BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: FIRST HERITAGE CREDIT LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had spoke with three different people at the 1st heritage credit location in XXXX MS we had agreed to make a one time payment of and work out the rest.. I then the very next day got an email from a XXXX saying I needed to make a payment I had been tested for covid that day and this has been an ongoing process I have had three tests and have been off work for three months in and out of the hospital I have been told that the people have shown up at my house demanding money. This is harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Driveway Finance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I received an auto loan with XXXX XXXX XXXX XXXX finance XX/XX/XXXX. I had issues with billing and arrangements ending in a repossession. In XXXX a new company Lithia/driveway finance '' began reporting an auto loan on my credit. I have had XXXX on three occasions challenge the debt as I've never done business with this company. All disputes come back reported as valid. So, I called and sent a couple of letters requesting proof of debt and if in collections when and how record was obtained. I was ignored throughout XXXX. In the third week of XX/XX/XXXX, I sent a certified letter for verification of debt, proof of debt purchase, proof of business or account letters to " Lithia/Driveway Finance ''. I received no response. So, in last week of XXXX and 30 days after verification of certified mail received, I contacted " Lithia/Driveway Finance '' by phone. After many transfers and excessive rudeness, I lastly spoke with accounts manager " XXXX ''. He explained to me that the letters were received and that they were listed in his system as " frivolous ''. Not only did the receive department list as this, but that I was not going to receive a response. I ask again for proof of any document with them for a debt & they refuse to provide. I asked about my original finance company & was told they no longer in existence. I've tried for 2 years to get this debt removed or verified. My attempts have failed. I am spoken to like an XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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:
contacted credit reporting agency regarding incorrect items reporting on my credit file and credit agency informed me that items were correct without providing any proof or how they reach that point

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 2020-06-18
Company: EQUIFAX, 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:
contacted credit reporting agency regarding incorrect items reporting on my credit file and credit agency informed me that items were correct without providing any proof or how they reach that point

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 trying to purchase a house and when reviewing my credit score my lender discovered that my auto loan from Capital One is reporting late payments for the past 3 years on these following  dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX even though this auto loan was paid off in XX/XX/XXXX. I gave the Capital One representative permission to speak with my lender, Capital One was contacted at XXXX central standard time on XX/XX/XXXX in an attempt to resolve these false claims. With my lender speaking to the rep that was on the phone, he had attempted to escalate to a Manager. Rep had advised that there was no manager on site during these  business hours that can resolve this issue. It was stated by the Capital One representative at the beginning of this call that the call may be recorded and monitored. My lender asked for an audio version of the phone call. Rep asked for my phone number along with my Email address. My lender advised the rep that as of date XX/XX/XXXX by noon ( XXXX CST ) if no one is going to resolve this issue, we will file a complaint and make disputes. Capital One has made no further attempts to contact me via phone or email since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since being under Caliber Home Loans, they have never paid my taxes on time. They 've had every excuse in the book. I am tired of getting delinquent notices from my tax office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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:
As a consumer I have requested on numerous occasions my consumer report from the following consumer reporting agencies Chex Systems and XXXX XXXX XXXX due to a recent denial in achieving a new bank account. 

I attached the error messages and letters that I continue to keep receiving from these companies without the actual report and I am request my consumer report be emailed immediately so that I confirm if all the information is accurately being reported. 

Chex systems Consumer ID XXXX XXXX XXXX XXXX ID 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 explanation
Consumer complaint received 2022-01-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the last year and a half, I have made over {$21000.00} in extra principal payments but NewRez refuses to reduce my interest payments to reflect these additional payments and is still going to charge me the same amount of interest over the life of the loan as if I have never made the additional interest payments! They have put the intention to carry out the above illegal actions in a written letter to me. I believe this violates the law and also is not in compliance with my original loan agreement which was with XXXX XXXX. NewRez apparently bought my loan form XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: ProCollect, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, I discovered that a collection agency named ProCollect had reported a collection balance on my credit report. Prior to the account appearing on my credit report, I never received a notice of my right to dispute. I contacted the company to file a complaint about not receiving a notice of my right to dispute prior to the account appearing on my credit file, but they did not remove the account from my report. This is a violation of the Fair Debt Collection Practices Act.     Additionally, I requested that Pro Collect verify the debt they were trying to collect by sending me a copy of the original signed lease as well as a detailed monthly pay history on this account, which clearly demonstrated where this supposed debt originated. The did send a copy of the lease, but they have not sent me a detailed explanation of how the {$1500.00} debt they are trying to collect was calculated. That is also a violation of the Fair Debt Collection Practices Act.     And finally, I also reached out to ProCollect about setting up payment arrangements should this debt ever be verified as legitimate. Their representatives informed me that they would not accept payments from me.  Reporting  a debt on one 's report, and refusing to accept payments towards the resolution of the debt is also a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: KEYCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I came in and open a checking account with Key Bank and XXXX XXXX on XXXX/XXXX/2015 at XXXX XXXX in XXXX XXXX Colorado. I also brought a coupon with me XXXX reservation number XXXX. I was told that all I had to do to get the coupon is to set up a direct deposit from work to this account totaling {$500.00} or more 60 days after the account opening. So I set up my direct deposit of {$250.00} twice a month to go to this account. On XXXX/XXXX/2015 I realized that still have not received a promotional bonus, when I called XXXX to report this problem, she called different departments to find out what happened and they said that there was suppose to be XXXX direct deposit of {$500.00} and it could n't be XXXX direct deposits totaling {$500.00} and that I wo n't receive a bonus. If I would have known that It needs to be XXXX direct deposit I would have simply set it up that way. One of the main reasons why I decided to try Key Bank was the fact that I received that coupon and I told the Banker that and I verified it multiple times to what do I need to do to receive the funds. I accept the fact that may be the banker did n't understand the dollar amount difference of a coupon and she did n't do it on purpose but that lead me to set it up my direct deposit the way I did. I feel like I was cheated and lied to, for no real reason. 
I tried to contact your customer support team but they told me to get in touch with the Branch Manager. It has been several months now and I asked XXXX to bring that up to her managers attention but she seem to ignore my email. 
I tried to contact the Branch Manager myself and she also ignored my email and XXXX voice mails that I left her, not to mention that she has been on vacation for over a month and nobody but her were able to help me. When finally she responded to another email that I sent her, she simply told me that it was my fault and there is nothing that she is going to do. I asked her to look through the transaction history on the account and see that my direct deposit will come in and I will take most of the money out or transfer it to my primary bank. You can clearly see that I did what I was explained to do. But she said that her employee would have not done that. I understand that she suppose to protect the bank assets and back up her employee, but that went a little too far. She clearly did not do any research and probably never even looked at my account to see what I was referring to. In this case it was not just the banker that misled me to this situation but also the customer support was not willing to even look into that issue, neither did a branch manager, just leaving me with a lot of wasted time and money and feeling that I did something wrong when I did everything exactly as it was explained to me. I did n't receive a proper disclosure about the account or the coupon terms that led to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have about three student loan accounts open that at the time were with Heartland ECSI or ECSI as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted Heartland ECSI about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted Heartland and its sister company Heartland Federal countless times in the last few weeks to correct the error and they keep passing me around to one another. ECSI tell me to talk to Heartland Fed, Heartland Fed or FSA told me that I need to submit documentation. ECSI has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX   on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: 21ST MORTGAGE CORP.
State: FL
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 contacted my mortgage loan servicer, 21ST MORTGAGE, to request a courtesy reversal of the late payment reporting in XXXX as I suffered from a XXXX in late XXXX that kept me out of work for almost three weeks, which is why my car note was late in XXXX. After suffering this loss, I expected the company to have some kind of compassion in regards to the American disability act, seeing that XXXX is considered a temporary XXXX. I can provide documentation if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a notification that a new inquiry was added to my credit profile and I DID NOT apply for a new credit line or account. I am requesting that the following inquiries get removed ASAP as they are negatively effecting my Mortgage decision. I am scheduled to relocate next month and my family and I desperately need this mortgage approval. Please remove them. Thank you in advance for your assistance! 

XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2020-06-18
Company: Bread Financial Holdings, Inc.
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 information incorrect

Complaint:
Comenity/XXXX : I was never late on this account. I have not received a notice telling me that I was late as these payments were paid online. Please remove these lates from my credit file as these were always paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Paypal Holdings, Inc
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I have had a PayPal account for years, as well as their PayPal Prepaid debit card, also for years, both in good standing. 

Yet, since last Thursday, I have not been able to load my card with money from my PayPal account, even though there is plenty of money in the account, and the card is in working order, by PayPal 's own admission. 

I have called them at least 10 times since last Thursday. Sometimes they tell me it 's a system issue they are trying to resolve ; other times they say it 's website maintenance, other times they simply tell me to keep trying, that they have noted my problem and will fix it. 

But NOTHING has been done. 

I need this issue FIXED ASAP, as that card is my ONLY way of making purchases in-person at the market, and the drugstore, etc. It 's my ONLY way of accessing my funds from my PayPal account. 

Every time I speak to a rep ( in XXXX ), they put me through a whole circus of hoops to jump through, only to tell me the same excuses I listed above. 

HELP! 

I do not work for a living anymore, as I 'm an XXXX patient and am nearly homebound. That card is my only way of making purchases, such as for medicine. 

HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: ACOPIA CAPITAL GROUP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I gave all of the information for my application over the phone on XX/XX/2022 that same day the XXXX XXXX XXXX with Accurate Mortgage XXXX TN, called back and told me the interest rate was 5.5 % she gave me the payment amount of {$2200.00} and closing cost were {$11000.00}. I told her to lock the rate and that Id like to proceed. On the XXXX I asked here where the XXXX was, that I hadnt seen it yet, she told me since I hadnt give her the real estate contract she hadnt locked it in. She then told me the rate went up and the payment would be higher. I then asked to speak with her manager and told him that I knew the laws and that I was entitled to an XXXX and the rate she quoted me. He then said he could lock the rate as it was at XXXX so I said ok. When he sent the XXXX the closing costs went up to {$17000.00} and they want me to sign the application dated XX/XX/2022. XXXX not comfortable signing an application dated 11 days after my application was taken and feel like Im being asked to lie to cover up their lack of compliance with TRID-RESPA. I finally received an XXXX  by email today Monday XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XXXX XXXX, 2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report. Please direct them to conduct proper investigation and not purchase my data from 3rd party vendors such as XXXX XXXX or XXXX. I am in the process of filing a complaint to FTC and DOJ for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX  XXXX XXXX {$1400.00} XXXX XXXX XXXX {$210.00}

Company response to consumer: Closed with explanation