BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company keeps calling me after I've told them on several occasion the debt was paid, and equipment was sent back. The debt collection agency is Diversified and the debtor was XXXX. They are probably the worse wireless provider in the business. They perform Deceptive Business Practices, False advertising, horrible customer service, can never speak with anyone in the U.S. They say they are giving phones as gifts for promotions and it turns out to be a lie. There are horrible. I've tried to explain this to the collection agency Diversified but they are aggressive and they don't listen to reason, so it causes people to become irate, due to their unprofessional methods. I plan to file a criminal complaint. They call 4 to 7 times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX I called XXXX XXXX to see a copy of the original bill but they stated that they no longer have it on record and I should talk to the debt collector XXXX I called Sunrise Credit Services to see a copy of the bill. They stated that it was sent to me at my current address since XXXX but I have not received the bill. This is the 3rd time that I have asked to have it mailed to me. I was given my account number but when I log into the website there is no itemized info about the bill. 

The amount that is being collected is certainly higher than what the original utility bill was and I'd like to see it itemized because I don't believe I should owe that full amount. 

I have also been contacted 2 days after already speaking to a representative which is more often than is allowed.

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 2017-08-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My XXXX school loans were bought by Navient. Since that time they have done many things to mislead me and make it nearly impossible to pay off my loans. I had an Income-bsaed repayment plan. Twice in XXXX, I attempted to give them my updated information to increase my payments. They told me that they would not accept it until the next time my Income-based plan required it. They essentially would not allow me to increase my payments and recommended I just pay extra each month ( effectively eliminating the point of autopay ). I then tried to refinance my loans through XXXX because Navient was so terrible to me at every turn. XXXX paid them my full loan amount. Navient miscalculated " interest '' that I owed and took {$11000.00} of the pay off amount. This left me with a new loan with them for {$11000.00}. I received no notification of this. I then got a check in the mail for this amount with no explanation. Essentially, they are hoping that I do not realize what this check was for and cash it, leaving me with a new loan with Navient that they can continue to make money off me with. I did not sign any Master Promissory Note for this loan and never received any correspondence about this new loan. Navient is purposefully trying to mislead me and continue to make money off of interest. I have tried to not be their customer any longer, but it is nearly impossible to get out from under them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX - I financed XXXX XXXX XXXX XXXX from XXXX XXXX XXXX via American Honda Finance, ( 72 month lease 15 % APR ). My credit score at the time was between XXXX. I traded in XXXX XXXX XXXXXXXX XXXX. XXXX - CFPB ordered American Honda Finance to pay XXXX XXXX dollars to borrowers discriminatory lending practices. I contacted the CFPB hotline to inquire, and was advised further information would be available in the coming months. XXXX - I was contacted by XXXX XXXX XXXX about refinancing my vehicle and/or trading in new vehicle. When I arrived after review from finance team, I was told I did not qualify for refinancing. I then provided the agent a copy of the CFPB consent order. The agent went to his colleague, came back and acknowledged the consent order, and was advised that if my monthly payments can be dropped from XXXX to XXXX after 3 consecutive months of on time payments. XXXX - CFPB posted article outlining steps to follow to participate in the settlement ( link : https : //www.consumerfinance.gov/XXXX ). I sent info to the administrator, but received a response letter stating that I was not affected customer of the settlement. Even though the XXXX interaction seemed to acknowledge that I was an affected customer in the settlement. XXXX - Received an notification of default letter via non-certified mail for the full balance of the loan. I made previous attempts on bringing my account current, but their threatening nature about the status of the loan had me very apprehensive about contacting them up to this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There was a computer glitch that caused my inquiries to be removed this was Transunion 's problem not mine transunion later re-added these inquiries without properly notifying me in writing within 5 days of them re-adding the inquiries I then contacted transunion in good faith and asked them to remove these inquiries that they illega lly re ad ded on several occasions to no prevail the last time I called on Friday  XXXX   XXXX   2017  the number I dialed was  XXXX  I spoke with a representative that then transferred me to a supervisor named  XXXX  he had a very thick accent I tried my best to understand him but I could n't I asked to be transferred to a United States representative because I could n't really understand him he told me no he would not transfer me I 'm just really frustrated with the treatment and time they are taking away from my day because of this. It has caused a very untimely hardship for my family I was going through the home buying process and my agent told me that this drop in my score because of the injuries can result in a denial from my home loan I 'm so frustrated that transunion feels it 's okay to violate my rights in this manner!!! Please help me cfpb please make transunion stop victimizing 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 2017-08-20
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert today from my credit monitoring service. Collection agency COMMONWEALTH FINANCIAL, date reported XX/XX/XXXX, original balance {$520.00}, account number XXXX. Contact information not reported, XXXX XXXX XXXX  XXXX XXXX, PA XXXX. First delinquency XX/XX/XXXX. Its being reported by credit bureaus.This is clearly not me i have never received any written notice of collection or proof of verification & validation required by the fair debt collection act. Furthermore there is no phone number for me to call & speak to a real person. This debt has already been disputed & removed from my credit report with a different company for the same amount. I also have proof that there was no previous collections on my credit report in previous months. I 'm in the middle of buying a house & this has dropped my score over 70 points & making it impossible for me to close. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have 2 accounts at Wells Fargo, on thurs the XXXX of XXXX. I sent a friend {$500.00} through XXXX  and was called by fraud dept. I was fully verified and the transfer was sent to the receiving party, on Fri the XXXX I initiated a transfer by wire for {$1800.00} to my friends Wells account which was again stopped by the fraud dept, department, called in and they locked my online banking and have since told me to come in branch to verify Identity.I work 12 hours a day 7 days most weeks, I start work before the bank opens and come after closing. I have always been an online customer and don't have the luxury of coming in due to work schedule.I have been on the phone 2 times per day at least for almost 5 days.They refused to close my account upon asking, the agent on the phones name was 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 explanation
Consumer complaint received 2020-05-12
Company: ALLY FINANCIAL INC.
State: IL
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 looked on my credit report and noticed that some accounts were opened that I did not authorize and have no knowledge of the person who opened them.

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 2017-08-20
Company: EQUIFAX, INC.
State: NC
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 made a formal request to Equifax, XXXX, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX Cancellation of Debt form summary provided by XXXX XXXX XXXX XXXX. Equifax, XXXX, and XXXX are still reporting inaccurate, misleading, and outdated information for this account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: FCI Lender Services Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My issue is with the current servicer of my mortgage loan, FCI Lender Services. They are ignoring my requests for information and assistance and also do not appear to be licensed to do business in the state of Virginia. My now XXXX husband XXXX and I bought our home back in XXXX. We endured many struggles due to his health issues. Even when he was unable to work and bed ridden and I was out of work caring for him full time we kept up with our mortgage payment. After he XXXX in XXXX I had to use the remaining savings to keep up with bills and handle his affairs and funeral costs. I began struggling financially and started trying to get back to work but it took some time. I thought I would be OK because I had been led to believe I would be receiving survivor benefits but after going through the process found that I was too young to receive this. I ended up falling behind on my mortgage payments. I eventually was able to get a job working as a XXXX ( have worked in this field for 40 years ) but was behind on the loan. I tried to get my loan modified but had issues because the loan got transferred multiple times. I was eventually told that my loan could not be modified because the loan and title were not in my name. I went to court and I was established as the executor of the estate and got all of the paperwork that established that I was the rightful owner of the home. I was then able to engage with the servicer at that time XXXX XXXX XXXX and thought I was making progress toward a modification when the loan was transferred to FCI Lender Services. No one at FCI has been willing to give me the time of day or consider me for any modification options. They have not looked at my current financial information and have not assigned an account manager to work with me to discuss options to resolve my delinquency and modify my loan. I just want to save my home, I work full time as a XXXX and my daughter is living with me and contributing towards bills and the mortgage payment and is going to be staying indefinitely. We can make this work, if FCI would work with 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 2017-08-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Toyota Motor Credit has recently submitted negative activity to the credit reporting agencies regarding the status of my paid in full car loan. I paid my vehicle in full effective XXXX XXXX. The payoff was reflected on all three credit reporting agencies effective XXXX XXXX. I received a letter from Toyota dated XXXX/XXXX/XXXX in support of same. This same letter advised of late charges which were assessed during the course of the loan period. Toyota and I are not in full agreement as to the actual amount of these late charges, and I have been writing them letters, starting prior the end of the loan pay-off, to request a proper accounting and explanation of these late charges. Their calculations do not compute correctly. The payment website, which is supposed to reflect current account activity has been and is still incorrect ; stating that I have a balance of {$1200.00} and some change. Not one person at Toyota can explain this to me. They have never responded to my three ( 3 ) written requests, and my countless phone calls. Toyota has also continued to report the late payments as unpaid on XXXX which is not true. They were paid and I have asked Toyota to correct this to no avail. I have filed dispute resolution claims through XXXX, and Toyota will not correct the incorrect information or inconsistencies.
Simultaneously I started receiving calls from the Toyota Collection division after the payoff of my loan to advise me that my account was in collection for an unpaid balance of {$.00} ( cents ). Each time I received a call from their collection department I was told an internal waiver would be sent to accounting to solve the error. I kept getting call after call and having to explain this all over again. Each agent was able to see the activity of the previous calls, apologized for the inconvenience and assured me it would be resolved. None of my requests for a proper accounting have been resolved, nor was the correction to the {$.00} incorrect unpaid balance, and now it has resulted in negative activity on my credit report. I dont know any consumer who is going to simply pay a bill when there are so many ambiguities and inconsistencies in the accounting ; and when individual internal corporate departments of a global company can not explain their own accounting amongst themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  account name XXXX  XXXX  XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX  XXXX  XXXX  XXXX XXXX account # - XXXX has violated my rights. 

15 U.S.C. 1681section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Re : INCORRECT ANNUAL ESCROW DISCLOSURE STATEMENT for borrower paid mortgage insurance, XXXX XXXX XXXX, CA ; Account ***** ; Loan number ******. PMI INSURANCE WAS DELETED FROM MY LOAN effective XX/XX/XXXX. 

Dear Annual Escrow Statement Person, I went through considerable time and effort to remove the PMI, including hiring an appraiser on my own dime. As a result of that effort, I received the enclosed letter date XX/XX/XXXX cancelling my PMI Insurance based on investor guidelines. See EXH 1 - Letter cancelling PMI. My home is worth twice as much as I owe. 

Imagine if you were me and the disappointment you would feel if you found LoanCares Annual Statement showed disbursements to PMI Insurance when you had cancelled the PMI. See LoanCares Annual Disclosure Statement, dated XX/XX/XXXX. 

I would appreciate if LoanCare would remove those PMI charges ( and any other inappropriate charges ) and send me an Amended Annual Disclosure Statement reflect the appropriate charges. I need to know how much I really owe LoanCare so I can make appropriate payments ASAP. 

This overreaching must not continue. 

Best Regards, ******, XXXX  XX/XX/XXXX Cc : file

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 2022-07-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son had XXXX XXXX at XXXX Hospital. Several the XXXX were paid in full with exception of the co-pay, which I mailed in when I received the bill. Some of the XXXX was not paid by my insurance because of a coding and billing issue at XXXX for the exact same services, different day as those that were paid. Many of my co-pays were mailed back to me in the form of a check from XXXX, my guess is they did n't know where to apply it. They had a terrible accounting system where they could not look up my sons name and tell me which invoices were paid or not paid, owed on or paid in full. I had to present an invoice number if I wanted to know about anything owed, this was a problem as the bills XXXX  sent were sporadic and sometimes months after the fact. This all happened between 2014 and now. I had to withdraw much needed treatment for my son because so many of the bills were not paid by insurance even though his service should have been covered, it had just been billed incorrectly. I have spent days and days on the phone to get this cleared up but XXXX 's staff turned did not know what to do and I the staff turnover there was so high I would have to talk to a new person every time I called. This is for XXXX Hospital, Syndicated Office Systems and Central finance control and all Credit Reporting Agencies, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: GreenSky, LLC
State: SC
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:
In early XX/XX/XXXX XXXX XXXX XXXX rang my door bell, said he was a sales representative for XXXX XXXX I became came interested after he asked me if I was a XXXX veteran. I 'm a XXXX % XXXX veteran, he told me that the V A would pay half of the cost. I gave him my personal information for XXXX XXXX. On XX/XX/XXXX XXXX returned to my house said XXXX XXXX moved to Florida that he had another company that can do the work.I told him that my wife and I changed our minds He tried to get me to sign a contract with XXXX XXXX I told him no, he told me that he had already ran my information thru Greensky and I 'm already approved. I told him I did not give permission to run my credit a second time. Later on that day XXXX emailed me the contract to XXXX XXXX, which I did not sign or return. On XX/XX/XXXX my wife and I went on vacation. While on vacation I get a email from Greensky congratulating me for my purchase and that they payed the contractor XXXX Dollars to do the work. I emailed back that I did not authorize that work or sign a contract to do any work, I returned home on the XXXX of XXXX to see the corresponding mail from Greensky. XXXX XXXX XXXX came back to my house on the XX/XX/XXXX with A contractor to try again to get me to sign the contract and insisted the contractor take measurements, I told him I will not sign, he left the contract with me said he will come back I told him again I will not sign that contract.I called Greensky to dispute the contract and the payout to the contractor they do not have my signature on any document or contract and if I supposed to have signed a contract on the XXXX of XXXX how was the account opened on the XXXX. Greensky final decision was the I signed the contract the contractor will pay back all the money except a restock fee of XXXX.and since I cancelled the contract I have to pay the restock fee. I told them I did not sign a contract I will not pay one Penney. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief