BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-10
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am currently due for my XXXX XXXX payment on my vehicle. I have been receiving numerous phone calls after the seven day grace period. Yesterday I received XXXX calls back to back at XXXX, XXXX, XXXX and XXXX. I had missed those calls and they kept calling back. That is harassment! I worked collections and there are rules against constant calling and hanging up and calling back again and again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16
Company: Exeter Finance Corp.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoken with them several times in a year. An in XXXX they informed me yes they sold my information to a third party without my knowledge. Also, I told them that I dont owe them anything because my car was paid off by insurance XXXX an Gap an they said no. I also informed them that constantly calling me an telling me that my credit score would be damage was inappropriate. But on my credit they written several negative things. An I didnt give Exeter financial Corp no authority to sell my information to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Paypal Holdings, Inc
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I ordered an item from XXXX that turned out to be defective. I Tried to dispute the charge first with XXXX, then with PayPal. Talked with both companies and was sent back and forth multiple times, but finally was told that I had to contact Paypal to dispute a charge. PayPal immediately marked the case as closed and its help information told me I can appeal their decision, but they did not have a functioning dispute/appeal process in place and they only give XXXX  days to appeal. The resolution page has not been working correctly, so I can not appeal and they have no way to contact them available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I bought my home in 2004 with Wells Fargo Home Mortgage services. The Wells Fargo loan agent refused to let me finance the mortgage as one complete 30 year mortgage and manipulated the closing process such that on closing day I was faced with either accepting an " Equity Line '' to finance half of the home or the closing could not proceed at all. I told the agent that I did not want, nor need an equity line to purchase the house but the agent was adamant that the Equity Line would not cost any more than a normal 30 year mortgage at the average rates XX/XX/2004. I was told that I could not buy the house any other way.

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 2020-09-28
Company: EQUIFAX, INC.
State: IL
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:
Requested Covid 19 Hardship company accepted but claimed check was not received but they had cashed it over a month ago. Report I was late XXXX appox.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX, XXXX Balance : {$72.00}

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 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I applied for a credit card with Bank Of America. On XXXX XXXX, I received a letter from Bank of America stating I needed to contact the credit bureau agency XXXX to ensure the information contained in my consumer statement was accurate The information that needed corrected was for my phone number to be added to the fraud alert. 
I reached out to XXXX for the request to add my contact number to the fraud alert. I was told by XXXX that my contact number was added I called back Bank Of American and I was told they would need to pull my credit to check. After it was pulled I was told my contact number was not added fraud alert and needed to called back XXXX. I called back XXXX and they told be I had to speak to the dispute department to add of which I did. After I was told it was added I called back Bank of America to informed them my contact number was added. I was told my credit will need to be pulled again. After it was pulled I was told my application was denied due to recent inquiries on my credit report. This is discriminative and I am very unhappy with the reason for the denial since 3 of the inquires was for the Bank of America credit card application

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 2017-02-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Bank , N.A . is holding me hostage, by claiming I owe them around {$220.00} in late fee 's. I have had this Home Equity Line Of Credit, abreviated, ( HELOC ) since approximately XXXX 2007.This is a 1st position loan for which a piece of Real Property was used as collateral to provide Wells Fargo , security. Now that I have just about paid the entire loan balance to XXXX, they are claiming i owe them even more money. I have asked them for proof of their late claims, for which they have claimed they have sent, however I have never received. Even if they sent a statement showing late payments, I still would not believe it to be factual simply because their credibilty is worthless. I believe Wells Fargo has purposely withheld, delayed and thrown away payments anytime they ever received a payment via mail just to generate fee 's and thus those departments that were assigned to process payments would receive bonuses for generating extraordinary late 's & non-payment fee 's. Further more, Wells Fargo has caused me deep damage not only by charging me these late fee 's, but also by reporting these lies to the credit bureau 's.

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 2023-01-31
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered an oven from XXXX online. It was the wrong size so I cancelled it on the same day. 
They use a 3rd party finance company called Affirm which I had used many times previously. 
Affirm will not remove the debt despite my having cancellation confirmation from XXXX and despite XXXX reaching out to them. 
Affirm has been texting, emailing and writing to me trying to collect a debt for an item never shipped or received from XXXX. 
They say I owe them {$1300.00}. 
I have submitted to them copies of emails from XXXX and still they will not leave me along. This began last summer. 
I feel this need to be addressed and to be something that future consumers need to know as to how Affirm and XXXX handle this type of issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Arundina, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My elderly client missed her first payment in XXXX of 2023. She contacted the mortgage servicer in XXXX of 2023 to make a payment for the missed months of XXXX and XXXX, but the servicer rejected it as a partial payment, requiring that she pay all the payments through XXXX. At the time the servicer rejected her payment, it was less than 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Paypal Holdings, Inc
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Venmo has my account locked. When I sent an email inquiring about this. I was sent back a response that it needs more attention from a different team and that they would get back to me in XXXX to XXXX working days. That's ridiculous. I was given absolutely no reason why it was locked, why I would have to wait so many days and why it was being transfered to a different team and from what team originally looked at it and to what team they were sending it to. Like no answers whatsoever and just wait a week and a half until we can tell you anything. I think something happened on their end and they do not want to disclose what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2022-08-29
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened XX/XX/2017 Balance {$100.00}

