BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new truck from XXXX XXXX XXXX in XXXX XXXX Florida on XX/XX/2020. They financed it through GM Financial with the first payment of due on XX/XX/2020.It was a 84 month loan. I didn't hear anything from them about where to send the payment, account number or any communications at all. On XX/XX/2020 I contacted their customer service for information and was told I wasn't in their books at all. Not with vehicle vin #, SS #, or name. They did contact the dealer and was made aware I did purchase the vehicle. I was to receive a call back that afternoon about what had to be done. I didn't receive a call and didn't receive a call on the XXXX. I called their customer service again on the XXXX and went through the same routine, not in the system. This time I was told the paperwork from the dealer had been sent to them but they didn't have it. I was to get a call back that afternoon on the status of my problem. No call again, so I called them again on the XXXX, went through the same no account drill. I told them my payment date would have to be mover out because there was no way I could make the payment on time. I was told I had to make the payment to the dealer. I asked for an e-mail explaining what I had to do and where I was to send the payment. I am still waiting on that e-mail. On the XXXX, I called the dealer to get the information as to where I was to send the payment. They asked for me to bring them cash but I refused. It is about 50 miles one way from my house to the dealer. I mailed the check the morning of the XXXX. On the XXXX I received a call from the salesman who sold me the car informing me GM Financial had lost the paperwork and I needed to come in and sign a new contract with all of the same information. I told him the next free day I had was Friday the XXXX. We agreed on that and I continued my tasks for that day. On the XXXX the salesman called me back telling me GM Financial had found the paperwork and I didn't have to come in. I kept checking my bank account looking for the check to clear but never found it. I called the dealership this morning, the XXXX, and they did have the check and would deposit it today. He also informed me that they had made the payment earlier and that check was to reimburse them although it was GM Financial who instructed me to send it to the dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA ; XXXX Date Updated : XX/XX/2019

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 2018-07-17
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an existing mortgage with XXXX XXXX, who sold or transferred the mortgage to XXXX XXXX XXXX effective XX/XX/2018. I did not receive any payment instructions from XXXX XXXX XXXX until XX/XX/XXXX. I made the XX/XX/XXXX payment to XXXX XXXX on XX/XX/XXXX. When I finally received information from XXXX XXXX XXXX, it showed that I still owed a XX/XX/XXXX payment, despite having already making the XX/XX/XXXX payment to the previous mortgagor, XXXX  XXXX. I provided three forms evidence of the XX/XX/XXXX payment to XXXX XXXX XXXX, showing both funds transferred from the originating bank and funds received by XXXX XXXX. XXXX XXXX has acknowledge that the XX/XX/XXXX payment was made, but has deliberately refused to adjust the account accordingly despite numerous calls and emails to their customer service. I have since made 2 additional payments directly to XXXX XXXX ; 1 for the XX/XX/XXXX1 payment ( which XXXX XXXX incorrectly applied to XX/XX/XXXX and another payment on XX/XX/XXXX, because XXXX XXXX still showed that the XX/XX/XXXX was pending and about to be late. I made the XX/XX/XXXX payment simply to avoid phone calls and threating letters for non-payment. In recognition of the three payments made for XX/XX/XXXX, XX/XX/XXXX, and the last on XX/XX/XXXX ( should be applied to XX/XX/XXXX payment ), the next payment due should be changed from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is deliberately ignoring my emails and calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: United Check Recovery Bureau, 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 status incorrect

Complaint:
I am writing to file a complaint on XXXX XXXX XXXX. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX XXXX XXXX XXXX Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is United Check Recovery Bureau , Inc . I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was XXXX XXXX XXXX they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the United Check Recovery Bureau. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? 
I have now been hit twice by the bureaus and my score has dropped tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Altisource Portfolio Solutions, S.à r.l.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Frequent calls from same debt collection agency in early morning. All from a XXXX area code, but using different numbers every time. Listed as follows : +XXXX- XX/XX/XXXX XXXX   +XXXX- XX/XX/XXXX XXXX +XXXX- XX/XX/XXXX XXXX   +XXXX-XX/XX/XXXX XXXX +XXXX- XX/XX/XXXX XXXX Plus several additional calls during the day. Calls are from XXXX XXXX XXXX, based out of XXXX which is where I live so they know the timezone. Have sent cease and desist letter to no avail so far.

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 2019-03-29
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: Information belongs to someone else

Complaint:
This is my second written request to verified accounts that appear on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts.This time an FTC complaint could be filed and is attached to this complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
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 status incorrect

Complaint:
I am writing to file a complaint on XXXX XXXX XXXX. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX XXXX XXXX XXXX Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was XXXX XXXX XXXX they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the XXXX XXXX XXXX XXXX. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? 
I have now been hit twice by the bureaus and my score has dropped tremendously.

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 2018-07-17
Company: The Bureaus, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with XXXX XXXX XXXX for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. XXXX XXXX XXXX has never responded to a dispute, it has been pending since XXXX XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for XXXX is exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and  anything pertaining to XXXX XXXX be listed one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NV
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 compiled with the credit reporting agencies, in all there requests in to remove all inaccuracies that they are furnishing on my credit consumer report. Now I want to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: LA
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 XX/XX/22 I sent a letter regarding inaccurate things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of fraud. This situation was reported to the different credit bureau agencies and collections agencies. Last year a complaint was made to the FTC and sent to agencies XXXX, XXXX & XXXX. I'm receiving from a law firm and civil court making collection efforts. The situation has been explained to by letters, callas and annoying procedures are still continuing. 

XXXX 2016, Amount : {$1900.00} XXXX XXXX  XXXX, Amount : {$1200.00} Capital One Bank USA XXXX XXXX XXXX report a balance {$2500.00} XXXX report a balance {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1.The company is Wells Fargo Home Mortgage . I have tried many times to ask Wells Fargo to move my payment date from the first of the month to the XX/XX/XXXX of each month. I get paid on the XX/XX/XXXX of each month. They will not do this request and always charge me late fees. I do not believe this is fair. I WANT A CHECK FROM WELLS FARGO FOR ALL THE LATE FEES OVER THE LAST 4+ YEARS OF LATE FEES AND WANT THIS PAYMENT DATE TO BE CHANGED FROM THE XX/XX/XXXX OF EACH MONTH TO THE XX/XX/XXXX OF EACH MONTH. 

2. I was late in one mortgage payment due the fact that my checking and saving account was hacked into. I contacted Wells Fargo and set-up a plan to have the mortgage current. They said no problem. I paid the mortgage as agreed one day before the 30 days was up. They report this as 31 days past due and really hurt my credit rating. I have tried to refinance the house but can not get approved because of this on my credit report and how it dropped my credit score. I WANT THIS TAKEN OFF MY CREDIT REPORT. 

3.I have NOT sought out any legal involvement yet but if these matters are not resolved to my satisfaction I will seek legal representation and go after Wells Fargo and Wells Fargo will pay for my legal fees.

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 2018-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with Portfolio Recovery Associates for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. Portfolio Recovery Associates has never responded to a dispute, it has been pending since XX/XX/XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for Portfolio is  exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and anything pertaining to XXXX XXXX be listed one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was damaged by Hurricane Harvey and Select Portfolio Servicing ( SPS ) has received significant insurance proceeds. The home has been completely restored in better condition than before storm ... all funded from my personal resources. All documents have been provided to include adjusters reports, contract for repairs, lien waivers, contract ( paid in full ), etc. County appraisal documents were submitted showing the value of the land alone is 3X the small amount owed. Inspections have been performed with with inaccurate completion representation and even with those inaccuracies the corresponding money is still not being released. The repairs are 100 % complete noted in recorded phone calls from weeks ago and still SPS delays in scheduling an inspection I assume for the sole purpose of delaying release of MY money. In addition to CFPB I am utilizing every contact known to me to initiate a Congressional Inquiry into SPS Servicing practices which will hopefully uncover a pattern of deceit and fraud. 

Attached are demands for inspection and release of money. The initial check to reimburse me for repairs took months to receive. I worry about those that don't have the resources to fund the repairs out-of-pocket. 

Additionally, I have attached a Qualified Written Response sent over 6 weeks ago for answers to very specific questions related to the servicing of my loan that SPS obviously chooses to ignore. I have received neither the confirmation of receipt letter ( 5 day requirement ) nor response ( 30 day requirement ). How is it these non-financial institutions can simply ignore legislative mandated regulatory requirements?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
RE : CFRB Case XXXX Navient States : Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We have confirmed that Navient services one Spousal Consolidation Loan on your behalf. Due to non-payment, Navient filed a claim with your guarantor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The claim was returned on XX/XX/XXXX. Because we were not able to resolve the past due amount on your account, on XX/XX/XXXX, this caused the loss of guarantee. XXXX did not pay the default claim and Navient continues to service your loan as an uninsured student loan. We have submitted an update to the National Student Loan Data System ( NSDLS ) to update the status to Defaulted Uninsured. By signing the Promissory Note, you have agreed to pay the principal and valid interest that accrues on the account in full. Please contact us at XXXX if you would like a copy of your Promissory Note. If you are interested in bringing your account up to date, please contact our Cures Department at XXXX. 

The purpose of consolidation may have been to take advantage of loan forgiveness programs offered through the Federal Government. By Navient illegally converting this loan to a non-federal loan, those opportunities are eliminated. The promissory note that was forwarded was specifically for Federally guaranteed loans. If a signed Promissory note for NON-federally guaranteed loans can not be produced, then these related accounts need to be expunged from our record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018, attempted to close my business checking account at this institution via phone call. During the call, I was asked to verify the business address and provided the address for my business and the address used at the time of account opening in XX/XX/2018. Upon providing my address, rep informed me that address was incorrect. After a review of my statements ( which are received electronically ), noticed that at some point in XX/XX/XXXX or XX/XX/2018, this financial institution changed the address on my account, without authorization or notification. At no time did I make a request that the address on the account be modified or changed.

Company response to consumer: Closed with explanation