BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-23
Company: General Motors Financial Company, Inc.
State: HI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a vehicle from a local Chevy dealer in XXXX, TX in XXXX XXXX. I turned in the vehicle ( XXXX Chevy Traverse ) in XXXX XXXX after having made all my monthly payments on-time via eletronic funds transfer and closing out the lease having paid it out in full with the vehicle returned with no damage. GM Finance told me upon turn in that the automatic electronic funds withdrawal for the monthly payment would end automatically and no further action was required by me. In contradiction to this, GM Financial continued to deduct the $ 500 monthly payment for the next two months for a total of {$1000.00} in overpayment. As soon as i noticed the problem ( on or about XXXX XXXX, XXXX ), i called GM Financial, requested they immediately deactivate autopay and refund the {$1000.00} to my account. The call center rep informed me it would be about 4 weeks of processing time before I would receive the check. When in XX/XX/XXXX I had still not received a check, I called GM Financial to check on status. They then told me they were still in the process of verifying the vehicle status and it would be another XXXX weeks before they determined disposition. I called again in two weeks and was told they acknowledged the overpayment and would be mailing a check to me in about two weeks. Not having received a check by XX/XX/XXXX, I called again on or about XXXX XXXX. At this point I asked to speak with a supervisor who told me the check was being processed and would be mailed on XXXX XXXX via registered mail. I called again on XXXX XXXX not having received the check. GM Financial told me their system reported the check was cashed on XXXX XXXX, a check that i have never received. This fact should be readily in evidence at GM financial by checking their records to see who and where the check was cashed. The supervisor told me they would expedite resolution and keep me informed. I 've now called back three more times on XXXX XXXX and XXXX XXXX and no supervisor has provided any information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: General Motors Financial Company, Inc.
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The group represented a collection agency ( of the auto finance company ). Debt was settled, I did not receive a letter indicating the debt was paid, and the original creditor indicates they have not received payment 2 months since the check cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: National Collection Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I attended classes at XXXX during the fall of 2014. I had asked to be dropped from my online classes due to issues with the courses. I am now being contacted by National Credit Management with threatening calls for a XXXX debt they say I owe. I have asked for verification of the debt 3 times to mailed to me and have not received it. They have left threatening messages and hang up on me when they call. They are threatening my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-12
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Original creditor XXXX was paid by XXXX for services rendered as a result of on the job injury onXX/XX/XXXX. All attempts to contact creditor or collection agency, Credit Bureau Service, have gone unanswered. XXXX records show that debt was paid in XX/XX/XXXX yet report of debt is being charged to my credit report and is still being shown as a derogatory remark against me after numerous attempts to have this error corrected. Individual credit is far too important to allow reports that are inaccurate to remain on individual reports until accuracy and periodic review for fraud by those who report can be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: High Point Asset Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am continuously contacted and also at my mothers phone in regards to some type of loan I took out on XXXX/XXXX/2011 onine and never paid. 

The collection agency High Point Asset, knew a great deal about me, down to my bank, however I never heard of this loan company XXXX XXXX XXXX, and never took out a loan. Then even knew my bank, I went back to my statements to confirm this, and I have not received in a direct deposits on a loan from this company. I explained, to them if that 's the case, why did n't they collect ... I do n't have any stop pays on my account back then, to stop them from collecting money owed ... I told them to prove to me, that i took this loan, because I did not ... they sent a letter in the mail and continue to call from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Platinum Holdings Group, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I owe a debt for a watch I bought on credit. When the company contacted me, I authorized them to speak to my wife as they kept calling me at work. Even after my wife began contacting them, they continued harassing my sister. My wife requested in writing for them to cease phone contact and to contact us via email or US mail. They have continued to ignore that request. My wife put together a proposed repayment plan, which they accepted and then attempted to verbally change via the phone by speaking over her and acting in a confusing manner, so my wife politely ended the call and contacted them via voicemail and email to again request all orrespondence be done in writing, and for them to send the agreed upon arrangement in writing so that we have a record of what we agreed to. We have not received that. Today my wife again emailed and asked for this, and reminded them to not call, and XXXX minutes later they called anyway. We have NOT received the payment agreement that they agreed to in writing at all and they continue to ignore our requests for it and continue calling and trying to bully her into giving them our bank account information over the phone. We want to pay off this debt, but I want the agreement IN WRITING so they can not come back later and say we didnt follow the agreement, and I certainly do not want my bank information given to someone who is refusing to give us the agreement in writing, I do not trust them with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had several overdraft fees accumulated over the last XXXX  years of using Wells Fargo banking. I have notified them several times when there was money in my account and they have refused to fix it.

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 2016-05-14
Company: Auto Trakk, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I recently " purchased '' a car with a {$12000.00} sticker price. Under the guise that this was a financed loan. After all the paperwork was finalized, the final cost of the vehicle became {$35000.00} and this was a lease, not financing. So after 5 years of paying for the vehicle, I then would have to return the vehicle and also pay any depreciation cost. Also, if I return before the lease term is up, I 'm still liable for the cost of the vehicle. Or if I return the vehicle and stop paying for it, this would severely damage my credit. The name of the company who does the " financing '' is Autotrakk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
log into my account noticed money running low started looking at transactions noticed that XXXX was taking money out of my account, called the Bank of America told them I don't know of XXXX and never heard of them. I thought at first there was only a couple of transactions, Bank of America customer support told me there were more transactions made to XXXX, he told me first transaction happened XXXX XXXX, 2020 for the amount of {$34.00}, the ones I noticed was on the Month of XXXX for the amount of {$930.00}, when I logged into my account on XX/XX/XXXX. Total taken from me {$4400.00}. So Bank of America closed my debit card and and sent me a new one, I filed a claim and I asked them to cancel last transaction from XXXX, and for some reason they would not, transaction was still on pending process, anyway I filed police report with XXXX XXXX XXXX. officers name was XXXX XXXX XXXX # XXXX / police report case # XXXX, Bank of America is not accepting the police report claim, I disputed the claim 3 times, and yesterday Bank of America told me they will not be reopening the dispute, the reason they denied my claim is cause the 1st transaction was over 30 days and I did not stop it, but I keep on telling them I did not notice it until XXXX, also it seems bank have not been in contact with XXXX to see who ended up with the money, my bank statements just tell me XXXX received the money. I also tried getting information from XXXX, but they could not give any info due to there privacy policy, ( I do not have XXXX account XXXX I got lots of email from them they got 2 request # for some reason so I will give you guys both ( XXXX XXXX & XXXX XXXX ), XXXX XXXX from XXXX is telling Bank of America and or XXXX to contact XXXX at XXXX I do not believe either one of them has, Please help me, not sure what else I can due

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 2015-11-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have fraudulent items on my credit report. I have inquires that I did not apply for as well as names and addresses that do not belong to me.I am a victim of Identity Theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: Heritage Financial Group, Inc.
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from Heritage Acceptance Corporation for XXXX. I was having a lot of problems with it so it gave it back to them and decided not to keep it. 
Heritage Accept. reported that I did give it right back to them, However, they immediately sold the vehicle for more than what I owe. Now they are reporting on my credit that I owe them XXXX. They also filed a XXXX in the amount of XXXX. That is not accurate. This is fraud. Now that make me have XXXX. 
unreported income. This is not right. Please help me with this matter of unjust fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was sold in a property foreclosure sale XX/XX/2017, I took legal action against XXXX Nationstar Mortgage aka Mr. Cooper for wrongful foreclosure though XXXX XXXX Circuit Court . A agreed order was enter with the court, the foreclosure for my home was rescinded. I have been making my mortgage payments to my mortgage company. I haven't received mortgage statements since the deed for my home was rescinded. I call Mr. Cooper to inquire on my mortgage several times, Customer Service informs me they can't speak with me. The reinstatement of the deed and note for my home has not been recorded with XXXX XXXX register office, Mr. Cooper has not applied my mortgage payments to the note I remit monthly. I have canceled checks reflecting my mortgage payments since I signed the agreed court order with Circuit Court. My escrow account is being assessed incorrectly, the mortgage company has included city taxes in my escrow, I don't pay city taxes. I want my escrow account to be reanalyzed and corrected. Mr. Cooper is reporting incorrect delinquent payments for my home. XXXX is also report delinquent mortgage and a foreclosure and a open balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: MS
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2015-11-22
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Experian numerous requests to investigate, verify and remove accounts from my credit report and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TIDEWATER FINANCE COMPANY, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I purchased furniture last year and was approved for a loan through XXXX XXXX XXXX. It was marketed as a one year interest free transaction. After the year ended they went back and charged me interest for the entire year that was marketed as a " no interest period ''. They charged me on a balance I have already paid. I feel that this has violated my rights. I still have the marketing material AND the TIL Disclosure that was given to me and NO WHERE on it did it say I would be charged interest for the entire year that I have already paid. I feel mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, 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 non-monetary relief
Consumer complaint received 2015-08-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I missed XXXX payment on a mortgage I had been paying on time for XXXX years. When paying my next payment it was applied to the previous month, no notification either time as if they were waiting to set me up to foreclose on the property. Only found out by accident when calling another lender to refinance, to this day Chase has yet to notify me or take any blame for any wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today XX/XX/2021 I received a call from what looked like a local number but apparently was a spoofed number to looked local to get me to answer it. I asked who it was and she said her name is XXXX XXXX from national credit adjusters. If they are a legitimate company it strikes me as odd that they are spoofing theyre real numbers and making it look like theyre calling from the XXXX county sheriffs department or a city of XXXX employee number just to get people to answer the phone. She asked for all of my personal information such as date of birth and Social Security number. I advised her I was not comfortable giving my information over the phone to a fake number and politely asked if she would send me any documents she wanted to discuss by mail and to no longer contact me by phone. She proceeded to start yelling demanding I give her a what she said was a new mailing address because she didnt have one on file for me and wanted my Social Security number. I again politely advised her I would not be confirming or giving any details over the phone and to please send me information by mail and no longer contact me by phone. She began to yell again get extremely rude use foul language and call me out of my name rudely. I then hung up the phone. I dont know who this company is, I dont have any business with them and I will certainly not be providing any of my personal details to a company who doesnt even use a real phone number when they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Genesis Lending
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In 2011 I register to XXXX XXXX in XXXX Michigan, I was told when I was in school and pay the monthly amount of around XXXX $ that my payment will be lower after I graduated. I graduated and after 6 months someone from XXXX XXXX called me and request that my monthly payment would be XXXX {$.00} I never got a job with what I graduated for and hardly making the payment of my loan.I tried putting my federal loan in deferment for two years now. I do n't want my credit to be damage. I 'm just hopeless.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Credit Corp Solutions Inc.
State: MA
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:
Credit Corp Solutions has broken numerous state and federal laws in attempt to collect a debt. 
First - I am a Massachusetts resident. Credit Corp is NOT licensed to collect a debt on a Massachusetts resident. 
Second - I have sent two requests for validation of debt ( XX/XX/2019 and XX/XX/2019 ). Under federal law they had 30 days from the date of receipt to provide validation. They failed to reply whatsoever within the federally mandated time frame. 
Third - In XX/XX/2019 I sent a 93A Demand notice informing them of their failure to obtain licensing, illegal reporting ( listing their own name on a MA consumer credit report in violation of 209 CMR 18.17 : Unfair Practices ( 11 ) and 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices ( 15 ) and ( 21 ) ) and failure to provide validation of their claim. They ignored this notice, no reply or correspondence has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Figure Technologies, Inc
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received prequalification letter in mail. Applied for a HELOC. Received adverse action notice on XX/XX/18 ( denied due to collateral value ). 

Figure never sent a copy of the XXXX or other valuation used to value the property as required by Reg B. Its been more than 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I contacted you on XXXX XXXX, 2012 about the money removed from my Chase Account. I have made many attempts to get my money returned. All of my attempts have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: DISCOVER BANK
State: VA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated a wire transfer on XXXX/XXXX/15 through discover bank. I did not receive a receipt for this wire transfer upon payment, and after calling and requesting a receipt, I was told it would take a few business days for them to mail me a receipt, which is in direct violation of terms set forth for a wire by cfbp. The wire has still yet to be received by the recipient, nor has it been refunded to my account. I would like the wire to either be completed or refunded.

Company response to consumer: Closed with monetary relief