BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Company: Consumer Portfolio Services, Inc.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a auto loan with Consumer Portfolio Services and after a year of paying my loan my balance has not changed. After investigating it appears they are applying my full payment to interest! 
Item Financed : XXXX BMW 3 SERIES Amount Financed : {$17000.00} Contract Amount : {$17000.00} Contract Date : XX/XX/XXXX Maturity Date : XX/XX/XXXX falsely threatening car repossession ; and deceptively manipulating Caller ID. Because for many of its accounts CPS is a creditor, the complaint charges these practices violated Section 5 of the FTC Act. For those accounts where CPS is a debt collector, the complaint charges these practices violated the FDCPA. Improperly assessing and collecting fees or other amounts on my account. Unilaterally modifying my contracts by increasing principal balances. Making unsubstantiated claims about the amounts I owed. After speaking with customer service they refused to give me a straight answer as to why all of my payments have not been paid to the principal amount for the entire year I have had this loan. I feel they prey on consumers with bad credit and or bankruptcy 's in which they charge the maximum interest rate of 24.99 % and expect the consumer to miraculously pay off this god forsaken interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Comerica
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
Direct Express Bank in XXXX XXXX, TX, call me and said there was Fraud against my account in XX/XX/2016. I will send you information to return back to us and open your claim. I sent the information in and I called them two weeks later. They said they never received it. I called two more weeks. Direct Express said the claim was closed due to you not sending in the information. I told them I did, so they told me to write a letter with the information and they will open the claim. I did what they said and I call them a week later and they did not receive it. I call again, they did not receive it. Direct Express told me to write another letter. I verified their address ( XXXX. XXXX XXXX XXXX XXXX, TX XXXX ). I sent the letter again, however, like always, they never received it. Next, they told me to fax it in to ( XXXX on XXXX XXXX, 2016 ). I tried to fax it but received busy all day, until 6 hours later. The Fax went through with confirmation. I called a week later, they said they never receive my fax. XXXX XXXX, 2016, and ask to speak to a Supervisor and the Supervisor said, she never receive the fax or letter. She said I need to send it to ( XXXX. XXXX XXXX XXXX XXXX, TX XXXX ). I explain to her that this is frustrating and she said I 'm about to release the call. I told her do n't hang up the phone and she did. My wife witness the entire message because I had it on speaker phone. The currently owe me over {$420.00}. The person doing the fraud was taking out a little bit at a time. I requested additional Bank Statement from them and never receive it. I believe more money was taken from my account. I believe employees inside of Direct Express in ripping off consumers because this third party bank was design for people to receive their social security money and XXXX veterans. I do believe someone on the inside is ripping consumers off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The collection Firm of Franklin Collections services of XXXX MS has been going back and forth about a debt I supposedly owed for a creditor. I sent a correspondence requesting a signed contract from this creditor stating I requested the services they are claiming I received after receiving a itemized bill from them to get this off my credit files knowing I never had anything through this provider but XXXX which I still have the rep by the name of XXXX stated that he could not provide the contract, that XXXX XXXX XXXX stated he could not settle the debt because they want the whole XXXX. He also stated that he is a contractor for XXXX XXXX XXXX so they have the final say and what they collect on the debt as a consumer I am very aware that collection agencies buy these debts for pennies on a dollar and definitely not a contractor for these companies. The last statement he stated is that I receive this service at my current address which is not the case. Please have this collection agency to remove said debt I supposedly owe off my all XXXX credit agencies for misrepresentation I 'm sure this phone conversation all can be verify which took place today XXXX XXXX because the debt collector stated it is recorded unless this is another lying tactic

