BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-06
Company: Armada Corp.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a dispute letter to Armada collections agency and as proof I sent the letter with a certified mail receipt. Armada responded on XX/XX/XXXX not with verification but just a print out of charges of the alleged debt. The letter sent by me plainly said to provide viable evidence bearing my signature as proof of the debt being reported to the major credit bureaus. I sent a second letter certified mail on XX/XX/XXXX I was sent the same information as before just a print out. It is now over 3 mos and they have not sent the proof I requested. I did notice they removed the item from my credit report temporarily but has since added the item to my credit report once again. Armada has violated the FDCPA { 807 } and { 15 USC 1962a }. They have not placed the clause ( Account information disputed by consumer, meeting FCRA requirements at all or within the 30 day period. I will be filling action against this company in small claims court as stated in the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I have since been denied credit because of such error and this has been frustrating because it has effected my livelihood.

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 2017-10-13
Company: Experian Information Solutions Inc.
State: TX
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:
All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. XXXX WITH A SECOND HACK ON XX/XX/2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.  Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.

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 2020-12-30
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This person with XXXX and phone number XXXX called me stating to be a XX/XX/XXXX representative and asked if I had XX/XX/XXXX and which I said yes. But, I hanged up since it seemed fishy. But, the person managed to hack my phone through the XXXX app. Was able to find my XXXX XXXX XXXX  it and stole my XX/XX/XXXX login info. Get in get the code to get past the double security feature. And send XXXX to himself through a zelle account I didn't make towards XXXX. the next day I woke up logged into it and saw that and started contacting my bank saying to factory reset my phone and run an anti-hack program which I did and they told me there is nothing to be done and believe I gave my authority on the transaction when I didn't since he had full access to my phone after the hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: EQUIFAX, INC.
State: CO
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:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have never had a account with synchrony and someone used my information in the past to open fraudulent accounts years ago which they state they corrected. I tried applying for a XXXX  card which would be my first account with this bank and they denied me based on bad history with the bank but it was not my history and thats unfair.

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 2016-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
To whom this may concern : I 've submitted a dispute to Transunion to remove inquiries off my credit report, I understand that they should n't be allowed to put inquiries on my file unless I have authorized it. They recently removed the inquiries then added them back. Please have transunion remove the inquiries from my credit file because it is making it very difficult for me to acquire credit. I have sent several letters to them with.

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 2022-03-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL
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:
on XX/XX/2021 I made a call to Toyota Financial Services and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. Toyota placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to Toyota financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX a house and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: HYUNDAI CAPITAL AMERICA
State: AZ
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:
I had a lease with Hyundai Motor Finance. Lease payoff was completed in early XXXX. As of today XXXX the amount is still showing as uncollected on my credit report and adversely effecting my credit rating. Have tried reaching out to Hyundai and am being told I have to follow up with a letter, no email, no phone number to dispute the charge. They acknowledge they have been paid and have not updated the report. So now I have to take the time to write the letter, mail it, and wait several more weeks for this to be completed while my credit report is lower because of this.

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 2020-12-30
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account is fraudulent this account and theyre trying to collect for is not mine I did not open it I have no knowledge of this somebody stole my identity and open the account I have no knowledge of this Im alerting the proper authorities

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: SERVICEMAC, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ServiceMac LLC has not paid any property taxes from my escrow upon an earlier transfer of my mortgage from XXXX ( who also failed to pay my city taxes ). The mortgager has however steadily increased my payments to address overages in the escrow account relevant to the property taxes. They are withholding the taxes from the mortgage payments as indicated in the escrow analysis and billing HOWEVER all of the information pertinent to property taxes is not consistent with the XXXX of XXXX 's tax assessors/collections office. The taxes are assigned and paid based on the parcel # XXXX, yet XXXX has come up with some absurd excuse stating that the taxes were misapplied by the City to a different property based on the name of that mortgagee. Again taxes are assessed and identified by parcel #, that said this Servicer and the one before it that they transferred the mortgage from are providing disingenuous accounting information on the billing and the projected escrow analysis as they are not even paying any of the taxes. I have asked for proof of remittance to the city however have not received it. I have however received notices of delinquencies from the city and a tax lien notification due to none disbursement of the amounts withheld in escrow. Now ServiceMac has the gall to tell me that my mortgage is being raised yet again for property taxes-that they arent even pay! Its as if I have an adjustable rate as the mortgage is steadily increasing without any confirmation that they servicer is distributing the funds as contractually agreed upon. I have also told them that they need to cross-check whatever they are quoting to me with the prior Servicer as they too have falsely reported remittance to the City of XXXX. Im reporting so that a regulator can track and check this servicer for fraud. I cant tell whether its incompetence or intentional but this servicer is miscommunicating and not following servicing rules.

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 2021-10-31
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
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:
In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to 0. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

Timeline of Events and Agreements In XX/XX/XXXX the car broke down for the 3rd time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion customer service would not help and take care of the negative inquiries reporting to my credit report. I have no knowledge were these inquiries came from. I took the time to contact each company separately and neither one could give me information where this inquiries came from. The only course of action they gave was to contact TransUnion.

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 2022-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My girlfriend sends me {$880.00} to my Chase Checking each month via XXXX through her bank XXXX XXXX XXXX  ) for household expenses. Although both institutions support immediate XXXX payments, Chase doesn't credit my account the day of the transfer ( usually around the XXXX of each month ), and instead credits it about four days after the date of the transfer. 

After several secure messages back and forth with Chase, who gave non-helpful answers such as my GF 's bank may not support immediate transfers ( they do ) or that I should contact XXXX directly for resolution. So I contacted XXXX and they can only help if the payments are scheduled directly through them and not one their participating banks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/24 I made a Ach transfer for XXXX $ They told me because they received so many transfers, mine was delayed for 3 days, although it was processed as complete on XX/XX/24. I called in for 4 days since XX/XX/24 and each time they told me to wait the 3rd business day.

They were using this one transaction to steal money from my account.

I would like to speak with someone from their bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Affirm Holdings, Inc
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX bike for full refund. 

XXXX issued refund to Affirm. 

Affirm loan shows paid off on Affirm app. 

Affirm refunded only some of the payments i made directly to my XXXX checking account. 

Still short over {$1100.00} on refund. 

Contacted Affirm to inquire and they - would not tell me how much more refund i would get - how much they refunded to date - said to wait 30 days for a check of unknown amount. 

I saw on XXXX that others have waited the 30 days only to be told to start a case and have waited months with no refund. Here is the thread : https : XXXX? utm_source=share & utm_medium=ios_app & utm_name=iossmf So basically Affirm is stealing peoples money and not releasing refunds. 

I tried calling Affirm and waited on hold for an agent for over 15 minutes and got disconnected.

I am currently on hold again for 10 minutes waiting to inquire for exact details on how much more refund, exactly when i will receive a check and where the check will be sent. 

I finally reached an agent and was told that because many of the payments were over 180 days old the agent had to calculate the refund by hand and start a case for investigation. 

This is criminal. They are intentionally holding the money until someone wastes hours of their life to get an agent to hand calculate refunds. 

No other financial institution operates like this. 

I am now waiting on hold for this process ( which i suspect is a process to try to have me disconnect from the call ) and have no confidence that I will receive a refund. 

I believe i made 20 payments on a zero interest loan of XXXX and received only XXXX payments refunded. So i am missing at least XXXX x XXXX = {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: FL
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 had submitted a disrupt two acount that I didnt recognize on my credit report with a company that I had hired XXXX XXXX XXXX in disprove the issue XXXX 2020 And they didnt respond to the dispute and I also have accounts that was deleted from XXXX XXXX and XXXX  that Equifax did update and the credit file number that Im a reference it to in the pictures that Im taking his full credit, XXXX XXXX file number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I currently have {$130000.00} of student loan debt with Navient. I have been working with the company since graduating in XXXX when they were still XXXX. I have had numerous interactions with Navient in regards to my debt. 

XX/XX/XXXX : I started my graduate program and the I called the company to discuss options during my 2 year degree. I was lead to believe deferring the loans would be in my best interest not realizing or it being explained that accrued interest would continue to compile during this time. At that point my loans were just under {$100000.00}. 

XX/XX/XXXX : Soon after graduating in XX/XX/XXXX my new loan amount was just shy of {$140000.00}. I lost my job in XX/XX/XXXX and called Navient to help with alternative options for repayment during this process. I told them I did not want to go into foreberance and would still like to keep paying the loan as to not accrue interest as what happened during my graduate program. They instead told me my only option would be an interst only payment plan, which honestly did not lower the payment by so much but unsure how long I would be unemployed I went with the option. 

XX/XX/XXXX : I called Navient to remove me from the interst only payment plan. This was obviously not followed because XXXX I am still enrolled in interest only payments. I called Navient a total of 4 times about this issue. 

XX/XX/XXXX : I called Navient in regards to the Interest Rate Reduction program. After running my credit and getting my monthly expense and income they said I do not qualify because I can afford the payments. To pay over 10 % in interest with a good credit score just because you can pay it is ridiculous i explained to Navient. They said you can only qualify if you are in hardship. Yet this was not offered to me after losing my job back in XX/XX/XXXX. And now that i have above par credit with a good job they feel entitled to charge outrageous rates because they feel I can afford it. 

Navient is sorely about money and not about getting the consumer a fair deal and fighting chance to pay back their loans. Understood there should be compensation to the lender for giving me the opportunity to get an education, however ; the extent Navient goes to drain every dollar conceivable out of the consumer is unfair and should not be when all the consumer wants is an education. I understand CFPB is currently suing Navient for unfair practices and I hope that the successful win for the CFPB will lead to some compensation for the consumer for these unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX provided cable service to my sons address in XXXX. Whereas I live in XXXX. My son went online and used my personal information to obtain service without my approval.. XXXX failed to validate the online application and the identity ( ID ) for service. XXXX sent me to a collection agency SW Credit Systems L.P. for collection {$440.00} and reported the following on my personal credit profile. I filed and provided an Identity Theft Victims Complaint and Affidavit form and provided them proof on my residence in XXXX during the period and with XXXX additional forms ( bills ) to support my occupancy address. XXXX will not release the following ... I have my cell phone and cable service in XXXX with XXXX for the several years. They truly know I never obtained services.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed