BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Afni , Inc. 
XXXX XXXX XXXXXXXX, XXXX, IL XXXX XX/XX/2022, AFNI collections reported an account to XXXX and XXXX that was not mine. I never recieved a call or letter about this debt. This has happened before and somehow they keep doing this. MY credit was harmed and this is damaging. I do not understand with all the laws that this is allowed to keep happening. They do not seem to care. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car loan is behind for 3 months. Just like the rest of the world I had experience hardship. However, I do understand that business is business and I must make my payments. I spoke with an agent by the name of XXXX on XX/XX/XXXX and I advised her I wouldnt be able to make a payment until the XXXX of XXXX she stated that wasnt good enough. She then called back on XX/XX/XXXX and I advised her of the same thing again. I advised I would like to keep the car however I dont get paid again until the XXXX she basically told me there wasnt anything else for us to talk about. This setting of conversation is unprofessional and inappropriate. No matter how far behind a consumer is we are still doing business and deserve respect. On XX/XX/XXXX I spoke with another rude unprofessional agent by the name of XXXX. This lady felt as if everything was funny. She continues to over talk me and wouldnt listen when I address her about it she started laughing as if it was funny. I see why Flagship has 2 when it comes to consumers because of agents like this. I dont dispute the amount due but I be XXXX if by any means this company treats and talk to me any type of way.

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 2022-08-15
Company: Affirm Holdings, Inc
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have had multiple loans through this company over the past 2 years or so. It is a buy now, pay later type of loan. I have used the same banking information over those 2 years to make payments on each of the loans that I have carried. I attempted to make payments on two of my current loans on XX/XX/XXXX. I was notified on XX/XX/XXXX that those payments had failed. There was no issue with the bank, as I called them to make sure it was not an issue on my end. I attempted the payments again on XX/XX/XXXX and again was notified that they failed. I contacted Affirm on XX/XX/XXXX to inquire about the issue. They kept telling me that payments were still processing as each time the payment failed I would attempt another one. They did not know why the payments were failing and told me to contact the bank. I told them numerous times that I had already done that and the problem was not on my end but rather on Affirms end. I called their customer service line and spoke to someone who stated they can open a ticket to see if it is something on their end. She did not state she HAD opened a ticket nor give me a ticket number, so whether or not this happened, I do not know. I have been sending them messages from XX/XX/XXXX through today XX/XX/XXXX and I am still getting nowhere with them. They keep telling me to check with my bank. Apparently they do not know how to read because I have stated several times that I had already checked with my bank and there is NO PROBLEM ON THEIR END. There is an issue with Affirm and I need them to figure out what it is so that I can pay on my loans that are now past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I contacted JP Morgan Chase Bank Card Services and negotiated a settlement for a balance owed. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to put a credit freeze on my account 3 times and Experian 's antiquated computer information sheet balks at social security numbers, email addresses, etc, then tells you to write them when they reject my information. 

Unless they are marketing to me, they take no responsibility in freezing my account and their software has more bugs than an ant farm. 

It's unbelievable that in this day of information breaches that I can not protect my information. 

They are grossly incompetent. In the time it would take to write them, mail it, and get any response my information could already be breached.

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 2017-03-04
Company: Avant Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Avant Financial on XX/XX/2017 and ask for a pay off of my loan, they gave me a pay off of XXXX if paid in full before XX/XX/XXXX. 