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Exeter Finance Corp.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My Mother In Law and my husband have an outstanding debt for a vehicle. However, the company calls from Exeter Finance phone numbers and from XXXX XXXX 's all day long. They call about every 30 minutes starting at XXXX until XXXX. I feel as if this is a form of harassment. If the company were to call a few times a day, I could understand. They are collecting a debt. I get it, but to call repeatedly throughout the day is unwarranted. I 'd like the excessive calls to end. And, for a reasonable amount of calls to resume.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This was paid and the lady said they were going to delete it from my file if I paid it. They are still listing this on my reports as an OPEN collection and keep reporting it as such when it was paid in XXXX. I sent them a debt validation letter so they could send me some sort of proof, anything really but they have not responded at all and when I call they say they cant help me and hang up. 
The XXXX payments that I made to pay the account off are confirmation numbers:XXXX and XXXXProcessed by XXXX XXXX to which she told me I would get this item deleted from my reports. They have recently updated and they still list on my reports as an OPEN collection and they list themselves as a creditor in which they are not a creditor and I didnt think that a collection agency could list as a creditor with a credit limit etc on someones credit report anyways. I am sure this company is not complying with the law. 
This is against PINNACLE CREDIT SERVICES LLCXXXX XXXX, MN-XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX sent a closed account to a collection agency. The account was paid in full at the time of closure. XXXX XXXX was notified in writing the account needed to be closed. The account had been paid in advance. The account balance was not refunded at time of closure. XXXX XXXX then sent the account to a collection agency. The collection agency was notified of these facts upon attempting collection. The collection agency reported to the credit bureaus false information about the closed account - that there was an amount due. No funds are due to be paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Go Capital Holdings, LLC
State: MS
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was contacted be the creditor and I am not the person on the loan, I was also contacted by several people stating that they had also been contacted. This was after I was told they was going to send someone to my place of employment and also to my daughters place of employment to serve papers and get me fired. I would answer the phone and try to talk to the person on the other end and get screamed at and told that they needed payment today or a tow truck would be showing up to collect property with the sheriff they call back to back to back and several times at night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt in which the collection agency has posted on my credit report does not belong to me. I have called XXXX XXXX and they have no file or information stating that I owe this debt and proof that it s mine. I have tried to contact the collection agency numerous of times and they can not provide me with proof either. Every time I call they put me on hold. One time I was on hold for 1 1/2 hours and never came on. I want to file a complaint and also seek legal council to help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Franklin Collection Service, Inc.
State: CA
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 a victim of Identity theft and I have sent countless letters to XXXX and Franklin Collection Svc. 

Both of the collections agencies are listed on my credit and are currently coming after me for a fraudulent account with XXXX XXXX XXXX. I have NEVER been contacted by XXXX XXXX XXXX but that is who they both claim the debt is owed to according to my credit. 

XXXX sent me a notice dated XXXX XXXX, 2015 not trying to validate the debt but to make a settlement offer, however, the account was already on my credit and has been on my credit since XXXX 2015. I have never received a notice from Franklin Collection Svc- they just placed the account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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:
I under federal law acknowledges that it is ( I ) the name under which this complaint is being submitted. Not any form of credit repair entity or company. 

Account under the name : XXXX XXXX XXXX  XXXX  currently on my Experian credit report with multiple inaccurate, misleading, & Unverifiable information. 

Last month I specifically asked Experian to delete ( XXXX XXXX XXXX  XXXX  ) Reason ; account does not report balance. Violation of FCRA rules section 1681. 

Reason ; account does not report accurate date of last payment. A violation of FCRA rules section 1681.

Reason ; Account doesn't report name and address of original creditor. A violation of FCRA rules section 1681.

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 2021-12-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I had an invoice for {$3100.00} presented to me for services rendered at a XXXX dealership. The service department said that I could apply for a XXXX XXXX XXXX Credit Card offered by Synchrony Bank and get a promotional offer of no interest on the balance if paid within 12 months of the date of purchase. I agreed and was approved for the issuance of the credit card. ( Statement attached with statement closing date of XX/XX/XXXX showing XX/XX/XXXX transaction. ) The next statement ( closing date XX/XX/XXXX - attached ) listed a transaction summary that included a promotion correction charge dated XX/XX/XXXX ( prior to the original transaction ) of {$1100.00}, a promotion correction charge dated XX/XX/XXXX of {$3100.00}, and on XX/XX/XXXX an adjustment credit to my account of {$3100.00}. 

In XX/XX/XXXX I contacted Synchrony Bank using the customer service phone number and spoke with a XXXX who transferred me to a supervisor named XXXX. He said that he would have the {$1100.00} promotion correction removed and it should take no more than a month. 

