BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-27
Company: FRIC HOLDING CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was notified by the payroll dept that my wages were going to be garnished regarding a filed judgement. After contacting the representative of the creditor, we agreed on a lump sum plus monthly payments. I never knew that I had a court date for this matter, so I asked for all documentation. He could not supply me with that, and advised me to get that from the court. However, I also asked to receive written notification of our agreement, as well as written monthly statements showing payments and current balances. The legal clerk said that that could not be provided, although if I paid over the phone by electronic check I could get balances each time. I was also not notified of the date of the last payment on the card, which was approximately in 2005. I am now aware of statute of limitations in collection matters. As a debtor, I have rights as well, and I believe that I am entitled to receive the written documents that I have requested. I was a XXXX for 12 years, and did the XXXX for my department. XXXX. If I am paying this large amount of money, I would like to see monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX {$310.00} PAID Wont remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My divorce was final in XXXX of 2021. My ex-wife who was awarded this house took a forbearance without my knowledge. I am the primary signature on the loan with my ex-wife being the secondary. I got phone notifications from Rocket Mortgage that I needed to contact them but when I called they would tell me that everything was fine. Once the forbearance passed the 120-day mark my credit was severely affected. I contacted Rocket Mortgage and they then informed me of the forbearance. They informed me that the decision to get a forbearance only needed to be communicated to them by one person on the loan and my signature was not needed to make the adjustment. So now because of an adjustment made to the loan without my approval, my credit score has tanked and made it so the home can not be refinanced, they want me to participate in documentation to get the loan on track but signing accepts that I was a part of the decision. On top of it all, I am experiencing financial issues related to my horrible credit score. I have supplied the document showing the general judgment of dissolution of marriage and details that the home was to be sold if not refinanced in 90 days. I understand that technically we are both on the loan but they allowed the change to happen without my consent which then negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld System Inc. is continuing to try to collect a debt my insurance company and myself have paid. I sent them the receipts of payment, and they send more letters saying I have not argued the debt so it is valid. I can not use their online system as they have not sent an access code. The debt is invalid and they keep mailing letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: ASTA FUNDING INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX garnished 25 % of my bi-weekly paycheck. Starting XXXX, totaling {$1500.00} They were represented by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never informed of intent to garnish the debt by the agency. I was informed of the garnishment by my job 's payroll department a week before the first disbursement. Copies of court papers and all other documents were furnished to me after the garnishment started. The agency delivered court papers to my old address unbeknown to me. When I did not respond to the courts due to no knowledge of the case, they were awarded the garnishment. I contacted the collection agency by phone to dispute the debt in XXXX of XXXX the lady on the phone said it was for a credit card with XXXX Bank back in 2007. I told her I never own that card or knew anything of it. She state the garnishment will be placed on hold pending further investigation. This did not happen, they continued the collection. After that I made numerous phone calls to their office in XXXX over a period of time, each time I was placed on extended hold time. Eventually the calls would be dropped. Finally when I got someone to talk with, I was told the person handling my case does not discuss ongoing cases. I continued to call only for each person being deceptive. They used the courts in a deceptive manner to garnish my wages.

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 2022-02-24
Company: EQUIFAX, INC.
State: TN
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 keeps changing my payment history. At first it was only one 30 day late from XX/XX/ 2020. I disputed it and it came back as accurate which isnt true. So I contacted their customer service and was told I wasnt late and they would correct it. Well today I was notified of 2 60 day lates from XXXX 2020. At this point I want the account removed from my credit report, because they are updating my credit report with inaccurate information, causing my credit score to decline on a paid loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX on XXXX/XXXX/2016 at XXXX which in that motion the Plaintiff submitted XXXX assignments of mortgage which XXXX of those assignments is a fraudulent assignment. 
Penny Mac do not have legal capacity, legal authority, legal standing and legal rights. In the motion on XXXX XXXX ,2016 the motion was denied by the court. 
The financial institutions there is not in title too collect the debt. This institution is of inviolatation of the FCRA/FDPCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Roadloans.com put a hard inquiry on my credit without authorization. I called and spoke with XXXX who told me that he did n't know where it came from, but they could n't remove it. There is no possible way I authorized this through them or anyone else for any kind of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a coupon in the mail for a {$300.00} bonus upon opening a Chase Checking account. In California, my banker opened an account for me in early XXXX, but since I did not have the coupon on me at the time, he said that he had applied it from his own coupon book. 