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 2015-05-07
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This account was established over 10 years ago. I closed it by choice between XXXX and XXXX. I informed the creditor at that time that I needed to arrange a lump sum payoff settlement amount because of financial hardship but they declined my offer. However, I continued to make the minimum monthly payments until XXXX. In XXXX, I became financially unable to make the payments anymore and the account went into default. Recently, my husband was given a summons by the lawyer of the creditor for a law suit against me. I called the lawyer and tried to negotiate a lump sum settlement amount of {$3000.00} but it was denied because he said it was too low. I can not afford the {$6000.00} settlement he countered. The main point is that the debt is too old to be sued on and the debt has been discharged on my credit report for quite some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX Date Opened XX/XX/2017 Balance {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My brother and a friend bought a small building in XXXX and took out a XXXX loan from TD Bank several years ago. 

The partnership went downhill after my brother learned that his partner was not paying his half of the mortgage. Loan payments stopped and TD Bank started foreclosure. 

My brother and his partner negotiated their interests in the building. My brother contacted TD Bank directly to repay the loan but was told to deal with the bank 's outside lawyer. Negotiations and court appearances were held to get out of foreclosure. The bank 's lawyer wanted compensation of {$100000.00} for legal fees. 

By XX/XX/XXXX, the amount to be repaid was agreed and negotiations for legal fees were finalizing. Funds were sitting in an escrow account waiting to be sent to TD Bank. A few months later my brother XXXX unexpectedly. The Estate 's attorney made clear that the Estate ( and myself ) would abide by the agreement and were eager to get the building back because that 's what my brother wanted. The Estate continued and still continues to pay all property taxes, utilities, and maintenance. 

In XX/XX/XXXX, our lawyer found out that TD Bank sold the note to a private party at a discount to what we had agreed to pay. We were never formally notified. The note buyer said that the TD Bank loan officer told him that the note was being sold because we did not have the money to pay it back. That is not true. Why were we shut out when we had a pending agreement with TD Bank? Why were we paying upkeep of the building if we were not serious about the agreement? 

This has been a horrific year for me, made worse being dragged through this foreclosure process. Our lawyer has been very frustrated ; he is not sure his communication and offers to the bank went past the bank 's outside counsel. And just this morning I heard that the note buyer wants XXXX what was owed the bank if I want to buy it. 

I would appreciate your help in investigating the handling of this foreclosure. Why was a note ( and the building ) sold at a discount when there was an owner ready to pay more? Was something done illegally and against proper banking procedure?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00}

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 2022-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.

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 2017-01-30
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have contacted Chrysler Capital more than 10 times reference the current payments of {$490.00} on a {$6300.00} balance with a maturity date of XX/XX/XXXX. My car was a total loss on XX/XX/XXXX, my insurance company XXXX issued a check in the amount of {$14000.00} dated XX/XX/XXXX to Chrysler Capital and the automobile GAP coverage issued a payment of {$7700.00} on XX/XX/XXXX to Chrysler Capital. My request to Chrysler Capital is to adjust the payment amount to the maturity date XX/XX/XXXX which did not change from the original amount of months to pay. I have paid on the account but they determined that the payments was only applied to interest which shows that the company is doing whatever they want to the customers. If calculated the payment should be around {$210.00} per months. The current payment of {$490.00} * 34 months remaining on loan, would add up to payments of {$16000.00} based on the maturity date. I need help I want to pay the amount i owe but based on my contract maturity date. I am only asking them to adjust the payment to the maturity date simple math. I called them several times the customer service representatives were rude, forward calls then ended the call before connecting to the supervisors, request for supervisors call back never materialize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: C B Merchant Services
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 filed a complaint with XXXX and investigation took well over 30 days,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please REMOVE these items as soon as possible. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-16
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX put a medical bill on my credit report and i informed them that it should be send to XXXX XXXX  and they send the bill and XXXX XXXX paid the bill but they still have it on my credit report and i want it removed off my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced a multi-dwelling property loan and after closing the transaction I noticed the property address was missing part of the address. I have been calling the mortgage company over 3 years requesting the address to be corrected or updated with no avail. I even submitted lots of legal documents such as property tax bill showing the full property address and they refused to update it saying I need a 911 form GIS no one in this mortgage NewRez servicing loan company can show me what kind of form that is to provide it. XXXX XXXX Sheriff Dept does not know what form it is, XXXX XXXX County assessors office does not know either. I am EXTREMELY exhausted dont know how to legally resolve this.

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