BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-14
Company: MST Financial Services, L.L.C.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent full amounts to Chapman Financial Services couple months ago for past due collection and they refuse to apply it to the debt amount balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Personal loan. Or installment account. Account close paid as agreed Personal loan XXXX XXXXXXXX XXXX. Updated XX/XX/XXXX XXXX close account PAID AS AGREED Updated XX/XX/XXXX. XXXX Updated XX/XX/XXXX Updated XX/XX/XXXXXXXX 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 2022-05-03
Company: Experian Information Solutions Inc.
State: MD
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 XXXX 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 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 explanation
Consumer complaint received 2021-01-27
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 I XXXX XXXX entered into a consumer credit Transaction with GM FINANCIAL. Money was taken from me as a down payment in a consumer credit transaction in which a finance charge was involved. Pursuant to 15 USC 1605 The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction. GM FINANCIAL also didnt include my insurance in the finance charge which is supposed to be included. These are all violations of my federally protected consumers rights. Pursuant to 15 USC 1635 GM FINANCIAL did not include my right to rescission which theyre obligated to do since a security interest was given by me, nor did they inform me that I had 30 days to dispute the validity of the alleged debt pursuant to 15 USC 1692g ( 3 ). More violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Genesis FS Card Services, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Two automatic payments of {$40.00} were debited within 2 days. The first on XXXX, the second on XX/XX/2022. 
On XX/XX/2022, at XXXX XXXX CST, I engaged with XXXX, in the XXXX representing Indigo Credit Card Co. I advised I was looking directly at my bank statement, he gave fax # of XXXX XXXX XXXX but wouldnt give a turnaround time. When I stated my concern that there may be 2 payments deducted in XXXX and requested a supervisors name and a callback he disconnected the call. 

XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute last XX/XX/2021 with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notification in regards to the investigation results. It has been over 36 days. I files a 30-day demand to comply with the credit bureaus and still have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We originally had our mortgage with XXXX  XXXX XXXX for many years. Because of covid and our business shut down for 2 months, we applied for the relief. XX/XX/2021 we were wanting to start making our payments again, and XXXX  XXXX XXXX sent us a loan remodifacation, which cut interest rates and payments practically in half. Which we were excited about. Then they sell us to this Mr. Cooper ( Nationstar Morgage ) so then its in review with them. I had set up their app on my phone, but they would not let me make a payment. They just kept on saying it takes time when you are being transferred and loan remodifacation, there is nothing you need to do. Then finally in XXXX, our loan remodification was approved and so we waited for the paperwork to come, which it never did. Then as of XX/XX/XXXX, they are saying it expired and we have to fill out an application and start over ... ..I feel like this is very shady and I am sure they are not going to give us that rate and probably higher than what we had originally. I also called multiple times to find out what was going on with our loan and they were like Oh we will get this expedited for you and still never got our paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-01-16
Company: Bridgecrest Acceptance Corporation
State: VA
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 purchased a XXXX XXXX XXXX  in XXXX of XXXX. Upon receiving the car, the rear brakes were toasted, Tires were XXXX made and the engine was VERY noisy. The Brakes were fixed, the tires replaced ( {$500.00} ) and 5 months later the battery failed ( {$200.00} ). So far {$750.00} out of pocket tires/battery. XXXX of XXXX the engine refused to remain running at stop signs, stalling 12+ times a day. XXXX Rebuilt the engine at a total cost of over {$4500.00} with parts/labor/dealer ship repairs/rental car. After an oil change the stalling has started again. Based on my records, this car has had close to {$5500.00} in repairs in 18 months ... REALLY? So, I elected to cash in the extended warranty. I e-mailed the warranty company and that was handled promptly, and efficiently, however, Bridgecrest claims they never received the money. After about 2 weeks I called them 4X today each time on hold for over 15 minutes. Last supervisor finally admitted they get paid via XXXX  ( warranty company ) 2X a month and that the payment would not post for a week the XXXX, BUT ... get this.. car is scheduled to be repossessed starting on the XXXX of this month. XXXX.. I made a small payment today, to stop this as requested. I owe about {$370.00}, the warranty check is for {$1000.00} ... more than enough to get me caught back up. But they REFUSE to post to payments and want to post to principal of loan ONLY ... XXXX again ... If XXXX can post warranty cash out to payments, why can't Bridgecrest. this is the first in many complaints to be filed ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Google Compare Credit Cards Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX & XXXX I had XXXX unauthorized charges to my checking acct from : XXXX XXXX XXXX XXXX XXXX XXXX Then XXXX XXXX for {$330.00} appeared. I called my bank immediately and they cancelled my debit card. 

On XX/XX/XXXX & XX/XX/XXXX I noticed more charges on my checking acct from XXXX XXXX XXXX XXXX  XXXX for {$330.00} each I called my bank ( XXXX XXXX XXXX  again and they cancelled my new debit card again. I tried to call the XXXX phone number but do not get a real person. 

I never authorized these charges and need them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Avant Credit Corporation
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This loan was taking care of and XXXX is still reporting it as unpaid and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, 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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for committing identity theft. I have never given WORLD FINANCE CORPORATION any permission to use any of my identifying information to commit mail and tax fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 usc 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WORLD FINANCE CORPORATION can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and WORLD FINANCE CORPORATION continues its collection efforts, I will file for litigation for actual damages caused and WORLD FINANCE CORPORATION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for forbearance as a result of unemployment back in XXXX 2016. Since that time, Freedom Mortgage has consistently delayed processing my request with frivilous requests that I resubmit paperwork already provided in triplicate, documents they never disclosed at the start as requiring. They also delayed my request b/c the single point of contact assigned to me took a week off for personal business without having anyone work on my account during his absence ( XXXX XXXX ). He also failed to touch my file when I submitted paperwork but would delay processing my paperwork for 3 to 5 businsess days ( XXXX XXXX ). New single points of contact were assigned multiple times with and without my request for change, which added more delays. The single points of contact failed to look at the paperwork provided and would ask me to resubmit paperwork because I had provided so much paperwork ( which was result of their frivolous attempts to delay ). Four months later, I have found a job and now I am being penalized with penalties that were a direct result of Freedom Mortgage 's delays ( not mine ) and I am being penalized with an increase in interest rate. They are restructuring my loan rather than granting me the forbearance during the periods that I was unemployed because I am now employed 4 months after I filed for forbearance - so I am being penalized for having getting a job instead of waiting for them to finally process my request for forbearance. They have ruined my credit score with all their delays so I ca n't go to another lender.

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 2015-06-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
An unauthorized debit was made on my debit card. In another state. Same day debit was made by me in my home state. Looking at the timeline it 's obvious I could not have made the purchase. I requested a new card and disputed the claim. The bank has denied and will be redebiting my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I am writing to express my concerns as to the transfer of the credit card services to CITI Bank. I have been a loyal Sears customer since XXXX. On Saturday XXXX XXXX I received a letter from Citi writing that my account was past due and to pay {$57.00} today. It also when on to say that the delinquency was being report to the credit bureaus. I could not believe what I was reading and in turn called XXXX where I was greeted with the rudest people that I have ever talked to. I explained that I never received a bill from Sears or Citi bank the representative then said it was emailed to me. I then explained do not get any of my bills via email they continued to say that was impossible and I received the bill and that was all there was to the issue. I again asked why did n't I get a paper bill they said it did not make any difference they wanted their {$57.00} plus late fees of {$65.00}. 
The purchases were made in XXXX XXXX but I had not used the account since XXXX XXXX. I just was appalled of the verbal abuse that I received from the customer service department. I then asked how did the letter get to me and not the bill? I still do not understand how they had my email address the only logical thing that I know of is that XXXX just transferred all their accounts from XXXX XXXX to Citi bank the same as Sears transferring their accounts to Citi bank and that the information was shared between units. 
After my very unsatisfactory conversation from Citi Bank customer Service I called Sears Customer Service who was very apologetic for my experience. They also removed the late fee payments and continued to state that there have been a large number of accounts that did not get their bills. She also said this is particularly true for accounts that have not been used for a long time. 
The rudeness and verbal strong arming is not the way to conduct business maybe it is again the minimum paying job where they are not paid to think or research instead brainwashed into give me the money now ....

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 2016-06-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have routinely made extra payments on my mortgage loan through Chase Bank since XXXX 2012. I have instructed the bank to post and apply any extra payments toward the principal ; as our purpose for making extra payments is to pay off the loan. I have called the bank several times to question why Chase keeps extending my due date on my mortgage statements because this seemed odd to me. I have never really got an answer that satisfied my question. Long story short ... .today I 'm looking at the escrow online and I see that the balance is approx. {$13000.00} already and it 's only XXXX and it finally dawns on me what Chase has been doing with my extra payments. My taxes are approx. {$10000.00} per year and I pay for insurance ourselves so they 've simply been putting this money into escrow and not applying it towards the balance which make NO sense at all especially since I 've called and questioned how my payments are being applied on a number of occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
THE COMPANY XXXX XXXX  IS REPORTING ON MY CREDIT REPORT AND IT SHOULD NOT BE IN WAS INCLUDED IN BANKRUPTCY, THIS SHOULD NOT BE REFLECTING NEGATIVE INFORMATION ON MY CREDIT REPORT. IT SHOULD NOT BE ON THERE AT ALL, IT IS AFFECTING MY CREDIT REPORT

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 2022-06-20
Company: Experian Information Solutions Inc.
State: AZ
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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2020-04-21
Company: EQUIFAX, INC.
State: KY
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: Problem with personal statement of dispute

Complaint:
Shopped for a new car and auto dealers checked with 37 inquiries without myy consent I certainly did not authorize that many inquieies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
To the Consumer Financial and Protection Bureau I enrolled to a debt settlement program after my XXXX from the military after the few years of negotiating to a XXXX or more creditors they finally settled some of it some are they violated my rights and end up to a harassing call XXXX of this creditors are the XXXX and ended up happening to settle out of court my debt settlement company agreed not to file a law suit in order to forgive the debt. another debt a XXXX an unsecured debt that already been settled by my settlement company the XXXX. now the issue here is what ever i do to check my credit reporting still showing a negative impact to my credit report now I cant even get approve to purchase a home because of this XXXX credit reporting agency wont fix what is the right credit report. I hope your agency can give me an answer.

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