BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: MEI AUTO FINANCE INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Today XXXX I called and spoke to XXXX about 2 late payments on my account. I got transfered 3 different times all because they couldnt answer me when laws were quoted. 
The last agent told me they don't have a credit reporting department so I would have to get the bureaus to update the late as they can not change the late payment. BUT SOMEBODY IS REPORTING THE DEBT IN ORDER FOR THE BUREAU TO POST!!!! 
That is breaking my privacy right as reporting this info which is {$1000.00} violation ' 15usc1681b says no permissible purpose so if they didnt get my permission to post this information how can they?????

15usc1681a2 a ( i ) exclusion from consumer report ..transactions and experiences between the consumer and the person creating the report. So if it is EXCLUDED from the report how are they allowed to report it anyway. 
I call the bureau as they advised me to and the bureau says they just have to keep disputing it and go by what they say... .where is the justice if it just keeps bouncing like a basketball from me to the bureau, the bureau to automax and automax back to the bureau with the same lame answer. Thats not fair at all.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Collection Information Bureau, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I 've mailed this collection company several letters of my XXXX and exempt for collection. The account they all about is not my obligation that of XXXX county XXXX which I had at the time of these charges were incurred

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX XXXX XXXX for {$36000.00} on XX/XX/XXXX and financed it through KIA Finance. This loan was paid as agreed in full on XX/XX/XXXX but NO title has been received and it is going on 6 months. We have contacted KIA Finance multiple times and still NO Title. Their records show that the loan was paid in full, a paper copy of the title is on file and multiple requests for it have been made. Still NO title.

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 2022-08-18
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Collection SV account XXXX XXXX XXXX XXXX  I have know Idea what this is for and why you placed it on my credit report. 
please give me some type of information about this debt, { 1 } a copy of billing, A copy of a service contract with my name on it, where or who made the debt, what type of debt this is and for what. I be waiting to hear back in your response to the CFPB because I have no idea what this is for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
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:
EQUIFAX, XXXX, XXXX ARE FRUADS!!!!!!! AND ruining consumers CREDIT!!!!!! I HOPE THIS COMPANY GETS SHUT DOWN By the government!!!! 

EQUIFAX DO NOT DESERVE TO BE IN BUSINESS SINCE THEY DO WRONG BY MANY CONSUMERS!!!! 

Im going to EXPOSE you in a LIE and keep it very short and simple. 

So, CFPB, pay attention to the details to what I state and the documentation for PROOF of what I say. 

I, XXXX XXXX, sent EQUIFAX an letter via certified mail ( I got the receipt ) dated on XX/XX/2022 and CLEARLY explaining to Equifax that there is billing errors- 15 U.S. Code 1666 - Correction of billing errors on my report and it needs to be corrected. 

I also called the same day to tell Equifax to update all the late payments on my report that its a billing error. They use the same old excuse that they have to investigate and it could take up to XXXX. 

What the the XXXX is that? I AM THE CONSUMER AND XXXX TELLING YOU ITS AN BILLING ERROR - 15 U.S. Code 1666 - Correction of billing errors AND TELLING YOU TO UPDATE AS PAID ON TIME So today, XX/XX/2022 I received a letter from Equifax stating they need they needs two forms of ID from me, keep in mind the first letter I sent had a copy of my drivers license in it, so now they using that as an excuse!!! 

Because remember I called them the same day to confirm and verify all MY INFORMATION!!! 

You XXXX crooks!!!! 

Yall just caught yall selves in a lie!!!!! 

so its clear that Equifax DO NOT follow Federal Law!!! EQUIFAX IS IN MANY VIOLATIONS AND NEEDS TO BE PUNISHED AND SHUT THIS COMPANY DOWN!!!! 

Equifax is putting out false information and misleading - 15 U.S. Code 1692e - False or misleading representations Equifax is - 18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS Equifax is violating the Fair Credit Reporting Act - 15 U.S. Code 1681 - Congressional findings and statement of purpose Equifax is abusing me by reporting false information on my behalf after Im telling them of their wrong doings - 15 U.S. Code 1692d - Harassment or abuse Equifax reporting late on a open ended credit plan and that is a VIOLATION 15USC 1666 ( B ) EQUIFAX DO NOT RESPECT THE FAIR CREDIT ACT!!!! 

