ) that their internal operating procedures required them to investigate which takes 30 days. I tried to explain to 4 different supervisor that the law requires that the information be blocked within 4 days and I was met with resistance and after 4 hours of talking on the phone going up the chain of command I was still told that I have to wait 30 days for the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I spoke with a representative at Chase in which we discussed a payment plan on a past due payment for an auto loan. The representative asked me several times to make a full payment as I was a couple payments behind. I told him that at that time I was unable to make a full payment however, I was willing to a make a partial payment and an arrangement for the remainder. We agreed on a payment of $XXXX to process on XX/XX/XXXX with another payment of $XXXX on XX/XX/XXXX and a final payment of $XXXX to bring the account current onXX/XX/XXXX. On XX/XX/XXXXmy bank account was debited $XXXX which is not what we agreed. The transaction resulted in an overdraft fee from my bank as I did not have the amount in my account. I spoke to a representative at chase who advised me that they'd have a supervisor call me back. The supervisor advised me that he would refund me the fee as long as I was able to provide proof of the overdraft. The fax was received and I was assured that I'd be refunded. At this time I still have not been refunded and my account continued to incur fees as I did not have the additional $XXXX to put back into the account. I ended up with a total of $XXXX in fees alone. I am livid with Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26
Company: World Acceptance Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
They are harassing my family and friends. Even ones that I didnt list down for references. They have a good number for me but they still call excessive amounts of times and constantly call my references and friends and family. I dont know how to get the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Discover is incorrectly displaying my balance. The math by Discover dos not add up. 

Last Statement Balance = {$850.00} Posted Transactions = {$0.00} Payments and Credits = {$0.00} Current Balance = {$1100.00} Please do the math. {$850.00} + XXXX = {$850.00}. It does not equal {$1100.00} Additionally, there is Pending Transactions of {$56.00}. Even if those the Pending Transactions are included in the Current Balance the balance would still be off by {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this XXXX XXXX XXXX and it has negatively effected my credit score i want this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: FL
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 is the fourth time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-15
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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 Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please be advised that as of ( XXXX ) -as listed on my most recently reviewed consumer report, there are unverified accounts listed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company response to consumer: Closed with explanation