On XX/XX/XXXX I mail a cashier check in the full amount, they credit my account on XX/XX/XXXX. and still debit my account on XX/XX/XXXX. I notice the transaction and contacted Avant and spoken to the Supervisor name XXXX on XX/XX/2017. and explain the situation and ask them to refund my funds, they said they have to conduct an investigation which will take about 10 days. I demanded my refund immediately. They will not send my funds for two weeks, which put my account in a negative status. I paid this account in full as stated by them. I have documents from them giving me the full pay off. They made an unauthorized debit from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was told that I would get a loan at 3.875 % and that they could do it. I explained at first that i had a " XXXX '' agreement on my home and was told at first that it should n't be an issue. I did n't get any calls back from XXXX and had to call several times to talk to XXXX XXXX, but had to call his superior.. I had to call his boss XXXX XXXX, who I expressed my frustration with XXXX not returning my call, he said that XXXX would call me back to explain why they could n't do the loan. I never received a call. I then called his boss XXXX XXXX and he stated that they could n't do the loan. I asked for the guidelines and why, and received answers that did n't make sense to me. I asked to speak to his boss and he said that he was the director and there was no -one else above him that could make the decision to do the loan. This phone tag was over a period of 4 weeks. When XXXX told me he could do the loan at first, I gave him my credit card information and he sent me all the docs and application and asked me to immediately sigh them electronically, which I did. At that point i waited for a call or any information they needed, but received nothing? Thats when i called His boss XXXX, and he proceeded to tell me they cant do the loan because of the XXXX agreement on it. He said they had to follow guidelines and could n't do it. As far as I was concerned i signed a contract with XXXX to get he loan done, after i disclosed that i had a XXXX '' agreement and was told it would n't or shouldnt be an issue. I was told from XXXX that XXXX would call me back to better explain why they did n't want to do it. I never received that call. I was sent several loan rates from XXXX at first, which i agreed to the XXXX rate which we discussed as my best option and waited after the docs were singed for them to move forward with the loan. I have a good LTV and was looking for a XXXX refinance on my home that appraised at XXXX. Dosent the lender have to send you the reason or guidelines of why the refused to do the loan?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Jared the Galleria of Jewelry-continuos calls to employer after repeatedly requesting that they not contact me through my employer. Has contacted me XXXX6 times after requesting that the contact me on my cell. Pretending to be my clients in order to get me on the phone. Leaving voicemails on a publicly accessible phone at my company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not authorize to use my information or to be given to a third party. My personal info had been breached and was fraudulently used to process transactions and open an account under my name without my consent. I did not agree to any membership, loan or credit card. I never gave authority to open such account. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was originally with XXXX XXXX and had been recently bought out by Freedom Mortgage in XX/XX/XXXX. I have received nothing but horrible service from them so far and nothing has been accomplished since my initial request on XXXX/XXXX/15. On XXXX/XXXX/2015 - I emailed a request to remove my PMI to XXXXXXXXXXXX and attached a copy of an appraisal I paid for that is from an accredited appraiser. They told me I would receive a response from them within XXXX hours. I have received no such response. I called in on XX/XX/XXXX, they told me that it is under review and could take a month to process. I waited a month and called XX/XX/XXXX. I was told that they did not have a copy of my appraisal so they closed the case. All this time I have yet to receive any mail from them letting me know any of this information, this correspondance was from me having to call them to follow up. The representative I spoke to told me that she didnt know why they said they didnt have the apprasial when she could see it attached to the email, so she opened up the case for me again. I waited and still no correspondance, so I called again I believe it was on XXXX XXXX or XXXX. I spoke to a " XXXX '' she told me that she sent an an email requesting an update and she was to call me back on XXXX XXXX to give me an update. I had no such call back. I called again on XXXX XXXX and spoke to a XXXX, she would not give me her last name which i figured they did n't want to be responsible for any calls they take in. Anyway, I asked to speak to a XXXX at this point and was very frustrated that I have been given the run around. She send me to a voice mail box of XXXX XXXX, because apparently he told her he was too busy to take my call. I left him a detailed voice message and had no return call back from him. I called today XXXX XXXX to ask for update and to let them know I have yet to hear back from XXXX. Apparently I was not important enough to get a return call back. The Rep told me that she did see some notes on the system today from a team lead named XXXX requesting an approval to remove my PMI and that the turn around time was Wednesay XXXX XXXX. I asked to speak to another manager, she transferred me to XXXX ( not sure of spelling ) his employee ID # XXXX. He was the only one to give me his employee # and ask for him next time if i have any further questions but told me he would call me on Monday XX/XX/XXXX once he hears back from XXXX. 
My payments have always been on time, so I 'm in default, just trying to understand why it is taking so long to get this accomplished. This experience has been nothing but horrible and would n't want anyone else to go through this. Looking any help I can get to remove this PMI. 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Buckles & Buckles, P.L.C.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX, during a period of personal hardship, I had a credit card debt with XXXX XXXX that I had stopped paying on. The amount was approximately {$6300.00}. In the following years I received voicemails and mailed letters from the debt collector Buckles & Buckles trying to receive payment on the debt. They continued to add fees until they claimed the amount totaled {$19000.00}. In XX/XX/XXXX I received a notice that a court judgement, with no previous notification, was made against me and 25 % of my wages would be garnished. As of XX/XX/XXXX, {$7800.00} has been garnished from my wages. I have sought legal counsel and was told that this was an illegal judgement, and I was directed towards submitting a complaint with this bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX account showing in collection in XX/XX/XXXX, when the account was paid in full XXXX with a {$0.00} balance, nothing should have been reported since it was closed that month, this is false information, XXXX XXXX say they did n't report anything since XXXX and Experian will not remove this false 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 2022-03-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good day! I need to file a complaint to Paypal for limiting my account without any reason at all. I already submitted all my personal and private documents to them to help me resolve the account limitation issue but still they permanently banned my account which I do have substantial amount of money from their balance. I tried to withdraw my balance recently with all the necessary documents they ask but still they hold my money and refuse to let me withdraw my remaining money from my account. It is been affecting my every living since I have a lot of dues to pay and kids to feed on that money what paypal holds. I am not sure if they are mistaken me from someone else on my account but I'm sure they are. All I am asking is for them to let me have my money withdrawn from them and let them do their job properly. My XXXX account linked to Paypal is XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 I had used my spouse bank card ending in XXXX of {$160.00} with the conformation # XXXX I went online to pay the {$160.00} and it gave me a conformation # and when i check it again it had a balance of {$200.00} so when the XX/XX/2022 came I pay the other half of that {$200.00} with my card ending in XXXX along with the conformation # XXXX, and the only reason why I used my spouse bank card is because I had a bad cold and my purse was in the trunk of my car I been fussing with Westlake financial services about this for 3 and half weeks and they think I am lying about this which I am not because they did this to me the first time and I believe that this company is stealing people money because I seen the reviews and when I pay the {$160.00} they gave me an conformation number and I am on the phone with them now and they giving me the run around and trying to keep on lying about it and the customers are always right I have evidence stating that I pay of {$160.00} and the conformation # for that and the conformation # for the {$200.00} and they have me on hold and haven't came back to the phone yet I don't know if their doing fraud things on my account or some else.

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 2021-09-23
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ally has violated my consumer rights as well as the law. I wrote to Ally on XX/XX/21 in dispute of a debt they hold in my name. In Ally '' s written response to my request, they did not include a statement given my the right to Dispute the debt. But in turn stated that they have already reported this erroneous debt to the credit bureaus. Ally has deprived me my Consumer right to Dispute debt that does not belong to me as well as Defamed my Character by unjustly reporting this negative account under my name.

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 2022-03-25
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an income execution for a vacated court order, on a balance that was previously satisfied with the same collection agency XXXX years ago. 

I want this collection agency held accountable for violating my rights. As this company has attempted to collect a debt that they knowingly knew was not outstanding. 

It is documented on the letter head from the same exact collection agency XX/XX/XXXX. In the letter it is noted that the debt was satisfied and there would be no further collection action. 

XXXX years later this same collection agency initiated collection action by using their relationship with the XXXX XXXX XXXX XXXX to obtain an income execution on a judgement that was vacated. 

This situation has caused me undo XXXX XXXX and XXXX  ; XXXX XXXX  and most importantly XXXX. 

This collection agency tried to become a creditor on my bankruptcy that was filed in XXXX and they had to be told again, that the balance was satisfied. 

This collection agency has been and continue to be unscrupulous in its collection process and I am tired of fighting their never ending collection efforts. 

This has becoming a collections nightmare.

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 2022-08-27
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This issue started in XXXX or XX/XX/2022. I have had several vehicles through Ally, and they told me they would work with me after a Covid/School Shooting Layoff. I was offered a two month extension and it turns out the employee was speaking out of turn. I filed a complaint, and was reached out to by a representative from the Executive Relations Dept.. We played some phone tag, and she left a voicemail informing me they awarded the two month furlough until I was back in school. She said there was no reason to call back. Of course I did, and was not called back myself. 

I have not received a SINGLE phone call since XXXX or XXXX about delinquency. Each time I try to call I am disconnected or rerouted and never called back. Today the car was repossessed and I was charged {$2300.00} to have it returned. That was literally all of my school loan. I am so sick of being taken advantage of as a long time ( and never again ) customer. I need someone on my side, and would greatly appreciate working with someone who can help solve this. I am told the employee who confirmed that furlough is no longer with Ally. I will provide phone records if necessary.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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