BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Beginning on XX/XX/2020 and for the last three consecutive days I have been trying to log into my account to obtain loan statements to shop a potential refinance on my existing mortgage. Unfortunately I am unable to get anyone on the phone to assist and the website doesnt load any information. Ive attempted to log into my account roughly 30 times and it keeps redirecting in circles. Its unacceptable to not have access to any of my information and no one can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This business has called my job twice after I specifically asked them not to. 

These people also refuse to reveal who they are when they call. When they call they do not leave a message and just hang up. I am being harrased,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
They call all day long even after XXXX. The call while I 'm in class and I 've been kicked out of class several times because they call back to back and it disrupts my class! They all weekend as well!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for a Chapter XXXX bankruptcy on XXXX XXXX, 2016 and my attorney provided notice to the trustee and lender at XXXX. Caliber proceeded with my sale any way at XXXX. My attorney contacted the trustee and they stated the sale would be rescinded due to the fact that proper notice was provided yet it is now two weeks later and we keep getting the run around and the sale has not yet been rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
SEE ATTACHED. 

company is refusing to dispute or even investigate reports and using stalling tactics to avoid following the FCRA.

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 2015-08-29
Company: Alorica Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
These were medical bills that were sent to the WRONG address, an address I had not lived at for 8 years. When They " Found '' me, it was already on my credit report. I paid it immediately to make it right and it was supposed to be removed. The same hospital that I paid thousands of dollar to for the same surgery did not have all of THEIR billing records up to date and now my report is suffering. This is WRONG in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Caliber Home Loans, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX mortgage payment was made before XX/XX/XXXX. Caliber is reporting this payment as a 30 day late. Would like to have this removed from credit report. My husband and I have no record of 30 days in the past 10 + years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CURO Intermediate Holdings
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had an unauthorized transaction on my account because I had revoked in writing this lenders right to debit my account, which is what they require, I called the bank to dispute it on Friday, XXXX XXXX, 2016. I had n't heard back so I contacted XXXX bank and was told today that they are not going to refund my money from Speedy cash. 

They said what I sent them does not prevent withdrawal from my account. She put me on hold and then hung up on me. They denied the claim with no valid reason.

Company response to consumer: Closed
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: NC
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 am attaching a letter that I sent to Equifax, XXXX, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: United We Collect, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from XXXX  about an account being reported by UNITED WE COLLECT INC. Please be advised this item reported to XXXX  by UNITED WE COLLECT INC is a VIOLATION of the HIPAA Act of 1996. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to UNITED WE COLLECT INC, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against UNITED WE COLLECT INC should this item not be deleted within the required time allowed by law. UNITED WE COLLECT INC is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX  as well, since they are the only bureau incorrectly reporting this debt. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home Loan was sold from XXXX to Caliber Home Loans in XX/XX/2015. It has been nothing but a uphill battle and I have been doing everything possible to remain in my home. I keep getting the run around with Caliber by getting told to talk to a different department, person, call different numbers, requested to fax this document etc. all of which I do. I went to my bank and they requested from Caliber a pay off amount in hopes to refinance and get away from them and they received no response. They did research on loan with Caliber and suggested I contact an Attorney which I did. The attorney requested an pay off amount for the loan and he also did not receive an response. I did have a conversation with caliber one of many and was told that they needed written permission to communicate with anyone regarding my account with them so I faxed them my consent. I then received a letter from Caliber stating that they were going to cease communication because I obtained an attorney. My attorney faxed them another letter stating that is not what we are trying to do. We want communication! So my next step in hopes of clearing this mess up was to contest the XXXX account numbers and loans that are associated with my mortgage and Caliber asking them who, when, and how much the loans were and provide supporting documentation. We still have not received anything. In the mean time I receive a letter every month that I am in default and at risk of loosing my home. I am told by one Caliber department to ignore that letter as it is generated by another department and that I am dealing with another department. Caliber stated that I was also behind in my taxes and asked me to provide the last 5 yrs. showing the taxes being paid so I faxed them to them. Last year I paid both county and school taxes and Caliber paid them because they were not going being paid on time.I was unable to get my money back from the county and was told the check from Caliber was sent back to them. When I contacted Caliber and informed them of what happened I got the run around. It was not until 3 weeks ago and numerous phone calls over a 2 year period that I was finally able to get online and see my account. Apparently there was a block on my account. I never received receipts, paper statements, balances, etc. I would mail my payments every month to Caliber with my account number for one loan. In the letter I recieve once a month stating that I am in risk of foreclosure there is an amount that states the outstanding debt is a lot less than the amount that appears on Calibers website when I log onto my account. I can not get anywhere with Caliber and can not begin to tell you what this has done to my health but will continue to try.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
While in the car dealership purchasing a new vehicle, the salesperson brought a loan amount significantly cheaper than the amount of money financed on my paperwork. Before signing the paperwork, I made the salesperson and the finance department aware of the mistake in amount of money financed but the higher amount is still on my sales contract after they assured me that this was not the amount I was borrowing and repaying. I received a terrible interest rate and will be paying more than {$16000.00} in interest on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Credit card
Issue: Other

Complaint:
I pay my First Niagara credit card every month online. I have had this credit card since I was XXXX. Every month I choose the same account to pay it out of ( a XXXX account ). On XXXX XXXX I made my payment as usual. Did n't have any thoughts about it, until I received a letter saying my payment did NOT go through. I immediately got on the phone with First Niagara who was generally UNHELPFUL. They did n't know why it did n't go through, but they said they would reverse the late fee and to try to make my XXXX XXXX payment as scheduled ( would be in the amount of XXXX, due to " nonpayment '' in XX/XX/XXXX ). I did, I made that payment again online. It still did not go through. Nothing on my end has changed, no change in banks, no change in accounts, nothing. Again, this is the same method i use to pay my bill EVERY month. ON TIME. First Niagara wants to act like this is some fault of mine, even though I have proof ( printed confirmation ) that I 'm making my payments on time. The last person I spoke to on the phone accused me of having a missing XXXX in my account number. How can this be when I ALWAYS use this account to pay my bill and have never had any issues?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The purpose of this complaint is to expose how First Niagara Bank covertly charged " analysis service charges '' to its customers as a predatory tactic after acquiring XXXX banks in XXXX. These charges were not agreed to between the lender and its new acquired customers nor were customers notified of this change. 

On XXXX XXXX, XXXX, First Niagara Bank acquired XXXX XXXX bank branches in upstate NY affecting XXXX households. I was using XXXX as my bank for my business account at the time. 

From XXXX XXXX through XXXX XXXX, First Niagara Bank charged my company over {$3700.00} in analysis service charges. These charges were not part of my original XXXX account agreement and I did not agree to pay these when the bank was acquired. 

These fees are predatory in nature and a tactic used by First Niagara to make the former XXXX banks more profitable and justify their acquisition costs ; these fees created additional financial surplus at the expense of the customer. Further, customers were not given sufficient time to find a new bank or given the opportunity to move their business with a notice of the new fees. 

I have made several attempts to address this issue with my local branch, but was told that they could not help me. I have also contacted First Niagara Bank and met with a regional representative. Several months have passed and the Bank has ignored my complaint. 

Had I been given notice of the fees, I would have immediately moved my business to another bank as I did not agree to the " analysis service charges '' when I opened the account. However, by the time I discovered that I was being charged, I was not in a position to change banks. My business was in the startup phase, which made it too risky to split revenues and pay vendors out of XXXX accounts. 

I hope that this complaint will be taken seriously and the situation rectified. Additionally, I believe that this issue should be escalated to a class action complaint for all XXXX families who were negatively affected and who did not agree to pay these fees when the acquisition occurred. First Niagara was opportunistic at the expense of their new acquired customer base and bank customers must be protected against predatory fees when an acquisition occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX has refused to update my credit files to reflect my current credit scores. I 've been working with a credit repair company, and I have improved my credit scores, to XXXX, XXXX, and XXXX respectively with Transunion, XXXX, and XXXX. Through XXXX, I 've been trying to get XXXX XXXX, to re-score my credit records, based on all XXXX of the credit reporting bureaus for XXXX. My XXXX scores should be a weighted average of XXXX, not XXXX, as reported by XXXX. They are reporting a civil judgment for XXXX ( Placed by XXXX XXXX XXXX ), that was satisfied by a chapter XXXX bankruptcy discharged in XXXX of 2010.

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 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a credit monitoring account and it showed that my inquiries were removed on Transunion. I received an alert a week later and all of the inquiries were listed on my account again. Transunion did not notify me of this taking place which is illegal. I called them to remove the inquiries but they only removed 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 2016-03-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My XXXX Prius was repossessed more than 6 weeks ago. I telephoned Toyota Financial Services ( TFS ) for guidance. I was told to wait for their letter. The letter came about a week later, and I read it. In accordance with that letter, I sent a check for the payoff amount ( {$2500.00} ). The check was sent " return receipt requested. '' I received the return receipt indicating that on XXXX XXXX, a TFS employee ( " XXXX ) in XXXX XXXX, Iowa signed for the check. 
Nothing happened. I telephoned TFS at a their phone bank in Arizona, as directed in the letter, and inquired repeatedly about my vehicle. Each phone call requires anywhere from 22-42 minutes of waiting time. Each person who answered the phone could not tell me what the status of the check was or the status of the Prius. Indeed, I was advised that I had to find out what TFS in Iowa was doing with the check. ( I 'm in DC and not associated in any way with TFS. ) I telephoned a Toyota dealership near where I live ( XXXX Toyota in XXXX ), and asked for their assistance. I was told to send a cashier 's check and that was all that was needed. 
Just before going to get a cashier 's check, I checked my bank account. The check sent to Iowa was finally processed. At the time the check was processed, three weeks had elapsed. 
At this time, I can not get TFS to release the car. Indeed, I can not get anyone to tell me what the status is of my car. AND in the interim, I am told that the repossession company who took the car is charging me a daily fee plus towing fees, and other fees. 
I am XXXX years old. I am relying on friends and neighbors while trying to get my Prus back. At this time, however, I have no belief that I will get my car back. 
Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
Account does not belong to me, I do not recognize this account at all, needs to be deleted

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 2016-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The 3rd party first kept calling me without me every, every receiving a 30day notice from them, secondly I did n't recall the account, I kept asking them never received anything from then, I then verbal told them i disputed the debt. I then told them the account wasnt mines, that It probably was a fraudenunt account. I asked for them to send me proof of my signature I took out this account XX/XX/XXXX or XX/XX/XXXX they gave me different dates. They told me they would dispute it, found out they never did. I then looked up the company sent them a dispute letter. They then started sending me an old statement XX/XX/XXXX, i told them that a statement was not proof that this account was proof that i owed it, when this was more of a fraud account, they refused to send me any type of proof. they put on my credit and told me that that statement was proof that I owed it. I asked them not to call me, they kept calling me and kept sending me letters stating that my dispute was invalid and that they sent me a statement back from XX/XX/XXXX that I owed the account. I found out they purchase the account and refused to send me out the correct information not did they ever send me out the 30day letter. The dispute department manager told us that the proof was they sent me a statement and that was good enough I owed the bill and told me do whatever i wanted to do when i told her this was against the law and she hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Public Record Information ( This section includes public record items obtained from local, state and federal courts. ) We have verifiedthat this public record item is reporting correctly. If you have additional questions about this item please contact : XXXXI have disputed this information with transunion, as the case was dismissed with prejudice as well as was expunged from my record via court order. I went through and disputed it for the same reasons as it should not appear per the expungment order with the other credit bureaus and they removed it as per court order. However transunion is refusing to do so. I am seeking assistance from the CFPB to have the removed from my credit file with transunionbelow was there response to my dispute : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXXSatisfied Judgment Filed XXXX ; XXXX XXXX XXXX Court ; Case or ID # XXXX ; Defendant XXXX XXXX XXXX ; Amount {$8400.00} ; Plaintif XXXX XXXX ; Status Satisfied ; Satisfied XXXX ; Verified XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed this XXXX account for {$720.00} on my transunion credit file numerous times and all I get is a letter stating it was " Verified ''. I have contacted the collection agency to VALIDATE the account and I have been unsuccessful getting XXXX to validate this account in 30 days so I know Transunion have not verified this account. E-Oscar is not a form of validation. I sent this letter to transunion : TransUnion XXXX, PA XXXX Date : XXXX XXXX, 2015 RE : XXXX, account with the amount of {$720.00} Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I included my social security number on the original page

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation