BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have written this company at least 10-12 times in the past two years inquiring about the status of account # XXXX. I also disputed the accuracy of this account through the XXXX major credit reporting agencies. The bureau responded every single time ( 14X ) stating that Nissan stated they are reporting accurately. However, they are lying because the amount they stated that I owe is not correct and nor is the date of status ( my last activity ) on the account accurate. They never notified me that they sold the truck nor the amount that they sold it for. The amount I owe should be less whatever they sold the truck for. This should be the amount that 's reported on my credit file. I have contacted this company via the credit reporting agency asking for a debt validation regarding this account # XXXX. However, I have n't received a response. They still manage to keep reporting it on my credit profile every month even though they have not validated the debt. At this time, I am asking this company officially to validate this debt by sending me a copy of the contract which contractually binds me to pay the debt as being reported on my credit file. In addition, you should take note that re-aging this account is illegal. The FCRA Compliance Date is the official beginning of first date of delinquency which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time I FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. Re-aging a delinquent account is a serious violation of the FCRA. An original creditor or a debt collector may engage in illegal re-aging on the same charged-off account. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. If this request is not met in approximately fifteen working days, I will have no choice but to contact a consumer attorney in hopes to resolve this issue. I have tried for months to be civil in hopes of reaching a mutual resolution, but to no avail. The company has chosen to practice illegal and unethical tactics in an attempt to get me to pay a debt that does n't belong to me. Please govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I saw a transaction called Debt protection for {$73.00} on my best buy credit card, which I have n't authorized the transaction. Best Buy team, is not willing to take the dispute and help me with the dispute, XXXX from escalation XXXX, doesnot want give any more detail as they are scared for the fraud.

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 2015-06-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on Experian and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: General Motors Financial Company, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid my car loan off in XXXX of last year ( 2015 ) and I still have not received the title from GM Financial. That 's over 6 months. I paid XXXX payments on a 60 month loan and I feel I should have the title by now. I have received no communication from GM Financial about the loan since I paid it off. 
There was an issue with the XXXX payment. A couple of months after I sent the last payment to GM Financial I got a call from a nasty little girl telling me that my account was 81 days past due. Since I had made more payments than the loan called for and all of them had been made on time I believed her to be a scammer trying to steal money from me. I told her as much. She continued to attempt to get me to give her money but after talking for a few minutes she then changed her story and admitted to receiving the payment but lied and said the check had bounced. 
To make a long story short, the young woman had no suggestions as to how to rectify the situation except for me to give her money. All she offered to do was send me a list of payments. I already know every payment made to GM Financial so that was of no assistance. 
I came up with my own solution since the big bad poorly run financial services institution was incompetent and unable to run its business. I first checked with my bank to see what the story was with the check. They confirmed what I knew to be true, that the check had not bounced or otherwise been rejected for any reason. They did, however, tell me that the check had never even been presented for payment. 
My next step was to send a replacement check along with a letter explaining the situation. I took the steps to do this, on my own time and at expense to me personally. GM Financial actually rejected the delivery! So, once again, at the expense of my own money and a great deal of time I found another address for GM Financial and resent the letter and the check to the new address. This time the letter was accepted and the new check was cashed. 
I also received a letter from GM Financial indicating they received my inquiry and that they would look into it and get back to me. That was several months ago and I have received no communication from GM Financial since. 
I did check my credit report and it indicates that I made XXXX payments late, which is untrue, and that I still owe {$45.00}, which is also untrue. 
I need GM Financial to fix the mis-reporting to credit bureaus and to provide me with my title. At this point I also feel I should receive some damages for my out of pocket expenses and the injury to me personally and reputationally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: High Point Asset Inc
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On Monday, XX/XX/XXXX I received numerous robotic voicemails on my cellphone, place of employment and residence from a company called High Point Asset Inc. located in XXXX, NY. I received another robotic call from this company today, Tuesday, XXXX XXXX this time I called them back. I spoke with a gentleman who identified himself a XXXX XXXX he alleged that I owed a payday loan from XX/XX/XXXX. I explained to XXXX XXXX that I never took a payday loan for that amount. I told him that if I continued to receive these calls I would report him to the AG 's office for the State of Maryland, I suspected that High Point Asset is not licensed in Maryland or the District of Columbia and he his response was " Yes we are. '' When I asked him to provide me with the business license number he said he would have to transfer me to the business " owner '' XXXX XXXX. 

He then transferred me to a XXXX XXXX who identified himself as the " Manager '' of High Point Asset Inc. 

Once again, I explained to XXXX XXXX that the payday loan debit that they were alleging I owed was not mine. I then asked XXXX XXXX what was the name of the company that he was collecting the debt for he stated XXXX. He said the file was transferred to him. I explained to him that I had never heard of XXXX. Just as I had XXXX XXXX, I asked XXXX XXXX for the business license in order to confirmed that they were licensed to operate in the XXXX and Maryland and his response to me was " I do n't have it on me. '' Really? Then I asked for an address in which that I could send a Cease & Desist letter and not a p.o. box number. At which time he stated that a Cease & Desist was placed on my phone numbers at XXXX something that morning. But refused to give me anything other than a p.o. box. 

I informed him that a Cease & Desist had to be in writing. I also informed XXXX XXXX that I was going to file a complaint with CFPB and with the FTC. He his response was " And I will respond to the complaint by saying we already did a cease and desist on your number. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: General Motors Financial Company, Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, XXXX, My truck XXXX XXXX XXXX XXXX XXXX was wrongfully repossessed by GM Financial. I was in a Chapter XXXX bankruptcy and I entered into an agreement with GM Financial which stated on page XXXX ( please see attachment ) of the court order if I am past due XXXX payments, GM Financial is to send me a correspondence giving me 14 days to cure the default or the vehicle would be repossessed. I received a call from GM Financial on Saturday XXXX XXXX, XXXX but since I was at a church event, I could not answer the call nor did the person leave a voicemail. I never received notification from GM Financial stating the payment was past due. I received notification the day the truck was repossessed from the court stating there was a motion to repossess to truck. The truck was already gone by the time I received this letter. Since this incident, I filed a lawsuit against GM Financial. During the last court date on XXXX XXXX, XXXX, the judge dismissed the case stating it was out of his jurisdiction because the court order was from Bankruptcy court and I would need to handle matters there. GM Financial 's attorney, XXXX? ( Her last name was not visible on the court order ) immediately started lying to the judge before he dismissed the case. She was also irate and confrontational because I decided to file a lawsuit in XXXX, almost 6 months after the repossession. She lied about the truck being sold by GM Financial after my bankruptcy was dismissed. The truth is I never received I never received notification from GM Financial about a past due payment prior to the repossession as agreed in the approved court order, the truck was sold on XXXX/XXXX/XXXX, and my bankruptcy was dismissed on XXXX XXXX, XXXX. I was n't clear if she was trying to say there was a statute of limitations in regards to a case such as this but GM Financial was wrong and took advantage of my situation. On the day the truck was repossessed I called GM Financial and spoke with several representatives who confirmed no letter was sent advising of the past due payment. Also, I planned to pay on that day because I was paid on that day but decided to leave GM Financial and not do business with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XXXX XXXX, 2014, XXXX XXXX XXXX, with Kinum, Inc., called me, he was abusive. He yelled, suggested I turn off a cell phone and get rid of it to pay the debt. I explained I did not own the phone, then XXXX XXXX hung up on me. 

XXXX XXXX did not use any foul language, but I spoke with the Chief Compliance XXXX XXXX XXXX the same day and filed a complaint. However, instead of taking any interest in the conduct of XXXX XXXX, the conversation quickly turned back to the debt. More then a year later I have not heard the result of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
In XXXX 2015 we agreed to a vehicle lease with Nissan Motor Corp ( dealership in XXXX XXXX CO ), and were told we would have to pay {$400.00} for tires on the vehicle that we turned in due to its lease ending. This was a key part of the deal and primary reason for agreeing to the new lease terms. After closing, we received a bill for {$700.00} for various charges not related to tires. Essentially they told us a lie to close us, then just billed us for whatever they wanted. We did speak with the dealership and they sent us a check for {$300.00} so we would only be liable for the {$400.00} originally agreed upon. 

The problem is that before this reimbursement was made, the dealership sent the {$700.00} bill to a collection agency, thus causing a negative impact on our credit. My wife XXXX XXXX is the primary and I am the co-signer and this is obviously impacting XXXX our credit scores, and all because of a lie in order to close a deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: HANCOCK WHITNEY BANK
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My lot loan with peoples first was transferred to hancock in XXXX when the FDIC closed peoples. The loan was a XXXX yr balloon that hancock was not willing to extent or refinance. The loans was paid timely until maturity. i was unable to refinance with another lender due to the value of the property and the state of mortgage lending in general. It took hancock over 90 days to settle the loan and they agreed to accept less than the outstanding balance. although i continued making payments, this caused the loan to appear 90 days late due to the balloon feature. 

Below is a partial letter I 've sent to Hancock bank asking them to correct their reporting ... 

Hancock Bank Research Department Fax : XXXX, XXXX pages XXXX XXXX, XXXX To whom it may concern ; Please research and correct the CBR reporting for the lot loan on a property located at XXXX with a loan number XXXX This loan was purged from your active system in XXXX. 
This single lot loan shows on my credit report XXXX separate times, as a mortgage, a home improvement loan, and a trade line of unknown type. It also shows as XXXX separate items with 90 day lates, representing XXXX adverse trade lines. I 'm enclosing my entire credit report dated XXXX/XXXX/XXXX for your review. 
Also attached is an email I sent to XXXX XXXX in XXXX of XXXX documenting my conversations with him. I was assured by him that Hancock would resolve this issue in an expedited manner. 
Lastly, I 've added the Settlement of Debt Notification Letter dated XXXX XXXX, XXXX. 

Please contact me via email at XXXX or cell phone at XXXX as soon as possible. 

RespectfullyXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Rocket Mortgage, LLC
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Is Quicken Loans a Fiduciary or is their advertising False or Misleading. 

A Quicken Loan advertisement running on many podcasts states, " A company that has your best interests in mind. XXXX Mortgage.. '' I believe the plain meaning of these words that a reasonable person understands is that having " Your best interests in mind '' means Quicken Loans will do what is best and right for you, the customer or borrower. It means Quicken Loans will do what 's right for you, even if not necessarily best for them. They want you to believe they will act in your, the borrower 's best interest ... that is with a Fiduciary interest. This on its face seems false. The lender wants a high interest rate, the borrower wants a low interest rate. If they are not a Fiduciary with " your best interests in mind '', then Quicken loans is misleading. 

This ad was on the XXXX XXXX of XXXX XXXX, 2017 in the first few minutes. 
XXXX. Also I heard it on the XXXX out this cool episode : XXXX. I continue to hear Quicken loan ad including today on the Economist podcast. 

I have called Corporate Offices at Quicken Loans and asked about this ad I have not received a reply. 

I would appreciate appropriate actions to end Quicken Loans apparent false or misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello my name is XXXX, I am purchasing a home that has a reverse mortgage and is a short sale. The short sale lender is refusing to pay the past due property taxes. After doing some research, I came across a master servicing agreement that states ; its the servicers responsibility to pay the property taxes. So why am I being forced to pay a fee that is the servicer responsibility as per this agreement. They are forcing this additional cost, which may cause me to have to come up with an additional {$4300.00}. Also, since they owned the home prior to me closing, should they not provide me a credit proration on my CD from XX/XX/XXXX till the day of closing, and how would this work if I 'm being force to pay such fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After years of being harassed and bullied for not being able to pay what they demanded, I was finally enrolled in a 'program ' that halved my payments XX/XX/XXXX. XX/XX/XXXX, I was on workers comp, and still made the effort to pay when they called me relentlessly to make a payment. I found out through XXXX different 'representatives ' that the 'program ' I had been enrolled in had expired and the six previous payments I had made went to my federal loans. I requested the six payments to be payed to the private loans since they were demanding a large sum of money to be paid at once that I did not have. It was the next phone call I received that I was informed the six payments were reduced to three because the program had expired. There was no offer of another program to be enrolled in and so federal loans were sent to a collections agency who is currently garnishing my wages and is n't allowing me to make payments to my private loans. I can not possibly pay both private and federal with what little I make and still pay my bills, etc. I have spent twelve years reasoning with salliemae/XXXX and now I can no longer face another demeaning, round a bout, phone conversation. They do not help those of us trying to make payments, they have only bullied, harassed, and hindered my progress. I am made to feel ashamed by every representative I have spoken with. XXXX I dwell on what enormity this situation has blown into and I can not see a way free or at least through. Despite their efforts, I have finally received my XXXX and am trying desperately to complete what is necessary for my resume/XXXX to get higher paying jobs that I schooled for so I can pay them off for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Someone named XXXX XXXX Diaz and Associates have contacted multiple people within my family telling them that I need to call them back because I missed several payments and need to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XX/XX/XXXX I have send a letter regarding this account. Under the Fair Credit Reporting Act, you must Change the status of the loan modification accounts. 

This account was a loan modification that was done XX/XX/XXXX not in XX/XX/XXXX and it was close in XX/XX/XXXX not in XX/XX/XXXX. For that reason this XXXX account should be remove from my credit report. A loan modification does not take 9 years to process. 

You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the 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 2015-08-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am claiming that SPS, " select portfolio servicing '' is purposefully holding up the process of the short sale on my rental property. They have drug their feet on XXXX offers and have sent me several letters that I do not qualify when in fact they have received every document they have requested and many times duplicates had to be sent because of them saying that the documents were lost. This process has been dragging on for 5 long, grueling months with a tenant who also has no idea what is going on or a reasonable time frame in order for her to move and find another home. They have sent me threatening letters and gave me incorrect information on several occasions about the processing times. They just recently told me I could n't access my own property/loan information. Because they had the wrong zip code in for my property and because I could not verify the zip code ( because it was in their system wrong ) I was not able to get an update of my short sale. This company is a crooked, useless group, which bought out my loan with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation