BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-12
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company repeatedly calls me at work. and they leave a message on my work phone that it is about a debt. My voicemail clearly states the number is for a company. It is not my personal phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was a student at XXXX University and placed my education on hold due to XXXX parent illness. The school was notified and information was shared of the situation where a leave of absence would be required. 
However, the school did not update my status and blocked me from returning when I tried to complete the degree. In addition, The school stated the returned funds to the department of education which has not been founded. Therefore, since this was a statement they applied they charged my account for monies in which they stated that was returned. In addition they have blocked me from receiving my transcripts to continue education elsewhere. 

now they are attacking my credit report with a falsified bill of service that never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage provider is Mr. Cooper aka Nationstar Mortgage. I spoke to them in XXXX regarding a Forbearance plan and was given their traditional forbearance option which requires full repayment at the end of the forbearance period ; Several weeks later, I received a letter stating that my loan was Federally backed which also indicated that my options would be different vs. a traditional non federally backed forbearance plan. When I asked to switch to the FHA backed forbearance I was told that at the end of their plan they would switch me to FHA ... if my forebearance was extended which was yesterday and again, it was not switched to the FHA plan. Fortunately, I was able to make my payments but currently struggling to make my XXXX and XXXX payments. Yet, I am being consistently told as current as yesterday, XX/XX/XXXX, that FHA backed forbearance plans function No differently from the rest of the forbearance plans, ( but it is clearly different to me ) and that I will need to pay the late payments back at the end of the Forebearance period or if I qualify their XXXX be other options. I was also told that my response to Mr Cooper when asked, Why are you now able to make the payments if I end the forebearance or at its end will determine what kind of options I am given??? This makes no sense and does Not follow the Script that Mortgage Companies are to follow for Government backed mortgages such as mine, ( XXXX XXXX ). As a matter of fact, Mr. Cooper Never even informed me that my mortgage was FHA ... I had to tell them after they stated to me that their traditional forbearance which requires full payment at the end and they still refused as of yesterday XX/XX/XXXX to extend my plan following FHA guidelines. I do not believe or trust Mr. Cooper ... this is the third person I spoke to on XX/XX/XXXX, and have received different misleading information from all of them?????? Who do you believe!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX the original creditor mailed the bill to the wrong address. And I should not have had to pay it through collections, This is hurting my score when I paid it once I found out. I am asking the CFPB to remove the debt on the grounds of never ever receiving the original bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
I made 2 payments 1 ) XX/XX/2016 {$570.00} 2 ) XX/XX/2016 {$570.00} Capital one made balance adjustment on XX/XX/XXXX of a total {$1100.00} I asked to open a case on XX/XX/2016 XXXX ( supervisor ) acknowledging the payments did come from me, refused to open a case talking about misapplied payments to another account holder. I told XXXX I was contacting consumer finance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-12-10
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I received a letter from XXXX stating that they were going to use a remotely created check to access my account on XX/XX/2016. I wrote XXXX a letter revoking my authorization to access my account. I also sent a letter to my bank, XXXX Bank, requesting they place a stop payment on any check from XXXX. I checked my bank account on XX/XX/2016 and saw that a check in the amount of {$500.00} had cleared from XX/XX/XXXX. I had other checks pending so it cause me to be charged an overdraft fee. I tried numerous ways to get in touch with my bank about this matter and was referred to someone who is never in the office. It has been a month and I had to pay {$500.00} in overdraft and returned check fees. I now have another {$250.00} to pay in overdraft and returned check fees because XXXX tried to access my account twice more. I am still waiting for the bank to do something about it and will probably be told there is nothing they can do because that 's all I have been told by them so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint mirrors the other XXXX complaints registered on this website. My loan was sold to Seterus, Inc. to service XX/XX/2015.XXXX XXXX. Seterus changed my 30 years fix rate and is trying to charge me a higher monthly payment even though my account is up to date and I have paid over the right amount for 8 years. Now Seterus has damage my credit history as placing me as a delinquent payment and Seterus is initiating a foreclosure in my property. 
I need help I do n't know what to do, I ca n't understand how come after all the fraud the banks and mortgage companies did which cost the economy of the world and nobody is doing anything to stop them? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called Commonwealth XXXX called me and told me they were going to serve me court papers and place a lean on my vehicle. I explained I do n't have any debt and do n't owe anything. They hung up on me. I called back and asked them not to threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
always lived with parents never had my own place to have cable

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 2022-05-17
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC System Inc. at XXXX XXXX XXXX XXXX XXXX, MN XXXX has sent me a collection notice in the amount of {$2200.00}. This company is claiming a debt that I was never notified of and was paid in full by my insurance company. I am not familiar with IC Systems Inc. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern I have discovered a Hard Inquiry on my personal credit report that is fraudulent. I was told by the credit organization Equifax to contact the company directly to dispute the error. I did to no avail, as the company known as XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX denied my claim. I returned the dispute to Equifax and they too are not willing to remove the error. This is clearly fraud. I have no interaction with the this company nor have I ever requested any services from them ever. I have previously been a victim of identity previously. This Hard Inquiry posted as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called bank of America when I had the cash to pay the debt couldn't find the account.

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 2023-03-26
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Got a scammer text from Chase bank saying that there was fraudulent activity from someone attempting to youse my card. They took me to a fake sign in page where I verified my identity unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: SinglePoint GI
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
General Revenue Corporation at XXXXXXXX XXXX XXXXXXXX XXXX. # XXXXXXXX XXXX PA XXXX has reported an innacurate collection in the amount of {$2200.00}. This company is claiming a debt that was settled with the original creditor and disputed and removed once previously. This is a total violation of my rights according to the FCRA and has caused much turmoil with the accuracy of my credit file. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
T Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1. The following account is not mine XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are homeless and do not have a way around the Heat XXXX Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
Product: Credit card
Issue: Advertising and marketing

Complaint:
USAA keeps sending me credit card offers. Originally they sent them to me. When i complained, the just changed the name on the address to one of my daughters, who does not live with me. I complained again, and told USAA to never send anything to my address. Now I am getting credit card offers from USAA addressed to my other daughter. Both my daughters are fully grown and have been out of the house for years. My address has even changed since my daughters last lived with me. USAA claims to be such a friend to the veterans, but I 'm a vet, and they are a XXXX to me. Please make them stop marketing my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-12-08
Company: Arapahoe Motors
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX 2016, we visited the Schomp Honda dealership at XXXX XXXX XXXX XXXX in XXXX XXXX CO. The purpose of this visit was to fulfill an obligation for a vehicle inspection on a lease that was terminating XXXX/XXXX/2016. Honda been contacting my wife and I several times a day to schedule a time for this and to advise us on what our options were since the lease was ending. 

Once at the dealership, we met with Client Advisor XXXX XXXX ( XXXXXXXXXXXX ; XXXX ). While our current CRV was being inspected, XXXX had us test drive a new CRV. After the test drive, we decided to enter into a new lease with Honda. However, since we still had 30 days left on our lease, we did not want to end up with 2 payments, XXXX advised that either Schomp or XXXX would take care of our final lease payment. He also advised that even though we exceeded the mileage allowance on our lease, there would be no extra charge since we are entering into a new Honda lease. 

However, after leaving Schomp with a new lease and CRV, we received a letter from Honda dated XXXX XXXX, 2016, stating we owed {$700.00}. Of this amount {$400.00} was for excess mileage and {$260.00} was for the final payment on the old lease. This letter was in direct contradiction with what XXXX had informed us. Naturally we called XXXX and explained the situation, XXXX advised he was mistaken and asked my wife to meet him to change the terms of the lease. She advised that was not an option and indicated we would return the vehicle if they could not honor what we were told. XXXX advised he would speak with his manager. 

On XXXX XXXX, 2016 we spoke again and this time he stated the department that handles payments to XXXX XXXX was closed and that he would take care of it. 

On XXXX XXXX, we left a message for General Manager XXXX XXXX ( XXXXXXXXXXXX ; XXXX ) but did not receive a return call. 

On XXXX XXXX 2016, XXXX left us a voicemail stating they would take care of the final payment and excess mileage amount. 

On XXXX XXXX 2016, we contacted XXXX XXXX XXXX to verify the balance has been cleared. XXXX XXXX XXXX confirmed the outstanding balance of {$260.00} was still owed and is now 4 days past due. This is extremely disappointing as well as alarming as our credit history is now at stake. Schomp Honda 's failure to act quickly has directly led to borrower harm. We are now forced to rely on regulatory agencys to help move Schomp to action. We are requesting the final payment be cleared as was agreed by both parties on XXXX XXXX and confirmed XXXX XXXX. In addition, we are requesting written correspondonce from Schomp Honda that this has been resovled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from Ocwen loan servicing LLC stating the service transfer was being changed over to a new company called XXXX XXXX. The letter says Ocwen will stop accepting payments received after the date of XXXX/XXXX/16. After this date XXXX will be taking the payments starting XXXX/XXXX/16. If the monthly payments are currently being drafted by Ocwen the service will be discontinued at this time. However I have XXXX issues. First off an automatic payment was taken out of my bank account on XXXX/XXXX/16 in the amount of XXXX. I was told my payment was n't due til XXXX/XXXX/16. However it was taken out on XXXX/XXXX/16 and another will be taken out of my bank on XXXX/XXXX/16. My bank informed me that I can not stop the payments on there end. But Ocwen says it should of been discontinued as of XXXX/XXXX/16. XXXX does n't have any record of my loan information. So where is the XXXX that is being automatically withdrawn going. I want the funds back in my account and the service stopped so that I can make my house payments correctly.

Company response to consumer: Closed with explanation