What ensued for most of the next XXXX months was a series of phone calls from me to Synchrony Bank speaking with various customer service representatives and their supervisors attempting to resolve this issue. Twice on XXXX different statements ( statement closing date XX/XX/XXXX and statement closing date XX/XX/XXXX - both attached ) credit adjustments were made to the account in the amount of {$1100.00}. Both times a promotion correction charge was added back to the account in the amount of {$1100.00}. 

The statement closing date XX/XX/XXXX also added on XX/XX/XXXX interest charge on purchases of {$360.00}. This resulted in a new balance of {$1500.00}. In order to protect my credit score, on XX/XX/XXXX I paid the new balance of {$1500.00} leaving a zero balance. 

In XX/XX/XXXX I also submitted to Synchrony Bank their written dispute form outlining the events as described above ( attached ). 

The initial purchase amount of {$3100.00} was paid prior to XX/XX/XXXX with the final payment of {$360.00} made on XX/XX/XXXX ( as shown on statement closing date XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-08
Company: Guild Mortgage Company LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage through Guild from a purchase in XX/XX/XXXX and sold the home in XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX to let me know that they have money owed to me from the sale of my home ( {$570.00} ) due to remaining funds from my escrow account. It has now been 7 weeks and they have not yet sent my check. It is unacceptable that they 've had these funds for nearly 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes.please.Thank you.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: CA
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 have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes.please.Thank you.

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 2021-12-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed an account ( XXXX XXXX XXXX ) with Experian yet they keep coming back saying verified accurate how? Who? I believe Experian isnt doing a thorough investigation of my dispute, because all three credit bureaus arent reporting the same thing. This account was deleted from other bureaus and I have proof but yet Experian said its accurate by who? Its looking like they have never done the investigation to being with. And I have proof this account needs to be deleted immediately upon receiving this complaint. Also Experian is reporting bankruptcy account and I have disputed that as well and its come back as verified accurate by who and I want to know THE METHOD OF VERIFICATION. Experian is in clear violation of reporting inaccurate information on my consumer file the is LAW 15 U.S. CODE 1681e ( b ) Compliance procedures & 15 U.S. CODE1681 ( a ) ( 4 ) CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE. This bankruptcy account is in clear violation of 15 U.S code 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS I never gave them anything in writing given them permission to report this which is against the law identity theft at that and 18 U.S. Code 1028A AGGRAVATED IDENTITY THEFT which is felony two years in prison. I would like a full new copy of my credit report reflecting the deletions sent to me via usps mail.

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 2019-12-14
Company: Bayside Credit
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2019 At XXXX I got a call from BaySide Credit The name of the representative is XXXX  , I was threatened that they were gon na take legal action against me, I was told by XXXX  that they were going to take me to court and garnish my wages. 
I offer to pay {$100.00} a month but my offer was not accepted, I was pushed to come up with {$250.00} to make the payment and to settle the account for {$1000.00} payment was supposed to be made on XX/XX/2019 even knowing that I'm a single  mother working hard as well to get back on track, however on the second call I got with BaySide Credit on XX/XX/2019 at XXXX, I spoke to a representative first, he forward the mgs to a manager XXXX who came out with an option to pay {$500.00} in 2 payments, I told them that I was not gon na be able to pay the {$250.00} so I ask to lower the payment again for {$100.00} until balance was paid off in full not with the settlement, however XXXX  got into the call again and told me again that they were not gon na work with me, they were going to go against me and take me to court and garnish my wages, when I ask to work with me with the full balance of about {$2600.00} or so.. he mention its going to take you over 2 year to paid off, i told him I didn't care that I will prefer paid.. then have it on my credit for 7 years, he put me on hold, came back and ask me again  for another balance that I can't paid he ask for {$150.00} to settle the acct in 18 months I told him once again that I could not do more then {$100.00} I have my family as well. But he stated that there was nothing else to do and I end up the call. Now I'm scared that they are going to garnish my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-06-12
Company: EQUIFAX, INC.
State: FL
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:
SOMEONE USE MY PERSONAL INFORMATION AND MY SOCIAL SECURITY NUMBER TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY PERMISSION AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation