BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: ECMC GROUP, INC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello. I took out a few student loans in XXXX or XXXX so I could attend college. The total amount of these loans was about {$5000.00}. Since XXXX, I have made a lot of manual payments, and the debt collectors and others have seized the vast majority of my IRS tax refunds. I can not remember the last time I received a tax refund because they have been offset and seized. To date, I have no doubt paid the original loans in full. And, I know I have lost thousands of dollars in tax refunds. Can you please help? I don't know where to turn at this point. Thank you.

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 2020-02-27
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I returned a XXXX XXXX to GM Financial in XX/XX/2019. 

At the end of the lease, in order to ensure that everything was properly terminated, I called GM Financial personally, and spoke with an agent who informed me that everything was paid up and the account would be closed. 

She made no mentioned whatsoever about any post lease charges or fees, and not being an expert in the details of car leases and terminations, I took her word for it. 

Without my knowledge, there was a charge that did pop up after the lease was terminated, even though the agent gave the impression we were settled. 

The company claims to have sent a letter in XX/XX/2019 and to have attempted to call, though I received no such letters or calls. The number they had on file was incorrect and I get so many letters from them, it's very hard to keep up with which are important and which aren't. 

Today, I discovered on my own, that this charge was outstanding. When I called, I spoke with a man named XXXX # XXXX. He was unhelpful, and hid behind technicalities of lease termination, of which I know nothing about, when defending the behavior of his company. He did admit that no letters were sent since XX/XX/2019. And all the while, they have been accepting a lease payment on another vehicle. 

So - for over a year, I have had an outstanding balance and all the while they have made little to no effort to get in touch with me and have accepted my payments on another vehicle. 

The moment I was made aware of this outstanding balance, I immediately paid it off. 

I would like all negative comments or marks on my credit reports related to this incident to be completely removed and expunged. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My wife and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our reports since we first found our 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these items from my 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 2017-06-12
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX/XXXX/XXXX I opened the US Bank Altitude Reserve card because they have advertised that " spend {$4500.00} in 90 days and get XXXX points ''. I paid {$400.00} annual membership fee right away after approval. I used it to book some airline tickets on XXXX and XXXX, and used for a computer purchase and hotel reservation payment on XXXX. On XXXX, my card was involuntarily closed by US Bank. I called XXXX and spoke to XXXX, and he told me, per their T & C, my card was permanently closed because I used my card to buy " cash equivalents ''. I only have these charges to my card for the whole lifetime of the card, and none of them are " cash equivalents ''. Then he said it was closed because some of the transactions are earning me " reward points '' and therefore US Bank decide to close my account. So the fact is, I did not use the card on any " cash equivalents '' ( which XXXX said was forbidden by their T & C ), but they still closed my account nonetheless because my transaction is simply earning rewards points. To date, my rewards point count was XXXX, although they advertised that I could get XXXX points ( worth {$750.00} ) after spending {$4500.00} in 90 days. From what XXXX said, my understanding is, US Bank advertised their card as a " high rewarding card '', but once you use it to earn rewards, your account would be closed by them because they do n't want you to earn the rewards. To me, this is typical " Bait-and-Switch '', and is cheating customers into applying ( and resulting in a hard inquiry and huge negative impact to the credit report because of both the inquiry and short lifetime of the card itself ), and then only keeping those accounts that they do n't need to pay rewards expense. I also used the card to reserve several hotel nights, which would resulted in inconvenience. I can not believe US Bank is doing such cheap thing. And the agent XXXX even said " go ahead and file a complaint if you want '', sound like they do n't care at all.

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 2020-02-27
Company: EQUIFAX, INC.
State: MS
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'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found one derogatory item and several inquiries that do not belong to me. There is a child support on my credit and it shows that the account is closed and paid for, but it is mine. Please remove this fraudulent closed account from my report and inquiries that I have never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Delivery Financial Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a patient at XXXX XXXX XXXX and had XXXX services done while I was XXXX recipient. My medical bills should have been billed to XXXX and I never received any notices otherwise. In XX/XX/XXXX and beyond, I started seeing collections on all 3 of my credit reports for these services. They are listed under several different collection agencies for several different bill amounts ( Approx 10 different collections. I have tried disputing these charges and getting them removed from my credit reports with any success.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I transferred my lease in  XXXX    XXXX   from my name to another  3rd  party. We finalized the paperwork on  XXXX / XXXX /  XXXX   and mailed to   XXXX   XXXX   XXXX  , the guarantor on the lease. I received a letter from  XXXX  dated  XXXX / XXXX /  XXXX   stating that I was financially clear of the vehicle. I then gave the car to the other party.     I recently learned that they have been hitting my credit with derogatory marks for missing the  XXXX  payment, although I received the letter from the company saying I had no further financial obligation ( I have attached copies of the letter, lease transfer, and a copy  of 1 of the 2 credit reports that indicate 30 days past due for   XXXX   ).      I then tried to log in online to view my account, which I could not do, " no active account ''. When I called in, they could not see the vehicle had even ever been leased to me, nor could they see any delinquency on my account. When requesting a follow up and an inquiry through their call center on  XXXX / XXXX /  XXXX  , they had no idea what I was talking about. I was told that they would only respond or investigate my claims if I wrote a letter, which I wrote yesterday,  XXXX / XXXX /  XXXX  .     This comes after 8 months.  EIGHT  months of them being difficult to answer or transfer the lease ... requiring countless emails, letters and phone calls to complete the transaction. The amount of extra payments I had to pay just in their reluctance to complete the process was outrageous. The only way I got that process handled is I wrote an email to their  CEO Executive  Office and someone there pushed it through.     The amount of financial harm this company has caused me due to their own processes is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was transferred to Mr. Cooper / Nationstar back in XX/XX/XXXX with out first payment made on XX/XX/XXXX. Payment was taken out of our account via bill pay from the bank XXXX XXXX in the amount of {$3300.00}. The Bill Pay Confirmation is # XXXX. 

In XX/XX/XXXX, I was notified by mail that we were a month late on our mortgage, so I immediately called and the customer service representative said that I sent it to Nationstar, but to a different department. He would put in a request to recover the payment and apply it to our account. If he had any trouble with that, we would hear from in a couple weeks. 

I never heard from them again and continued making payments each month. Each outlined below. 

XX/XX/XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE NEW,  {$3100.00} Conf. # XXXX XX/XX/XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE NEW, {$3100.00} Conf # XXXX XX/XX/XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE NEW,  {$3100.00} Conf # XXXX XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE, {$3300.00} Conf # XXXX This week, I received a phone call from Mr. Cooper / Nationstar saying we were late on our mortgage and the customer service representative said it was the XX/XX/XXXX Payment we were missing. I then recounted the same issue that I discussed with the representative in XX/XX/XXXXand this representative gave me an email address where I sent all of my documents and proof of payment. It's going on 4 days now and I haven't heard anything from this company. I have never been late on a mortgage payment and need this resolved. I feel like I'm being taken advantage of for an additional payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a collection on my report from XXXX XXXX with TransUnion. I sent TransUnion a certified letter asking them to remove this collection. I also attached a letter from XXXX XXXX stating they will be requesting the credit bureau to remove this collection from my credit report. As of this writing, TransUnion still has not removed this collection. I have attached the letters for your review.

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 2022-04-03
Company: HYUNDAI CAPITAL AMERICA
State: VA
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:
I have nearly paid off my loan with Hyundai motor finance. A few weeks ago, I went through my dealership to cancel the Hyundai protection plan maintenance wrap and get what I spent refunded ( meaning my loan will be reduced by {$2100.00}. I followed up with the dealership and messaged HMF and Ive heard nothing back.

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 2018-10-15
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not properly notified of the debt until after it was turned into collections. I have since paid & satisfied the debt. I contacted the debt collector and they stated they will not remove the satisfied debt from my credit report!

Company response to consumer: Untimely response
Consumer complaint received 2020-05-11
Company: LEXISNEXIS
State: WA
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:
LEXIS NEXIS CONSUMER REPORT ( Consumer Number : XXXX Case Number : XXXX ) IS NOT TAKING OLD INFORMATION OFF MY REPORT AND ALSO HAVE WRONG NAMES, ADDRESS AND DATE OF BIRTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
I recently ran a credit check due to a low FICO score inquiry. I have had a low score and have been paying on time. I saw a debt of {$890.00} from a company called LVNV and I have not received any mail, email or calls regarding this debt on my report for two years. I believe 2 years ago this showed up and I requested debt verification to make sure this was not fraud however, never heard anything back. After checking today I called them and they would give me no information on what it was or even how I could pay it. They did nothing yet this has ruined my FICO score for almost 2 years! 

I would never have found this had I not checked today. The frustrating thing is that there is literally no way to fix this! I can't even make a payment on it! It has damaged my credit and they have sent me zero answers on verification of the debt. The company LVNV is lying to me saying they have responded to my mailing address when I received nothing. I have several thousand in my account and never would have allowed a small debt to ruin my credit yet I can't resolve this debt or find out if it is fraud! Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In mid XXXXXXXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

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 2017-06-12
Company: Monterey Financial Services LLC
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This was parent plus loan for my son. Someone kept calling and offering to consolidate my loan. I, contacted them the rep explained the way it would work so I did do everything on my phone i canceled the consolidation process. Loan, hero /Monterey  sent ou t papers. I called them to inform them I had canceled the consolidation. She told me I would have to contact federal student which I did. He informed me I will have to pay the loan because I had 5 days to cancel.   It 's not fair for me to be paying for a loan I have never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX  military veteran with XXXX percent XXXX. 

I purchased a home using my VA certificate with Mr cooper/ Nation star. 

Because I have a XXXX XXXX XXXXXXXX  XXXX rating of XXXX percent, I qualify to be exempt from paying property taxes. 

I received my letter from the XXXX County Property taxes department and forwarded a copy to Mr Cooper on 3 months ago. 

The customer service department told me that their company does not comply with the tax exemption for veterans program. Needless to say that I am very disappointed and confused as to how they can deny this right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2020, I was working with XXXX  XXXX XXXX to refinance my house. 
They gave me a great rate of 3 % on a 15 year fixed loan. They tried to pull my credit reports to lock the rate, and the XXXX  XXXX XXXX rep told me that my Equifax report is frozen. He recommended I talk to them. I called their general number, at XXXX XXXX XXXX, and spoke to an agent who said he could not access my report. 
Get this : Equifax could not access my Equifax report. He wanted me to send additional documents to prove my identity. I said not a problem. I need the report to be accessible today so that XXXX  XXXX XXXX can lock my great rate. He said it will take 7 buisiness days. 
I explained that I do not have the luxury of time. I asked to me transferred to a supervisor. I spojke to XXXX employee id ( XXXX ). He also said that it will take 7 days. I explained again that i am in a time sensitive situation, and they must be able to do their job and access mny report when I sned in the documents. He was not understandable. I asked to talk to his supervisor, and he said that his supervisors " don't take calls ''. I asked : are you telling me as an equifax representative you are the highest in the company I can talk to? he said yes. I asked about the name of the CEO and address to send in a letter of complaint. He refused. I called the corporate office numebr listed on the internet : XXXX XXXX XXXX. The operator would not tranasfer me to anyone in the leadership and hung up in my face. 
Equifax is holding my equifax report hostage. I can't go on with my financial transactions because of that. This is a very incompetent company. It should be dissolved, and their rocords purged. There are 2 other companies that are doing the job. Why is equifax still allowed to control people 's lives with their incompetence? 
I need access to my equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I initiated the dispute process only to have the reporting time on the items in dispute reset and now listed as " on record '' until  XXXX . This is on some items first incorrectly reported in  XXXX . To top it off the report of the results provided by the credit reporting agency does n't provide a clear and concise description of the findings. Or what changes were made to my report if any. They do n't show me what the details were and what was changed.

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 2020-02-27
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:
I AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND THEY OBTAINED AND MAINTAINED BY A THIEF. NUMEROUS TIMES I HAVE REACHED OUT TO EXPERIAN AND ALSO TO THE DEPT OF EDUCATION. THIS LOAN ON MY CREDIT REPORT IS FRAUDULENT AND DOES NOT BELONG TO ME.

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