BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: Sierra Holdings LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXX has been a big pain!. I've never experienced a negative credit hit and i'm always relatively on time and serious with my payments! My loan has been open since XX/XX/XXXX and each month my bill comes due on the XXXX. Every month I either call in my payment using a checking account or via web to take advantage of a of the free option.On XX/XX/XXXX I logged into their website to make a monthly payment. XXXX XXXX XXXX only provides two ways to 3 ways to make a payment without charging a fee ( i.e. ACH, by mail, and auto pay ) For some odd reason online it kept forcing me to pay a now {$6.00} fee to make a payment using my checking info ( ACH payment ). After several failed attempts to make a free payment i decided to wait til the next day so i can speak with someone about the issues that i was having. 
On XX/XX/XXXX I contacted XXXX XXXX XXXX to see why I couldn't make a payment for free like I had done the entire time. I spoke with an agent who advised me as of XX/XX/XXXX there is no way to pay free unless its auto pay or by mail. The representative also advised me that management told them to inform us consumers that a letter and email was sent out regarding the update. I advised the representative and spoke with a manager to inform them that they failed to inform their consumers regarding a significant update. I was charged 10 days worth of interest due to me having to mail in a check to take care of my payment. If I had been properly notified, this issue would be unheard of. After speaking with manager, the only thing they could do was apologized for the " inconvenience ''. I have provided proof that on XX/XX/XXXX there website still showed paying ACH as a free option. this financial institution failed to properly notify their consumers of new fees and payment methods. You can not penalize the consumer for this improper conduct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX, XXXX XXXX was granted a judgment for the amount of {$4100.00} on a personal loan I obtained in XXXX. On XX/XX/XXXX, a XXXX XXXX employee, XXXX ( name may be misspelled ), from the Legal Department called my place of employment. XXXX failed to diligently locate the Personnel Department and spoke to a co-worker. XXXX spoke to Mr. XXXX XXXX, a XXXX XXXX, who addresses legal affairs for the inmates at my job. Mr. XXXX does not address employee legal matters or issues with debt collectors. On XX/XX/XXXX, Mr. XXXX emailed me requesting I give him a call. On XX/XX/XXXX, I spoke to Mr. XXXX, who informed me of the phone call between him and XXXX on XX/XX/XXXX. MrXXXX XXXX stated a woman called from XXXX XXXX, disclosed she was collecting a debt, and is trying to serve my job a wage garnishment order. Mr. XXXX stated the woman did not ask if she reached the correct department, or if she was speaking to the right individual. Mr. XXXX gave me the phone number he was given. After I left work, I immediately called XXXX XXXX and spoke directly to XXXX and identified her as making the call to my job. I informed XXXX she called the wrong department and she disclosed my personal business with someone who addresses inmates legal issues. XXXX denied disclosing my personal matter, however Mr. XXXX had knowledge of my pending garnishment due to XXXX negligence. Due to XXXX conduct, I suffered severe distress and embarrassment as a result of my personal business being disclosed. On XX/XX/XXXX, due to my Attorneys error, I filed for Chapter XXXX Bankruptcy for the third time, which was confirmed on XX/XX/XXXX. My plan is confirmed for me to pay 100 % of my debt owed to creditors, including XXXX XXXX. A wage garnishment order was served to my job on XX/XX/XXXX from XXXX XXXX, although the debt is included in the Chapter XXXX plan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Issue: Late fee

Complaint:
A relative applied and received a Walmart Credit card in my name for {$150.00} limit XX/XX/XXXX. I found out about this XX/XX/XXXX and contacted the card company. I began making payments on the account of {$50.00}. per month for at least the nest XXXX or more months. They would charge me a late fee every month of {$35.00} even though I explained I only get paid 1 time a month. I have paid them over {$500.00} and they say the balance is still over {$300.00}. This is crazy on a card with a limit of {$150.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Bridgecrest company has never removed the late payment that was placed on my accoount but I'm submitting this letter because of covid i Fell behind on one payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I utilized the pandemic forbearance plan offered by my lender, Mr. Cooper, to delay my monthly mortgage payment on my condominium in New York. I called Mr. Cooper to have the balance tacked on to the end of my mortgage as the forbearance plan was ending. They somehow have no record of this. I then asked them again to simply reinstate my monthly payment, and they have denied it and are trying to threaten me with foreclosure. I would like the CFPB to intervene and tell these frauds that they can not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I sent in letters requesting an update on several accounts inaccurately reporting to my credit. This letter was sent XXXX days ago. There has been no update regarding the investigation. I have also sent ALL information needed to accurately identify and locate my credit file. No status update has been provided to me

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 2019-12-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2019 I received an aggressive and overbearing phone call from a proceedings company representing my county. They gave me another phone number to call and case number. When I called the number the woman said I needed to verify personal information or she wouldnt be able to tell me why I was being sued. So I verified the information then she proceeds to tell me that I was being sued by ACE Cash Express for writing hot checks because I defaulted in a loan. That was far from the truth of course, she then threatened that I will have to pay court and legal fees totaling over {$2000.00} for a loan that was {$500.00}. She then asks how would I like to make my payment today to stop the court proceedings. I had to tell her that I had no money to pay her. She then says that my case will be discharged from their office within 2 hours-2 days and once that happens, there isnt anything else I could do about it. I was not writing hot checks! That is a lie and they know it! The aggressive and boastful manner these people talked to me in, was almost like a scare tactic. Then not only that, why what until the holidays to try to collect on something?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Big Picture Loans, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX/XXXX/XXXX Received a phone call from this company stating they would be debiting from my bank account in 2 days because of a court judgement against me. I called back to the company and they answered stating they are Arbitration company obtained from pay day loan company I borrowed from back in XXXX. He stated he is a Lawyer and was retained to handle the account. the person then proceeded to transfer me to " XXXX ''. I asked XXXX what is the name of her company she stated XXXX XXXX XXXX. I asked are they an arbitration company and she stated that they are. I proceeded to ask her if they are made up of lawyers and she stated no. So once I looked up the company online I realized that it was a collection agency. I told the representative that this is an collection agency and it is illegal to misrepresent themselves. I told her to take me off their call list and do not call back. She proceeded to say that she is going to hang up and call my job. She also stated that they will continue to call me until I pay her their money. She used vulgar language as well. This is not the first time this company has called me with threats and I have told them not to call my phone again but they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Conn's, Inc.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. 

After a thorough review of my reports, there were inquiries that had been placed on my file, from several companies in which I had n't applied for any credit. This company is Conn 's Credit. 

I mailed them a letter asking them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. Conn 's received the letter by fax on XXXX XXXX, 2015 and to date, I have not received any correspondence from their company, nor has the inquiry been removed from my credit file. 

Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Resurgent Capital Services L.P.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account is showing on my credit bureau. I have no knowledge of this account. I have been a victim of name fraud- there have been multiple accounts and claims made in my name. This company has not provided me with any information, or a copy of the application to have this added to the police report. I did not open an account with this company in XXXX as it is reporting on the bureaus. I have now been denied a student loan due to this fictitious information. I had disputed the information with the bureaus and was told it meets fcra requirements even though no documentation has been provided. I have attached the police report referenced above. 
Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4900.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance - Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: BlueChip Financial
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A Company called XXXX, XXXX, and XXXX called saying they are collecting a debt. I wrote the name and said I will have to look it up they slammed down the phone. I called back after calling the XXXX XXXX XXXX and found out they were bad news I called back. They threatened to call my job and file papers. When I said go ahead and file papers and don't call they said they would keep calling and they would call my job. They were very rude. So I actually called back after the slammed the phone down asking if they were a scam city. 

XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-06-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To Whom It May Concern, I was recently looking over my accounts and credit utilization and noticed on my XXXX, XXXX XXXX and XXXX account I am on are all currently missing from my credit report on XXXX & experian  but it is on XXXX. In the documents I will show how on XXXX  reporting agency it shows all my accurate information but the other 2 companies do not. I have called each of these companies and they said the same thing that they reported to the credit reporting agencies I am unsure as to why XXXX  only reported and not XXXX  and Experian. The first document attached will show the inaccurate information from XXXX & Experian and the second document will show the correct information that they need to update.

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 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid several accounts off this year and both the company and TransUnion have not been willing to update my credit report. What's interesting is that XXXX  already shows the balances paid and my credit report updated, but TransUnion isn't willing to and I can't get anyone at TransUnion to talk to me.

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 2020-04-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Spoke to XXXX XXXX and they were very unprofessional. would not listen to my concerns and only provided a fax number XXXX, which he then immediately hung up on me. I initially received a credit alert about this activity previously, since I have been a victim of I'd theft. I have not been to XXXX  for medical of late last year and this is a fraudulent claim they refuse to remove. This has dramatically hurt my credit score. Please have this remove and resolved. I am out of options.

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 2017-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called Equifax after taking 2 hours out of my day to wait on hold until an representative answered the phone, to be hung up on Not once but TWICE! So a total of 3 1/2 hours waiting on the phone XXXX/XXXX/XXXX. I had addresses that appeared on my credit report and I was calling to take care of the action. One of the addresses was XXXX XXXX XXXX, and XXXX XXXX XXXX both XXXX XXXX NC. I had the job XXXX XXXX pop up, but I 've been a employee of XXXX XXXX XXXX for years. I had a inquiry from XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX. This was all concerns that I expressed with the rep who told me that he sent a message to the other team to handle the concerns, but once put on hold they would hang up on me. I was more than polite, and the both reps was as well. I 'm more upset that things are on my report that should n't be and once I had time to handle the situation almost 4 hours was waisted out of my day for nothing. The hold times are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX the amount of {$23000.00} was wired to our account from the sale of our house. We were informed that we would have our money Monday XXXX  XX/XX/XXXX. Was not there. Call them Monday and was told that we would have it Tuesday. Tuesday  called again was told Wednesday. Wednesday  called again and was told Friday. After spending several hours on the phone with several XXXX XXXX people of the wire transfer dept. We are just getting the run around. This is not right!!!!!!! 

We are in a hardship. WE NEED OUR MONEY! My family is sick, there are some things that I needed to order as soon as our money became available on Monday morning, but that did not happen. Plus we need our money in order to move. 

It is not right that Fifth Third bank is holding on to our money so that they can collect free interest on it for however long they decide to keep it from us. It is our money they have no right to hold onto it. This XXXX that they do must be stopped. We had been informed that when money is wired it is usually available in about 2 hours. Well it has been a full three business days and they are still enjoying keeping our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi CFPB staff, I opened a credit card at BECU and transferred a balance onto it. I scheduled regular payment unknowingly a day later than they were due. As a result, I received 7 late payment reports ( rather than 1 with 6 on-time payments ) beginning when I missed the first payment. BECU refused to correct the mistaken late payment reports to the credit agency and my score suffers ( and will continue to suffer for another number of years ) as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
CMRE is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.

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 2022-01-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from XXXX which belongs to a XXXX XXXX XXXX. They left no message. When I checked my credit report this appears to be an old American Eagle credit card through GE Bank? I believe that this paid in full through a third party years ago as I do not have an account with them now. I have not received any written notice of this attempt to collect this debt and I will request that they Cease and Desist any further collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I submitted a dispute to Equifax about an inaccurate item on my credit report on XX/XX/XXXX and still have not received any resolution as of XX/XX/XXXX. When I check their website, it tells me it is still pending with an estimated completion date of XX/XX/XXXX. I have tried e-mailing Equifax to follow-up but have received no response. I also tried calling but gave up after waiting on hold for three hours. This has been very frustrating and has impacted my ability to complete a refinancing of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/19 I tried to call the number provided on the letter I received from the company on XX/XX/19 and the recorded message says that the number is not in service. There is no other number to call only a website and a mailing address for payments. A letter confirming that I do not owe this money and submit any necessary confirmation to all 3 credit bureaus if necessary that I do not have any outstanding debt that was not discharged in chapter XXXX bankruptcy proceedings.

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