BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I noticed I received a tradeline on my Credit report from Debt Recovery Solutions , LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ),  ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a check to PHH Mortgage in XX/XX/2019 in full payment of my XX/XX/XXXX mortgage payment, {$920.00}. PHH Mortgage processed the check in an incorrect amount of {$720.00} which was {$200.00} less than my check amount. I have spoken with them 5 times, received a copy of my paid check showing the correct amount of the check with no correction by PHH Mortgage. I was told most recently on XXXX.19 that the additional {$200.00} would be recorded and applied to my loan balance on XXXX.19. This still has not been corrected as of XXXX.19. 

After calling 4 times and giving approval for them to process the additional {$200.00}, I received another written notice that they needed my approval to correct their mistake. Legally, the signed check I issued is my approval for the {$920.00} payment. I also gave verbal permission by phone on XXXX.19.  When calling today, the customer service agent placed my call on hold and then hung up without addressing the error or calling me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Innovate Managed Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a letter from Innovate Auto Finance/ Dealer Funding LLC XXXX XXXX XXXX XXXX XXXX Texas XXXX stating that I was in default and Requirement of Strict Compliance. The letter was dated XX/XX/XXXX. I reached out to the company on XX/XX/XXXX through email to validate the debt because I had no idea who this company was, I never signed any contracts with them nor haven't even spoken to anyone from the company before. I go outside to walk my dog and realized that my car is missing, they had came a repossessed the vehicle without validating that I infact owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am currently a Wells Fargo customer. On XX/XX/22 I visited a Wells Fargo back on XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I used the ATM in from of the building by the front entrance. I put on my card, entered my pin and requested {$320.00} dollars from the machine. I counted the money in front of the ATM and found I had received {$170.00} instead. I then looked at the receipt and it said that the machine had dispensed {$320.00}. confused I went back into my car and asked my friend who was in the car to count it for me. he too counter {$170.00} and confirmed that I was {$150.00} short. I then called the Wells Fargo customer 800 number to report the issue. I was advised that the issue would be investigated and that I needed to allow 10 business days. If the issue was not resolved after 10 business days, then I would receive a credit. on XX/XX/22 I received an email stating that the investigation had been completed. I called XXXX and spoke with XXXX. he stated that the investigation was completed but that the claim was denied and that I would not receive the {$150.00} that was owed to me. I asked to have the issue escalated and spoke with XXXX, a claims representative. she again stated that the claim would be denied. I asked for the issue to be escalated and XXXX stated that the issue would be escalated to the corporate office.

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 2017-09-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello. On XX/XX/XXXX I returned a leased car over to XXXX Toyota XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease. 
On XX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to Toyota because I returned my car before the end of the lease. I went immediately to the Toyota dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that Toyota made, they processed improperly the trade in paperwork and that 's why Toyota was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have a loan from XXXX school, originally managed by XXXX XXXX, which has since been transferred to Navient. In the last year or two, Navient has not billed me or reflected my monthly payment in a clear or straightforward manner. 

For example, in XX/XX/2016 I applied to the US Government and was approved for an Income-Based Repayment ( IBR ) Plan, resulting in a monthly loan payment of {$58.00}. Unfortunately, in my attempts to pay my monthly IBR, I have been misled by both Navient telephone payment personnel and by the company 's website. 

Navient has persistently stated on its website in my Account Summary a " XXXX Consolidation '' payment as being due by me ( currently {$230.00} ), with apparent priority. No statement of my minimum monthly payment, the {$58.00} IBR, is anywhere apparent on Navient 's electronic presentation of my " Account Summary. '' To say the least, this is deceptive. 

After calling Navient directly twice in XX/XX/2016, speaking both times with off-shore call centers in the XXXX, and complaining about this unclear statement of my monthly payment due, I finally learned that, in order to ascertain my minimum monthly payment due under my Income-Based Repayment ( IBR ) Plan, I would need to navigate away from my " Account Summary '' page by clicking on a link entitled " Loan Details. '' Only in clicking on this link, the Navient Customer Service representative informed me, could I learn of the monthly payment I owed. 

Twice in the last year or year-and-a-half, I have made payments of $ XXXX {$320.00} under the false impression that this was the minimum amount owed, or the first priority for repayment. Only after making these payments, supposedly targeted toward " consolidation '' charges, and discovering that these amounts never disappeared, but kept reappearing month after month, did I realize that this " consolidation '' figure being presented by Navient for payment was not a one-time payment for past interest owed, or something similar. 

In short, in the way Navient bills me, I am given a false impression of which balances are payable when, while I am under-informed about the minimum monthly payment due, since I have to dig and navigate around my electronic account page simply to learn my monthly payment due under my Income-Based Repayment Plan. 

If necessary, I can attached a screenshot of my latest Navient " Account Summary '' so CFPB can see what I see as a Navient customer. 

Thank you very much in advance for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a lease with Chrysler Capital. My account from day one was on automatic payments and was consistently paid on time at the first of the month. For the final payment, they, in their words, " manually cancelled '' my automatic payments causing me to miss the cutoff. I called in to ask about how to handle the lease return, and the person on the phone told me I was past due. I immediately paid because I had no idea I had missed a payment since it was on automatic payments. The lady on the phone told me not to worry about it and it would not be reported. Several days later, I get an email from my credit reporting that says I was delinquent on a payment and my credit score was knocked down by 49 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
We are trying to set up payment arrangements and the company Hunter warfield Inc., stating they wo n't give me any prof if I 'm making payments that it would hair sit on my credit no receipt number or anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX, I applied for the HARP loan program through Bank of America. The purpose was to reduce my monthly mortgage payment of {$680.00} to under {$500.00} due to financial hardship. ( XXXX XXXX XXXX, I applied for Chapter XXXX Bankruptcy and was discharged ). After my HARP loan was approved, my payments, as expected, totaled {$470.00}. In XXXX XXXX, I received a letter for Bank of America informing me that my payment had increased to {$620.00}. This was a total surprise and not in the spirit of the HARP loan program for which I understood to getting a reduction in my monthly principal payments. The refinancing of my original home loan balance, before HARP was {$68000.00}, after refinancing the loan balance with HARP I am now paying more for the house than I had before with a total of {$72000.00}. This all happened in less than one ( 1 ) year. As it stands, I did not benefit from the HARP loan or its counseling. This transaction has placed me in a greater financial hardship and responsibility than before. I would like this loan to be re-visited, as this was not my intended purposes of refinancing with HARP. 
The HARP loan has put me in more debt than I expected. My loan is now right back to where it was, at 30 years with a higher rate and balance.

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: 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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report ( All items are not on ITR due to limited room ) * and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 explanation
Consumer complaint received 2016-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax is not allowing me access to my credit report and score even when i purchase it i was signed up with monthly monitoring and i still ca n't access it this is what i get when i order it We are unable to complete your order at this time. Please contact our Customer Care department at XXXX ( XXXX ) 7 days a week between the hours of XXXX - XXXX Eastern Time Zone for immediate assistance. Please record the following information and have it available when you call : Eval Code : - Status Code : FL, Reason Code : NH i call and no one know what that means i do not have no fraud alert or security freeze on account. also other lender who pull report can not access it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
In 2003 I got a divorce, at the same time my husband filed for bankruptcy. Shortly after I had a judgement on my credit report for a debt XXXX for my X husband 's credit card. I disputed for years finally it was off my credit. Recently the debt collector filed a writ of revival. I tried to hire a lawyer however the cost of lawyer was more than the debt. This is not my debt, I never gave them my social security number. At this point I do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have this issue with both XXXX XXXX  and Capital One credit cards. 

Currently, I do all of my banking with XXXX XXXX XXXX XXXX. I now have {$35000.00} worth of credit on cards any time I want it plus a {$25000.00} line of signature credit any time I want it. 

Now, both XXXX XXXX  and Capital One cards in their fine print that says if a card isn't used for a year they will drop you as a customer for non-use. XXXX XXXX XXXX XXXX  was like {$2500.00}, and Capital One had gone to something like {$12000.00}. ( At 26 % credit? Vs the 5.99 or 18 % of XXXX XXXX? I don't think so ) So I waited 18 months, then called them up and asked " Why am I still a customer? I don't like you, trust you, or respect you. But I'm NOT willing to request you to drop me as a customer because I don't feel I deserve the hit on my credit score. So, why haven't you dropped me? '' They hemmed and hawed but essentially the bottom line is : " We don't know why you're still a customer ''. So, how can I lose these two cards and NOT have it affect my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I responded to an advertisement to get alarm system protection for my house at a promotion rate by company called XXXX. Few days after I got contacted by a company called XXXX stating they are the party that was hired by XXXX to install my service that was ordered from them. Obviously I contacted XXXX to make sure it is correct what they are telling me because I do not trust anyone to come in to my house. One week later they came in to install my security system and they spend 2.5 hours in my house and told me they need to come back to finish the installation and at that time they give me a paper for contract to sign and I refused to sign it at that time and told them I will sign the contract once the installation is finished and my system is ready to operate. This transaction happened in XX/XX/2016. Since then I have been contacting XXXX and XXXX to schedule a time to finish the installation. Both companies had given me so much run around which I told them I do not want to do business with them any longer and I hired someone to take all the wiring what they done and boxed them and put it in my garage and whatever the equipment they brought in originally which was in opened and was in box still sitting in my garage. I had received phone calls from XXXX requesting money for service that was not done and every time took me 20 to 45 minutes explaining that my security equipment was never installed and I have everything in the box to send back to them and all i need return authorization which i never received. About two weeks ago i got a collection call which followed up with a letter from a company called MCCARTHY, BURGES & WOLFF demanding {$970.00} from me. Immediately I requested a debt validation from them .Earlier today I received their validation paper which showed my signature on the contract that someone has forged my signature. The great part is I have the original and the copy of original contract that was never signed by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CREDIT ACCEPTANCE 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 was behind in payments with credit acceptance. The account became 120 days delinquent and they reposed the car at that time. I called the same day that the car was reposed to see what my options were. They explained the process and how much it would be to get my car out and we set up a new payment plan with a new payment date. They still continued to report my account as delinquent to the credit reporting companies even tho I entered into a payment arrangement and made my payments since on time every month.

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: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from XXXX to Shell Point Mtg. I have not received any statements or requested documents in months. I'm trying to get this paid and they will not send me a statement or itemized bill. My records show a balance of {$34000.00} and they are saying its well over $ XXXX. Also, the online website for my account will not give me access. I have called several times with no assistance. This is borderline fraud. Please help with this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

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