BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-29
Company: SUNTRUST BANKS, INC.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
A representative for Suntrust Bank came to my house and left a blank card with a hand written note on it asking me to call Suntrust. This person did not identify themselves in any way or form. My payment is XXXX days late and the previous week I called and asked for a deferment. I have not yet received the paperwork to fill out yet for the deferment. I have dealt with XXXX other auto loan companies and I have never had this experience from any of the other companies. I find it extremely unsettling and abusing their position as the loan provider. When I asked for them to provide information about who had came to my house the request was refused and they advised to not take it personal. Given that they sent someone to my home in what seems like strong arm tactics, I find it very personal. Then they stated that I do not own my vehicle that the bank does. I have found my experience rude and that they are over stepping. I feel that it implies that they can have access to where I live and my property anytime they deem it is necessary. They do have an interest in the car but my name is on the title. What does it matter to them what sort of condition the vehicle is in if I am making the payments or keeping in contact with them to make arrangements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX 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 explanation
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: NJ
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 disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX 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 2016-05-25
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
AES has had a consistent habit of withholding information, giving vague or elusive responses and going so far as hanging up during phone calls after receiving a very sharp attitude. I have given ample evidence of my financial hardship and many of the incentive programs were not related to me, or at best were vaguely given, with a very harsh/dissuasive post-note. I receive conflicting information from customer service representatives, the methods of communication are not consistent and there is no quality representative I can speak to concerning the attitudes of the customer service reps. Overall, their quality of work is abysmal and their attitudes are unprofessional, contradictory, unhelpful, discouraging and even antagonistic. I feel that many opportunities ( such as IN SCHOOL FORBEARANCE ) has been avoided due to untrained staff relaying inaccurate information and I still have no idea what are my rights and promises under their assistance. To be quite honest, I find the weight of these loans **UNLIVABLE** and there are so few alternatives to repayment methods presented to me and such unprofessional responses when trying to investigate said methods, that self harm presents itself as the only viable solution. Emotive responses aside, the core of my problem is an untrained staff that does not present available options for their repayment services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This is my XXXX submission regarding the XXXX. I paid {$1000.00} to try to reduce my loan ; however, they charged {$170.00} in interest, and paid {$820.00} towards the principal. Basically, I am being penalized for paying early. I had satisfied my monthly payment right before making this payment and specifically directed them to pay down my principal, not interest. If they charge me interest every time I make an extra payment, that is neither legal nor fair. Please instruct them to accept payment on principal and to stop penalizing early payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I run a XXXX and we have had multiple issues with suntrust bank. Our XXXX as a result of its intrinsic natural does nothing operate even keel through out each month. We will have a $ XXXX check one day and a XXXX check another. Over 13 times suntrust bank holds a check from one of our customers for up to 7 to 10 days while this is understood to be part of the antiquated bank regulations from XX/XX/XXXX. It is devastating to our small business. A XXXX dollar check was deposited on Wednesday XX/XX/XXXX. We where told that the bank put a hold on it on Friday XX/XX/2016. And told that we could pick up the money Wednesday morning XX/XX/2016. I went this morning the XXXX of XXXX to pick up our money and it was still not available. I checked with the customer to see if the money was removed from her account and it was on Friday XX/XX/XXXX. I was also told that they would not give me cash they would only give me a certified check. Which will but put on hold as soon as I put open a new account. I also no longer trust Suntrust to produce a note of legal tender. I do n't trust that they actually have the money. This puts undo XXXX and my family as this is our only income. This XXXX is the key to open up almost XXXX in material and work for our company. We have missed some opportunities that would have allowed our business to make even more money than that in these past 7 days. My belief is that suntrust and possibly other banks removes the money for the payee 's account, uses this money to collect interest and make more money stating the banking regulations as the reason. Then clears the money verifies the check and then that money goes to the receivers account. Once there it stays on hold while that bank uses that money to make money before allowing it to show up in the account. In my mind and in my belief that is laundering. Using XXXX of consumers money to make XXXX worth of interest between banks. In that I think it is possible that just like the mortgage industry bubble popped eventually this will also be a bubble that pops. Interest on money even over 7 days over multiple accounts is a lot of money being made on the illusion of funds not actual funds. It is my belief and concern that all banking customers are headed for a rude awaking When we all find out that our banks do n't actually have any of our dollars.

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 2015-08-07
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
American Education Services has changed how payments are applied without clear notice - advancing due dates, due to prepayment, without my consent ). It has failed to adequately respond to issues with their direct debit payment system including notifications of processing errors solely due to their own internal issues. They have also failed to uphold the direct debit agreement, changing the payment amounts without my explicit consent or notification as I pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Acceptance violated Federally protected consumer rights in effort to collect alleged debt on XXXX XXXX. They tried to coerce me into an agreement and has threatened and continued to report private information to third parties such as the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with First Citizens and made a payment of XXXX and came to find out that they had foreclosed on my house. I called the bank and was told that I would get that money back because they could n't accept a payment when it was foreclosed on. I have waited for 6 months and have n't gotten anything back from them and I want my money back. I do n't understand how they could take my money and it being in foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have contacted this company three times. They continue to call and send letters stating the debt is mines. I have told them debt is not mines. But they continue to send a computer generated bill from the actual creditor. They are also contacting me claiming to be an attorneys office which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX of 1997 the Law Office of Michael J. Scott, P.C. filed an Abstract of Judgment against me for a XXXX XXXX credit card account debt that is not mine. I am currently a XXXX XXXX customer in 'good standing '. XXXX XXXX has n't informed me of this allegiant past debt and I have never had a XXXX XXXX account with a of {$2100.00} balance. The Law Office of Michael J. Scott P.C. in XXXX, Texas failed to accurately identify the person who owes this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Esser, James & Associates
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This company is calling threatened to take our property or our assets suing us due to a debt. The name said on the phone messages is my first name but not my last name.There is no explanation of what the debt is about or which company they are representing. Just a number and no explanation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Thomas, King & Associates
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am not arguing that I do n't owe the money and I plan on paying it when I have it but this man is haunting me!! 

Called my son and threatened him that a lawyer was looking for me. 

Calls my office and does not announce that it is personal information. 

Uses different names, different company names and different numbers to identify himself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
In XXXX, I refused to pay for this refrigerator that was returned to XXXX twice for repairs. The XXXX refrigerator was sold to me as new but it was a refrigerator off of the floor of the store. I requested a new refrigerator after the appliance failed several times within the first four months of service but I was refused. The repaired refrigerator remained at the XXXX store and I discontinued making payments on this appliance. In XXXX of XXXX, XXXX XXXX XXXX purchased the debt and filed a judgment in XXXX of XXXX. XXXX used a law firm named XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, Texas by Atty. XXXX XXXX XXXX XXXX. XXXX to serve the judgment. On XXXX XXXX, XXXX, I was asked to sign a one-page document with the understanding that the debt would be resolved due to the statue of limitations in Texas ( e.g. 4 years ). On XXXX XXXX, XXXX, I was served a writ of execution that was secured by Scott & Associates @ XXXX XXXX XXXX, XXXX, Texas XXXX -- -Phone XXXX, XXXX. The writ of execution 's cause no is XXXX and it was filed electronically at the XXXX XXXX XXXX Clerk 's office, XXXX XXXX, XXXX XXXX, XXXX Texas XXXX. This debt is 19 years old and my property has been threatened for possession and or XXXX for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been trying to get information regarding to a settlement for a collection I have with this company. I have called 3 separate days to get answers and set something up and each and every time I called them I get greeted with nothing but attitude and unprofessionalism. I ask simple questions such as " Does your client accept payments on a settlement or does it need to be paid as a lump sum '' and I got the run around and how I will not be paying anything this month so I have to wait to get this answer and then proceeded to place me on hold and cold transfer me to someone else, I had to re-explain my situation and finally got a straight answer. The next day I called back to set up a payment arrangement, when I got to a rep named XXXX she had a severely poor attitude told me to not put words in her mouth when I asked her a clarifying question. Once the arrangement was set up I asked for a letter stating my arrangement so I can give this to an apartment I trying to get into she proceeded to tell me that she wont do that because people pay the first payment and then never pay again, I explained I am in collections myself and know for a fact that an arrangement letter does not state that I have paid off this collection as I was explaining she interrupted me I told her I was not done speaking and she told that I was done speaking and placed me on hold. I immediately called back and spoke with a manager and she stated he would give her a training lesson but I do not believe anything was done. The very next day I called back and asked someone else if I was able to get an arrangement he said we can not do that placed me on hold, when he came back in the middle of him asking if I was still there he proceeded to hang up on me and did not give me the chance to respond to him. These conversations took place on XX/XX/XXXX @ XXXX .. XX/XX/XXXX @ XXXX & XXXX ... XX/XX/XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Over a two week span dating from XX/XX/XXXX to XX/XX/XXXX, I was looking to buy a new car since my old one is due for a severe amount of repairs. I had several hard inquiries into my credit but since the payments offered were so high, I decided to not buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Websterbank delayed closing to charge me rate lock extension fees. Assured me for weeks wevwere all set and ready to close but the last 2 weeks before rate lock end came up with all kinds of things needed to verify before closing. Was in contact with their mortgage agent through out the process and he sssured me we would be ok. Said do n't worry about if it ran over he would get the rate extended. One week before closing I received the final closing documents that reflected a rate lock extension charge. Websterbank agent told me to just sign it because if I did n't it could delay closing by 3 days for new paperwork. He would take care of rebating me the charge after closing. After closing no one wanted to talk with me and no one would call me back. I have emails and texts to verify their intensional delays to incur cost for me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They call and ask me all kinds of personal information. When I ask what it is about they say they wo n't tell me until I verify personal information. I wo n't do it. They wo n't stop calling.

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 2021-01-02
Company: Experian Information Solutions Inc.
State: GA
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 had a problem with identity theft first off. I never took out all the loans amounts that shows up on my credit report. I ask for the credit company to verify the amounts dates and loan amounts are correct on my credit report. I know I am a victim of fraud. But I am XXXX can't get them the information they need because I am XXXX. Basically I can't run around town to fax 's or mail paperwork. They are not doing there job to protect customer for information they don't verify debts or times even when they asked to do is. I think it all a scam to get money out people with false reporting. Even after I let them know I am a victim of identity theft

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 2015-09-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is against XXXX And XXXX. 
They bought these debts from XXXX XXXX. 
Which XXXX bought from XXXX. 
I WON the Litigation AGAINST XXXX in XXXX XXXX, CaliforniaWith many others!!! Shame on XXXX XXXX XXXX for such " stupid '' purchase! 
NOT A REPUTABLE or RESPONSABLE OUTFIT!!, when purchasing bogus debts and outRight destroying somebodies Credit Report without even properly investigating the facts and proof FIRST!!!!! Their lid emcee should be stricken from them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan was transferred from XXXX XXXX XXXX, XXXX to SLS in XXXX 2015. Since then we have experienced XXXX major problems. The first involved a property tax impound account that we do n't have/never have had ( see complaint # XXXX ). The second involves continually being requested to obtain more insurance than we need on our structure ( complaint not yet filed. ) The third, and the subject of this complaint, involves our PMI account. Although we have paid PMI of $ XXXX/month since our initial payment in XXXX 2015, we recently received a bill for the account shortage. The bill appears to represent two month 's worth of impound account, for the XXXX and XXXX 2015 amounts. Note that we paid the amount for each month as represented by the statement from XXXX. I have attached a copy of the XXXX statement proving payment, as well as a copy of the bill for the " shortage '' from SLS.

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 2021-01-03
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company credence resource management has a negative collections account reporting on y credit file that I have no knowledge of from XXXX. I first submitted a dispute through the credit bureaus XX/XX/2020. Credence sent me a letter dated XX/XX/2020 stating they received notice of the dispute and would be ceasing collections unless they received/ could provide validation of the debt. I have yet to receive validation from the credit bureau or credence resource management. I opened a dispute directly with credence on XX/XX/2020 again to resolve, they acknowledged the receipt of the dispute via email but still has failed to provide proof and has maintained the negative reporting on my credit. Im in the process of buying a home and this is damaging to my credit profile. By law they were given 30 days to verify or remove the acct and they have failed to do so.

Company response to consumer: Closed with non-monetary relief