BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-03-27
Company: VW Credit
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I was charged by Volkswagen Credit XXXX for wear and tear upon returning my lease vehicle. This bill came almost XXXX months after I dropped off the car. To dispute the charge, I paid the bill with an XXXX card. Supporting documentation was submitted to XXXX and on my behalf, they waited for a evidence and a reply from VW to support their claims of the damages, but there was no reply. After almost XXXX months, I was then issued a credit of XXXX ( minus the return fee of {$350.00} which I paid ) from VW. A few weeks ago VW sent me another bill for XXXX. They called and threatened that the charges would go to a collection agency if not paid. [ In addition to this over a year ago, the maual transmission, for the same car in question, failed on the highway. VW claimed abuse, and I was charged over {$2000.00} for a car barely XXXX years old. According to them XXXX other women have had the same issue and was not aware they did not know how to drive a stick and was responsible. They offered this unsolicited information despite the fact that my previous car was a VW XXXX as well. XXXX stepped in and disputed the charges and I was issued a refund. ] Because of their questionable practices I decided to return my car a month early and paid my last month 's payment early. This was a clean car that I returned. The has a parking space both at work and at home and rarely parked on the street.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I attempted to contact the company, however, they would n't allow me to talk to someone. I sent 2 letters and the first time they responded about the wrong account and the second time they ignored my issues completely. The creditor - Comenity Bank - engages in shady business practices and does nothing to actually look into the issues and truly investigate. I also submitted a dispute and within 2 days they responded stating the information would not be corrected. They did n't even investigate! 2 days turnaround shows not even looking into the matter. I have other accounts and have been a good customer, however, they could n't even help me with this matter. I have read several better business bureau complaints for this creditor with similar issues. I want the late reporting removed because it is inaccurate and due to errors on their part, not sending statements and disputed fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: Southwest Credit Systems, L.P.
State: NY
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:
XXXX alleged that I owe them {$76.00}. for a phone bill. That debt was passed on to a collection agency known as Southwest Credit Systems, L.P. located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Be advised that I was never in any phone contract with XXXX during the time period they alleged I owed them {$76.00}. Notably, neither XXXX nor Southwest Credit System ever notified me of this debt in writing or otherwise prior to its submission to the collection agency or to the credit bureau. In fact, I first discovered that I was in collection status while viewing my XXXX XXXX account. These facts withstanding, I wrote directly to Southwest on two occasions ( one letter returned as " returned to sender not deliverable as addressed '' ), and the second letter was confirmed as received due to return receipt requested. However, to date I have yet to hear from Southwest with respect to an explanation, or whether they contacted XXXX to have the collection removed from my credit report. I also disputed the collection online with XXXX on XXXX occasions to no avail. This was followed up with XXXX letters of dispute ( certified mail - return receipt requested ). The XXXX confirmation response letters that I received in regard to my XXXX letters to XXXX had absolutely nothing to do with the instant disputed XXXX collection. In fact, in XXXX replies XXXX provided confirmation in regard to an unrelated matter. Additionally, I tried contacting XXXX agencies via phone, but was not afforded an opportunity to speak with anyone. As a last resort I am formally requesting that the FDCPA take the necessary steps to have Southwest and/or XXXX have this erroneous collection debt removed from my XXXX credit report. That collection debt is damaging my credit report, and is currently hindering me from purchasing a vehicle.

Company response to consumer: Closed
Consumer complaint received 2020-01-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I called XXXX in XX/XX/2017to let them know I am not a student at the school anymore the school continue charging the loan company. When I call the school no one in Finacial Aid is speaking to me. I did not graduated from the school I left and transfer to a accredited school

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez LLC dba Shellpoint Mortgage Servicing services my home mortgage. They fraudulently have added lender-placed insurance on my account for months, charged me for it, and refused to remove or refund it. My own personal insurance information has been provided on emails dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Shellpoint is deliberately unresponsive and unclear about why lender-placed insurance was placed on the account in the first place. Shellpoint is not operating in good faith to resolve this issue and continues to fraudulently charge me for lender-placed insurance.

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 2015-05-20
Company: CURO Intermediate Holdings
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The company is called Speedycash. It is a pay day loan service, but they also have gaming consoles, and electronics such as laptops and tablets. Having had an old computer I decided to get a laptop though them since it seemed an easy process to do. To sum it up. I got the laptop. Payments are automatically ( required ) to be taken out on your paydays per their stipulations. My pay days were every other Tuesday, so they debited the XXXX dollars out of my account every other Tuesday. The problems started when I changed jobs. With the new job, my pay days are every other Friday instead of Tuesday. They kept taking my money out of my account every other Tuesday like those were still my pay days, which caused my account to be over drawn twice. I called them and told them this. They said they would make the changes in my account of my new pay days so the payments would go through on the correct days. The changes did n't happen and my account was overdrawn again. I called them again and told them this, which because of all this caused me to be behind XXXX payments to them because they were drawing the money out on the wrong days. I called them and told them the problem yet again. Spoke to two different representatives and set up a payment arrangement to be taken out of my account to catch me up the following Friday. The following day another major problem happened. I called again to ask another question about my account and when I verified my information ( my name and ssn ) they said that the info I gave them did n't match what was on file. ( mind you I had just spoken with and verified my information with two different customer service reps the day before ). Frustrated, I was told I had to call one of the local Speedycash stores and give them my information again and the customer service rep at the store had to the call customer service center and give them my information. This did n't make sense to have that level of incompetency happen that fast with my personal information. Once that was cleared up just in the last few weeks and the day of this writing they have been ( attempting ) to take money out of my account on days when I have n't authorized. The day of this writing, XXXX dollars was taken which caused my account to be overdrawn again and the same amount was tried last Friday, which caused me to be late on my car payment. The only thing I am left to do is to change the account # on my account information that they have so they wont be able to just go in my account Something needs to be down about this company and their shady business practices. They have lied to me when I have called and asked about how and when my payments go though my account, saying that its all up to a computer system and that they have no control over it. I was even told that payment arrangements are n't always honored because of this so called system. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates has now ILLEGALLY filed an ADVERSE ACCOUNT action against me with XXXX, without first sending me the LEGALLY REQUIRED notification that they now hold an account that they CLAIM that I own, with an unpaid balance that THEY CLAIM that I owe. 
They know, based on my previously filed complaints with CFPB, and based on my otherwise perfect ( XXXX ) credit score that this account does not belong to me, and is, apparently, the result of Identity Theft. 
They continue to ignore this, while just now sending me a COPY of the legally required notifications that they sent to a different person at a DIFFERENT ADDRESS in XXXX. That DOES NOT meet their LEGALLY REQUIRED Notification to ME, since I have never seen it before, AND THEY KNOW THAT. 
They started with harassing phone calls, refusing to even identify themselves, and only now providing the documents sent to the different person at a different address in response to my earlier CFPB complaints, and in an apparent attempt to cover their XXXX with the Arkansas State Board of Collection Agencies Complaint Process. 
CURRENT : They HAVE NOT sent ME any of the LEGALLY REQUIRED NOTIFICATIONS at my LEGAL address ( unchanged since XX/XX/2005). 
SO, they have filed an ADVERSE ACCOUNT in MY XXXX   Credit Report without ever sending me any of the LEGALLY REQUIRED Notifications at my LEGAL address, which they clearly have. 
This is continuing harassment, directed toward trying to get me to pay money that they know I do not owe. They believe that they can coerce me, based on my age and my exceptional credit score, into just paying a debt that I do not owe in order to get them to stop the harassment and remove their illegal Credit Report input..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card
Issue: Balance transfer

Complaint:
Adding documentation regarding the Bad Faith claim against Comenity. Daily I get letters tha dispute the last letter First letter ( not attached ) came in XX/XX/XXXX saying it was never cashed and when I called they agreed to cancel it. At this point I suspect theft/fraud/bad faith. Please review the letters and these are related to original complaint XX/XX/2017 # XXXX since not able to add attachments after originally submitted. I had also made a complaint to FDIC and they forwarded it back to you and XXXX was opened. It 's just a duplicate of XXXX so ok to close out XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
DURING THE TERMS OF THWE LOAN I REQUESTED AN EXTENSION TWICE. I PAID A {$50.00} FEE FOR ONE EXTENSION. I WILL BE FINISHED WITH THE TERMS OF MY LOAD CONTRACT ON XX/XX/2020, HOWEVER, THE FINANCE COMPANY IS NOW TELLING ME THAT I OWE THE A BALLOM PAYMENT OF {$2200.00} AS OPPOSED TO {$740.00}. THEY ARE SAYING THAT I AM BEING CHARGED {$2200.00} IN INTEREST AND WILL BE CHARGED XXXX PER DAY IF I DON'T PAY {$2200.00} IN FULL AT THE END OF THE CONTRACT ADTE.. I HAVE PAID FOR THIS VEHICAL IN QUESTION FOR THE PAST 69 MONTHS ON TIME. I KNEW NOTHING ABOUT BEING CHARGED A BALLOOM PAYMENT AT THE END OF THE CONTRACT. ITS NOT FAIR FOR ME TO BE CHARGED {$2200.00} FOR {$740.00} AND LOSE MY CAR AFTER PAYING FOR IT FOR THE PAST 72 MONTHS. I AM A SENIOR CITIZEN XXXX  YEARS OF AGE BEING TAKEN ADVANTAGE OF. I CAN NOT READ OR WRITE THAT WELL. SO, PLEASE BE ADVISED SOMEONE ELSE IS WRITING THIS COMPLAINT ON MY BEHALF. IN ADVANCE THANK YOU FOR YOUR TIME, PATIENCE, COOPERATION, CONCERN REGARDING THIS MOST URGENT MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Avant Holding Company, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved with Avant for a credit card in XXXX and was waiting on it's arrival XXXX business days after approval. It should of arrived no later than XX/XX/XXXX ..... It never came. I spoke with a rep on XX/XX/XXXX, who trusted a card which was sent out on XX/XX/XXXX... Wait another XXXX business days. I spoke with a rep on XX/XX/XXXX because AGAIN, I haven't received the reissued card. He then stated that if it's not in my possession on Friday, XX/XX/XXXX, then I need to call back. Today is XX/XX/XXXX and I STILL HAVEN'T RECEIVED my card. I called, was on hold for almost 15min, and a lady answered. She stated that since I didn't get it, still, she'll reissue a 3RD CARD. I asked her why do they not know where these cards are going because I'm potentially looking at 45 days without my card after giving my personal information to this company who ALLEGEDLY sent two cards already. The lady was VERY RUDE AND DISRESPECTFUL, SASSY, AND DEFENSIVE regarding me asking where's my card, why this is happening, am I the only one, and why not rush deliver the card since they have so many to give out ( listen to the call. I Called Avant @ XXXX. Total time : XXXX XXXX )? She showed ZERO care and lacked customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: IL
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:
There are fraudulent inquiries on my credit report that I did not authorize.

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 2015-04-16
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX sold my mortgage to Caliber right when we were almost done with it. my home was set for auction XXXX XXXX caliber took it over XXXX XXXX XXXX had requested a postponement but it did n't go thru before the change, no one at caliber could help me, since i was n't in their system yet. I was in a state of sheer panic. i was going to lose my home because i was n't in the system???? I called everyone, i talked to supervisors, managers at caliber to no avail. i finally called XXXX who had done everything right for me. i finally got the foreclosure attorneys contact from XXXX. i called them, they had chases request but since caliber now held it they needed it from them. i begged, pleaded and threatened a law suit. nothing. the friday before the sale i did n't know if i was losing my home or what was happening. i had been contacting Caliber daily, same results, nothing. in desperation i called the foreclosure attorneys again. the girl i had spoken with preciously had put a postponement request in new date XXXX XXXX, XXXX XXXX weeks from today. Finally on XXXX XXXX Caliber had my information. I spoke with a lady explained for the XXXX time my situation. she walked me thru to where the loan modification papers were on their website they needed to have them within XXXX days of the sale. Wednesday, XXXX XXXX 2015 I emailed the documents, I requested they request a postponement so we could take care of this, and I requested receipt of documents, not surprisingly, i received nothing. i had explained that i am currently without a phone and need email communication. On Friday XXXX XXXX I again requested affirmation of receipt of documents, again nothing. This week I have sent thru their website XXXX times for help. I have heard nothing and my home is set for sale in XXXX weeks. I am XXXX and not in great health and my husband is XXXX from a XXXX. My grandkids also love here with me. i ca n't pack everything up and find out it was for naught ( much less the confusion to my husband and grandkids ) at this point I have no idea what to do. HELP ME PLEASE PLEASE right now i can only be contacted via email, but my phone should be back on soon that number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home was bought out by caliber home loans I received a letter that we owed XXXX so when my husband received his SOCIAL security check I mailed XXXX to them then I sold some retirement and mailed another XXXX Then my husband received his va Benefits I mailed another XXXX Logged into their website it showed I owed XXXX today I logged into their site it showed I owed XXXX called them and was told that all my payments were not applied to the loan they were holding XXXX to see how to apply it to the loan and they had not received the other XXXX Caliberhomeloans.com is a rip off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Risecredit, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife and I each have a personal loan Rise Credit XXXX XXXX, LLC D/B/A XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Texas XXXX. Both of our loans were one month behind and we received a letter from Rise saying that if we paid two months immediately, they would credit my account for one payment as a bonus and two months on my wife 's account as a bonus. When we paid the amount they requested they refused to give us the credit they promised and are threatening us with action if we don't pay the amount they promised to credit our account. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX     XXXX    vin  #  XXXX , was financed by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original loan of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX , Experian,  XXXX . Unfortunately i 've tried to resolve the issue with   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