And for that reason they needs to shut you XXXX down I hate Equifax and as a consumer I have the rights to express myself!!! Yall are ruining my life and Justice needs to be done today!!!!!!!!!!!! SHUT DOWN EQUIFAX!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Harris & Harris, Ltd.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, Harris and Harris Limited debt collector has called me multiple times regarding a debt but refuse to indicate who they are attempting to contact or what the debt it for. The company has also failed to provide any written notice regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Ditech Financial LLC
State: OH
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Arrange a XXXX part payment on the mortgage, An uncontrollable emergency expense came uo and I had to cancel the XXXX payment. Repeated told to pay this and to borrow it any way possible so the company could get it 's high mortgage payment. I told them I was modifying the mortgage and told okay but need to pay us now. Threats to do legal action continued daily.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
After telling them not to call my work, which is at a restaurant. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Requested Synchrony 's assistance with defective furniture that was delivered by Ashley Furniture Homestore, but Synchrony basically did nothing to help. Each time, Synchrony would respond stating " we ruled in favor of the merchant, '' without requesting any evidence from me. I was stuck with paying Synchrony for two pieces  of furniture that arrived damaged and defective. 

As such, I sought legal advice, and the lawyer re-sent Ashley pictures of the pieces of furniture. As a result, Ashley has decided to exchange the pieces of furniture as well as refund any interest that we paid on the account ( see attached ). However, in order to refund the interests, Ashley needs written proof of the interest paid to date. Accordingly, I requested this information from Synchrony in XXXX but nothing was done. I reached out to Synchrony again on XX/XX/2020 and was told that I would receive the information via mail within seven business days. To date, I have not received the requested information, and I continue to pay interest on the balance on the account. Further, This balance is not valid ( as evidenced by the attached letter ) since I never received what I paid for.

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 monetary relief
Consumer complaint received 2022-02-27
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
sent me a letter out of nowhere, I have never seen anything related to this before. I moved out of XXXX  already for a year to XXXX I have always had insurance, for the last 6 years the same policy and company and never saw any claims from quest.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I selected this lender for my first time home purchase. I was referred to this place. I was pre-qualified, found a home, and started the process on XXXX/XXXX/2016. My close date on the contract was XXXX/XXXX/2016. Throughout the entire process i kept emailing and calling to find out what 's needed, what are the next steps. Finally on XXXX/XXXX/16 it seems someone started to work on my file. I 've been promised a closing disclosure since XXXX/XXXX/2016. Every day i 'm told tomorrow. My real estate agent has had my contract extended three times. I even emailed the CEO of the company for resolution without any. This is by far the most incompetent company i 've ever worked with. Throughout the process I felt as if nothing was happening. I was right. My appraisal was ordered two weeks before closing. My verification of employment was ordered 6 days before closing by XXXX XXXX. Now we 're nearly two weeks after i was supposed to close, they finally have everything they need and i still do n't have a closing disclosure or close date. Specifically tax returns, w2 's, verification of rent, verification of employment, termite inspections, and appraisal corrections were still needed on XXXX/XXXX/2016. XXXX and XXXX told me multiple times I was on track to close as scheduled. I emailed and called them daily. Nothing was needed. It seems as if no one touched my file until XXXX/XXXX/16. However, now it 's too late. I 've missed my close date, my contract is now invalid for the third time, and I 'm losing more money each day this closing is delayed. I 'm now at risk of losing the money i paid for the appraisal and home inspection as sellers do n't have to extend offer a fourth time. When I press and ask additional questions both loan officers find laughing appropriate. There has also been no accountability on Primary Residential 's end. When I demanded answers on what was going on with my file and why I was n't receiving my closing disclosure on time, my credit score was emailed to third parties with an email stating due to my credit score there are extra steps. It was never communicated to me that my loan would not close on time due to my credit score. There are many lenders that work with XXXX plus for FHA. Those lenders also understand the importance of customer service and contract dates. I do n't understand how this company is allowed to operate as a lender. I 've been told my loan is for final approval since XXXX/XXXX/16. New year, still not approved. I feel absolutely helpless at this point and the dream of home ownership is slowly slipping away.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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 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 year old 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 explanation
Consumer complaint received 2017-02-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
While paying for a purchase from a convenience store using my chip-imbedded debit card, the card was stolen from the chip reader and the thief quickly exited the building. The timing was well planned since I heard no alarm to indicate the processing was complete. I did not notice it was missing, thinking perhaps I automatically replaced it in my wallet. The next morning I had an alert that I was overdrawn and immediately notified the bank to put a hold on the account. The bank initially replaced the funds to me, but subsequently re-claimed the amounts ( + OD fees ), saying, in effect, that their system was infallible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification from PNC BANK and after being ask for a year the re-send the same document over & over I was told by my point of contact twice that the investor did not respond to the modification package, so there for the modification was denied. I have attached a letter with some out lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our current loan adjusted up to 4 % XXXX XXXX, 2016, with our lender of XXXX years Bank of America. We are in good standing and have exceptional credit ratings. We contacted Bank of America to refinance our loan to a lower rate and locked in at 3.75 %. We were required to pay {$470.00} for the property appraisal up front, then were declined in part by their own flawed appraisal. XXXX is estimating a XXXX increase in value over the Bank of America appraisal of XXXX, that is still XXXX in equity using the Bank of America appraisal. One borrower did returned to XXXX XXXX and then XXXX program. The three years following college was out of the workforce caring for a parent. Work history prior to college was not utilized or credited. Our loan officer stated that since we were Bank of America customers this refinance could be fast tracked, which has not been the case. The difference in our XXXX loans is {$520.00} a month savings. 
Below is the text from the decline letter Please read finding from XXXX on your loan. 

48 hour cancellation notice XXXX, So we had to request an exception for XXXX re-entering the work force, XXXX just got back to us and they are not approving the exception DECLINE REASONS : 1 ) Value is not supported in appraisal report ; comps XXXX & XXXX do not appear to be suitable comps as they are townhouses ; not single level flats ; comp XXXX is from subject property and sold for significantly less than subject value with significant, unacceptable adjustments. Appraisal was elevated for additional review and supported the decision for a decline. 
2 ) Stability and probably of continued employment is not documented in the file. XXXX does understand that borrower was caring for a parent for three years, however, due to long gap and lack of previous employment history, unable to document stability and continuance of employment which is needed to qualify for mortgage. 
3 ) XXXX does recognize that borrowers have owned home for XXXX years with a savings of {$280.00} per month, OnUs refinance, however, there are no compelling compensating factors to offset the risk of the exception

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 monetary relief
Consumer complaint received 2020-09-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I had sent 2 wire-transfer over the wells fargo app on XX/XX/XXXX and XX/XX/XXXX. total {$10000.00}. 

The receiver never receive the money until todayXXXX ). 

I called the wells fargo on XX/XX/XXXX and filed a claim. they said they will give me an answer in 10 business days but they never did. 

I called today and they can't give me answer about where my money is.

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 2017-05-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or about  XXXX / XXXX / XXXX   XXXX   XXXX  reported  XXXX  student loan as 'unpaid balance charged off '. On other dates listed in credit file number  XXXX  included the same account numbers listed as "  XXXX  '' address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SD reported account numbers  XXXX  as date opened of  XXXX . Changed to another account number by   XXXX   XXXX   On other previous occassions  XXXX   XXXX   XXXX  reported 90 day past due marks on credit account. All of which where erroneous.  1 ) Reported payment history deleted 2 ) Reported statues erroneous 3  ) Reported past due erroneous  XXXX . Furnishing certain deceptive forms " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in. ''  XXXX  False or misleading representations " Communicating or threatining to communicate to any person credit information which is known or which is known to be false, including the failure to communicate that a disputed debt is disputed ''. Sec  617 Any consumer reporting agency or user if information which is negligent in failing to complywith any requirement imposed under this title. ( 2 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney fees as determined by the court. Sec 611 ( c ) " Whenever  a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelavent the consumer agency shall clearly note that it is disputed by the consumer and provide the consumer statement or a clear and accurate codificatuin or summary thereof ''.  XXXX   XXXX   False  or misleading representations  ( 10 )  " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ''.

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