A month later, after my direct deposit went through ( one of the requisites for the bonus ) and waiting for number of days that the fine print says for processing, I did not receive the bonus. After multiple trips to the banks and calls, Chase Bank insists that since I past 20 days from the account opening the coupon is unable to be retroactively applied. 

I was advertised a product, promised that the coupon was applied ( which I made clear was the reason I was incentivized to open this account in the first place ), and did not receive this bonus. 

Chase Bank suggests closing my account for 90 days and then reopening it, but this will be a hit on my credit and is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
Loan officer at Citizen 's Bank in XXXX, XXXX issued a hard inquiry to all three credit bureaus in my name for a home equity loan for a customer with a similar name on XX/XX/2022, causing my credit rating to drop XXXX points. When I contacted XXXX to report fraud, they answered that it was correct and that it would stay on my credit report for two years. I contacted XXXX by phone and was told that I needed to file a complaint with your office and the police department and send copies of the complaints to them in XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted PennyMac USA to refinance a VA mortgage under the pretense of having a lower payment due to a reduced interest rate and a longer term. My loan amount was reduced but the increased my escrow over {$200.00} more per month for no reason. Now my payment is more than was quoted. I was duped into signing the contract by the loan agent threatening that I would not get the mortgage if I did n't sign. I want my payment reduced. I have filed complaints with the XXXX, Pa. Dept of banking and this deparmtent and have had no success getting a result. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: AL
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 have sent three letters challenging the accuracy of this account one on XX/XX/XXXXXXXX  and the other on XX/XX/XXXX and one on XX/XX/XXXXXXXX  and yet still no response. Both XXXX  and XXXX  deleted this alleged account because of many inaccuracies. The data furnisher also failed to validate this account, yet somehow Equifax has still managed to verify. They violate my rights under the FCRA by doing the following : Violation 1 : They failed to place this account as in dispute status Violation 2 : They failed to provide to the person who provided the information in dispute all relevant information regarding the dispute Violation 3 : Failure to provide complete and accurate information I have provided provided a screenshot image to proof of how Equifax has been misreporting this account. In XXXX of XXXX they have me as being on time which is then immediately followed by two 120 day late payments in XX/XX/XXXX an XX/XX/XXXX. If it was reported correctly shouldn't it say 30 days and 60 days late for those account payments? 

I also include a copy of my last letter sent on XX/XX/XXXX to Equifax Number :XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: WSFS FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to my WSFS Visa card via electronic transfer from my WSFS checking account on XX/XX/XXXX. Typically, it takes them 3 days to clear, so I waited before contacting them. When I did contact them, they stated that they only apply payments at the end of the month, but that I could call the XXXX number on the card if I need it processed sooner. 

On XX/XX/XXXX, I called the number on the card. After spending XXXX minutes on hold while the customer service rep investigated, he determined that he could not do anything about it. So, I am now 11 days in on making a payment from my WSFS checking account ot my WSFS credit card and they still have not been able to apply the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Law Office of Rory W. Clark, APLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Sunday night the XXXX of XXXX when the process server asked for me at my apt., upon my flatmate XXXX XXXX refusal of acceptance the process server said " XXXX is being sued by XXXX XXXX XXXX '' and the process server dropped the stapled summons ( no envelope ) face up flat on the doormat. 

AGAIN : Improper contact and sharing of info. My flatmate was advised of the content by the process server and had opportunity to read it. XXXX now is concerned I can not pay the rent and is planning to move out into a more stable living arrangement depriving me of needed income. This is a tort of economic interference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
i really dont know where to start but im not really happy with my mortgage financial company i have been with hsbc for 14 years and this last 2 years has gotten crazy i had problems with them since day one but this is getting very stress for me, so here i begain XX/XX/XXXX i paid my house payments and XX/XX/XXXX i went on vacation and my husband XXXX had called me and told me that hsbc called and said that i hadnt made any house payments since XX/XX/XXXX so i proceeded to call them and they said no they didnt say that and so i got it straighten out and thought we were doing ok for year XXXX XXXX at the beginning of the year i recieve my bill in the mail like my first statement for XXXX so then a few weeks later i got a bill for XXXX i proceeded to pay it then i thought very thing was ok no phone calles no lettters until XX/XX/XXXX XXXX i started getting foreclosure notices and i called and they said we were behind 6 month of payments and i told they needed recheck the records and so i didnt want to fight with them i cried and had to tell XXXX and so i agreed to pay a payment of XXXX and they also said i wasnt making the full payemn of XXXX i never reicieve a notice i was going to refiance and ran into errors they hsbc hadnt put it on our credit for 1 year i called and asked why and they told me that they havent done it for a year so i had got an email from XXXX and and i called and they put it back on my credit and they insisted that i was 3 months behind i paid the XXXX and i asked when it was going to going to be posted and they told me that day and as of today XX/XX/XXXX, its not been posted and i have to do a phone conference with XXXX on XX/XX/XXXX so she can do a defered payment and she asked when i would make the XX/XX/XXXX payment i told her on jauary XXXX and im calling that payment so i can get a reference number this has cause me so much stress i had to put a hold on paying other bills, and the broker called me and told me he couldnt refieance me for another year and with them hsbc changing my payment date from the XXXX of the month to the XXXX of the month is going to show me late and they have showed on my credit from day one that i was always late because they would hold the payment for 2 or 3 weeks they are a really hard fianacial company to work with im XXXX and want to refiance but they are ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Clear Debt Solutions, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CDR called my place of employment at the phone # listed above on XXXX/XXXX/2015. Told them not to call me at work. CDR called again on XXXX/XXXX/2015. On XXXX/XXXX/2015 they were told once again that they were not to call at my place of employment. They called again today XXXX/XXXX/2015 and when they were told that they were not to call at work, they hung up the phone without saying anything. I have phone records showing the incoming and outgoing phone calls. They have been told 3 times now not to call at work and they continue to call and are now hanging up when the phone is answered. I am attaching a copy of the phone record showing their calls and the return calls to them telling them not to call work and to send something in writing. Today 's call will not show because I answered it and they hung up on me. The other calls they left voicemail on my work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collector name is Diversified Consultants Inc and it stated that is is originally from XXXX. I paid in full before requesting disconnection since we are switching to new company and the amount they attempt to collect is bill statement after disconnection. I called XXXX several times and the main office confirmed that I have no balance to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
The issuing company, USAA, phoned me and told me the XXXX credit cards I had with them had been compromised & that they would have to issue new ones. OK, an inconvenience but not a problem. I have been a customer of USAA for 54 years. I asked if they could expedite shipment of at least XXXX of the cards since I do use them ( or have been able to use them 'til now ). They said OK, & in a couple of days ( after I had destroyed the old cards as directed ) XXXX new card arrived at my house. I followed instructions to activate it and the voice mail then told me it was ready to use. I later tried to make some small online purchases ( USAA has a record of them! ) with the new card and USAA bank refused to honor it ; the purchase was declined. I called USAA several times, talked to several of their stooges there, all of whom assured that the card was NOW correctly activated, bur when I try to use it the order was declined. I was finally able to place a small order using a credit card from another bank with no problem. In addition the second card that USAA was supposed to send me was returned to them by XXXX. USAA refused to tell me why. I am so far ahead on payments to both USAA credit cards that the minimum payment most of the time is XXXX, so I 'm not behind. I have USAA tracking numbers to prove it. Either their software is screwed up or, since I 'm an old guy, they 'd like to get rid of me after I 've given them 54 years of business, or their war hero CEO who does n't have the guts to put a street address instead of a PO box anywhere that I can find on the USAA website, so that I can mail him a personal, certified, return receipt requested, deliver to addressee only letter, has now hired XXXX, XXXX and XXXX for agents. I call them, they tell me the issue 's fixed, I try to use the card, and the purchase is turned down, and they will not tell me why the XXXX card has been returned to USAA, and at the very last call ( a day ago ) the latest agent ( a woman ) said I 'd have to call ahead of time and get permission from Mommy at USAA before I could use the card that I do have.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act TransUnion has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1682 section 603 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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