BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 {$1000.00} spam calls all day non stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: BANCO POPULAR DE PUERTO RICO
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received my XXXX statement dated XX/XX/XXXX when in actuality I received this in the mail on XX/XX/XXXX. My bill was due on XX/XX/XXXX. I noticed I had a charge for the annual fee and saw that my credit limit had dropped from {$7200.00} to {$4300.00}. I do not understand how that was possible, given I pay all my credit cards on time. I never received a letter in the mail indicating the why. I called the number on my statement and every single customer representative told me to contact XXXX since Banco Popular does not handle that. They continuously transferred me to the XXXX XXXX. Which then the airline transferred me back to the Banco Popular staff. After about 1 hour and 30 minutes later, and the 9th person I was transferred too, I asked to speak to a manager at Banco Popular. The representative on the phone who I was talking to clearly decided to say she couldnt here me at all and ultimately dropped my call. I tried to call back and waited 20 minutes on hold with another number that was given to me ; I was given 9 different numbers from all the representatives that I spoke to, I spoke with someone and said I needed to speak to a manager since Ive been on the phone on hold for now almost 2 hours with no resolution and she blatantly told me well I aint those reps, Im someone else. So imma try to help ya out but you dont wan na help me. And then I was disconnected. I was never rude or defiant or disrespectful. I just clearly asked to speak to a manager to find out why my credit limit decreased with zero notification. I logged into my account and there is no letter history indicating that a letter was sent to me. If I knew this customer service was going to be like this, I wouldve never applied for this card. I also do not agree that this CC company holds payment updates for over 15 days. They take your money as soon as you pay, however, they refuse to update the account and report that you have a carryover balance. This is wrong, especially for individuals who are working on their credit. I regret getting this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: LA
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:
I put an fraud alert on all  XXXX  credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.             XXXX   :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX    XXXX    XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  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  Inquiry Type : Individual Requested On :  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 2017-06-07
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Afini Inc, ha s place  XXXX  accounts on my   XXXX   and   XXXX   credit report. I have been a victim of identity theft and I submitted my police report to  XXXX , and the other credit agencies. I have never had an account with  XXXX   XXXX  or   XXXX   and I keep telling these companies that. I am a victim of identity theft and this account is NOT mines . Afini does not have any validation nor did I receive anything in the mail for either of these accounts. My rights have been violated and they need to remove these false accounts off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: OKCoin USA Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I opened an account with Okcoin for {$100.00} to purchase crypto currency XXXX XXXX ( XXXX ). The money was transfer to XXXX XXXX XXXX XXXX from my XXXX checking account. About 2 weeks ago I decided to withdraw my money which was about {$130.00}. Okcoin took out it's sevice fee than told me my account was in withdrawal suspension.The reason given was that the XXXX transfer failed and my account was opened with pre pay credits.I spoke to XXXX and they confirmed the transfer was sucessful and the {$100.00} was debted from my checking account. I called Okcoins customer service number and spoke to someone named XXXX and he told me if I wanted to withdraw my money I would have to deposit {$1100.00}, than hung up on me. I called back and spoke to someone named XXXX and he told me to " XXXX XXXX '' than he hung up. I have been writting e-mails to Okcoin and getting responses from someone named XXXX who keeps telling me either the transfer failed or today received an e-mail stating that now I had to fill out more paperwork as a security check in order to confirm my identity. The Okcoin reference numberwith XXXX and Okcoin is # XXXX. Any help to get back my money would be greatly appreciated but more important is to stop this scam and fraud of Okcoin. Thank you, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: TX
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 am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in questio n (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ).  They admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  XXXX  they have hurt. Their mistake cost me  XXXX  points on my  credit score.    Contract monthly payments are  XXXX . We pay  XXXX /month to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.

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 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in questi on (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ). Th ey admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  XXXX  they have hurt. Their mistake cost me  XXXX  points on  my credit score.    Contract monthly payments are  XXXX . We pay  XXXX /month to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.

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 2017-06-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I can not pay my loans the day they are due due to having other bills due that are more important ( rent, utilities, etc. ). I have explained t his to Wells Fargo for the last two months, and have asked that they stop calling me. They told me they have to call me. The most I got was a seven da y call stop after I told them the earliest time I could pay. On  XXXX / XXXX / 17  I receive d four  calls from them between  XXXX  and  XXXX , and the next day is when I asked them to stop calling me.On  XXXX / XXXX /   17  I rec ieved five calls from them. I can not do anything about not being able to make my payments when they are due, and while I have not pursued the option of changing my due date ( in part because when I call it has never been offered ), I have tried debt consolidation with them and they will not consolidate it.I get the calls on my mobile phone and most of the calls come in while I am at work, when I can not take calls, which I  have explained to them as well.

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 2021-11-12
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 - Received confirmation that XXXX received file for loss mitigtion and requested missing documents which I promptly sent ( email digital trail ). 

XX/XX/2021 - XXXX emailed requesting Property Tax Bill and proof of Homeowners Insurance which were not on the original request for documentation. 

XX/XX/2021 - I called to follow up because I had not heard from XXXX. I was told that they had received to documelntation but they had not processed the documents and would expedite. 

XX/XX/2021 - XXXX asked via email for the same documents I had already sent which XXXX had already confirmed received. I was transferred to collections who did not receive documents and replied " We can not complete our evaluation of your application unless we receive additional information. '' I resent documentation. 

XX/XX/2021 - I phoned XXXX early morning to confirm receipt which XXXX confirmed XXXX 

XX/XX/2021 - Received letter regarding our " XXXX missed mortgage payments '' and to contact XXXX at ( XXXX ) XXXX. Impossible to get through. Phone records show the many attempts I tried. I was able to get to castellcustomer service but impossible to connect with Loss Mitigation. I asked Customer Service to have a supervisor call me multiple times often waiting for an hour on hold before their system cut me off ( phone records ). 

XX/XX/2021 - Sent missing application with request to exit from the official forbearance plan. 

XX/XX/2021 - XXXX sent letter stating that I had been assigned a Mortgage Resolution Advocate, XXXX XXXX who never contacted me and I was not able to contact XXXX. 

XX/XX/2021 - I was assigned a new Mortgage Resolution Specialist, XXXX XXXX ( XXXX XXXX ) who was supposed to contact me within 5 days. This did not happen as seen by incoming calls on phone records. 

XX/XX/2021 - Received letter requesting additional information not in first XXXX requests. Paystub and P & L statement which were not applicable. After many phone calls, it was declared by XXXX that the underwriters had misunderstood the last paragraph in our written statement. 

XX/XX/2021 - We received a copy of the appraisal. 

XX/XX/2021 - Another letter about our now XXXX missed mortgage payments. 

XX/XX/2021 - I had been checking myloancare.com portal every day to check on status and saw that XXXX confirmed receipt of complete application and was sending to underwriting. Stated that I would receive packet in XXXX days with exit plan. 

To date, I have not received anything. In following up, I was told that myplan was with their law firm for final approval and XXXX would check on status and let me know within 3 to 5 business days. I haven't heard anything to date.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX -XXXX Account number : XXXX XXXX XXXX XXXX  Account number : 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 2017-06-07
Company: TCF NATIONAL BANK
State: IN
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:
TCF BAN K IS FAILING TO REPORT MY ACCOUNT TO  XXXX  CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I bought the car in XX/XX/XXXX, at that time I was employed as a XXXX making $ XXXX/yr. I lost that job inXX/XX/XXXX and was out of work for about 6 months. I asked Nissan several times to possibly lower my payment to accommodate my reduced income. They refused. They suggested a refinance, even while seeing how I 'd started to call behind in my payments. The next job I took on ( out of desperation ) started with a base pay of $ XXXX/year. Still, no help from Nissan. They deferred ONE payment a few times, even though agents have made comments on various calls as if a TWO payment deferment could have ever been an option. <P/>I called NMAC onXX/XX/XXXX, spoke to XXXX. She confirmed the car was out for repo and the # of days/payments owed. She confirmed that I needed a minimum of {$580.00} for XX/XX/XXXX payment to put a hold of the repo. I asked her a few times if this one payment would hold the repo action, and she confirmed. She suggested to call back with a payment confirmation # before XXXX, so that they can guarantee contact with the repo vendor. After XXXX, they could no longer guarantee. I made arrangements to get the {$580.00} and paid it. I called back and spoke with XXXX ( or XXXX? ). She confirmed the same info, took my confirmation #, and left me on hold for apprx 6-7 minutes while she " documented this '' to the account. XXXX ( or XXXX ) confirmed that she 'd noted my account and put the hold through on the repo. We confirmed my next payment arrangement forXX/XX/XXXX payday forXX/XX/XXXX payment. <P/>The morning ofXX/XX/XXXX, I was late for work because I did n't realize that Nissan came and got the car anyway. I called NMACXX/XX/XXXX apprx XXXX, and spoke with a supervisor in collections named XXXX . He said I needed to speak to Reinstatements, who would n't be in for another hour. XXXX confirmed that XXXX was correct in everything that she told me, however XXXX made it seem that neither collector should have provided assurance that the payment arrangement would suffice. I still have no clue as to where my vehicle is, why they did n't honor the hold, etc. <P/>My complaint is that NMAC is ok with collectors using deceptive practices, answering direct questions from me as a consumer, with deliberate inaccurate information. They lied to get me to make a payment, knowing that they would still allow the vendor to repossess the car anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: EQUIFAX, INC.
State: TX
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:
over 3-4 months ago. I submitted identity thieft documents over to all the credit buerueas, XXXX, equifax, and XXXX. XXXX  and XXXX did the proper steos and blocks the items due to fraud. XXXX  and XXXX sent the same information overt, saying that the information was fraud and they block the accounts and inquiries from my credit report.Equifa is the only credit beureaus that has XXXX   from XXXX that has very poorly english and they wont do nothing about it. equifax ignors the documents that has beem sent which is my Ftc report, fcra block letter, Equifax block letter and a extra affidavit notrorixed by a notary which makes it legal by court and law. Under the fair credit reporting act section 605b I can request that these accounts and information be block due to fraud. they tottally crazy the amount of time they takes, the foreigners they use that cant speak english and all of the legal information that I sent to them and they have done nothing towards my credit report but send me copies of new credit reports without the information that i requested to block. I also submittet a affidavit notorized saying that 1. I hadnt recieve any goods.2 I didnt make any mistakes,3 I am not making a false report.4. this is a legalized document that can prosercute me under the laws of the united states of american if I'm lying.  Lastlying the FTC reports allows me to request that these items be block if i beem a victim of fraud and the items im requesting to block is a victim of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: MRS BPO, LLC
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:
Six months ago A Georgia Company called XXXX XXXX entered a false report of a delinquent. XXXX Account. I went through the process of contesting the Debt and they were unable to provide any proof of Debt. 
They have now either sold or transferred this fraudulent charge To MRS Associates in XXXX XXXX New Jersey. 
Do I have to go through the whole process of proof of Debt letters agin to this different company? 
IS it legal for collection agencies to just keep selling or transferring a debt that his been proven to be unsubstantiated?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the a mount due, the excess amount is a prepayment. https :  XXXX  Very truly yours, /s/  XXXX   XXXX

Company response to consumer: Closed with explanation