BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-13
Company: KEYCORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an auto loan with First Niagara who was bought by KeyBank. The merger happened XX/XX/2016. I paid my XX/XX/2016 auto payment electronically - which I have proof of from my financial institution ( it was paid via Bill Payment electronically ). I received a past due notice on XX/XX/2016. I called the number on the past due notice on XX/XX/2016 and questioned it. I was informed they did not receive my payment. They were going to submit a research request, which I was told would take 10 days. They were to call me with the outcome. I did not hear from them so I called again on XX/XX/2016. They still had not found my payment. I told them it was done electronically and I would provide proof of payment from my financial institution. I faxed over the proof of payment on XX/XX/2016 to the phone number they provided me. Each time I call it takes me at least 25 minutes on hold to get to someone in the loan department. I still do not hear anything. On XX/XX/2016 I receive another past due notice. PLEASE NOTE - I made my XX/XX/2016 payment with no problem ( so I am continuing to pay because that is what a responsible individual does - pays their bills on time ). I call again and go through the story again. This time they tell me they are going to expedite the research and it should only take 3 days. I confirmed the fax number again and faxed the information again. Now the fax has XXXX Service Request numbers! I still have not heard a word from the Loan Department at KeyBank HOWEVER -- I have had not one but two collection calls. I have explained my situation as nice as I can but I ask them " Did you even read the notes on my account? That I am having an issue and it is being researched? '' They could care less. In a nutshell I have done everything I can to help KeyBank find my lost electronic loan payment. They have not called me or made any acknowledgment that I have contacted them multiple times about this issue. They have done NOTHING TO HELP ME except for have collectors call me! I am very concern this is going to hurt my credit score but all they say is " we can waive the late fee ''. I ask you -- How is that going to help me when they report me more than 30 days late on a loan?. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife has a student loan and was a little behind. They call my number ( husband ) asking for her. When I ask who 's calling they first only give a first name. I press and they will say for a personal business matter. If I keep pressing they acknowledge they are calling from Citizens Bank on behalf of XXXX. They are now calling me twice a day, even though I already answered their first call today. I told them it 's too late to be calling, yet alone a second time in 1 day. He said they will call as late as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: ERC
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received a collection notice from a company called " Enhanced Recovery Company LLC '' stating that I have an unpaid balance with XXXX XXXX XXXX in the amount of {$98.00}. I called XXXX XXXX XXXX customer Service and they have no record of any out-standing debt in my name. I have n't had any XXXX XXXX XXXX service for the past seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
enhanced recovery system corp is reporting on my credit without validation i call them and asked for validation which they could not proved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
My Auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid in full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX ) on XX/XX/XXXX XXXX evidence the payoff on this account. 

Currently, this account is still showing a balance on my credit reports from XXXX, XXXX and Experian. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX, XXXX, FL 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 2017-01-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection from 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 2017-03-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please see the attached. Enclosed is a USPS report pertaining to mail fraud that supports my requests that Chex Systems , Inc. only respond via registered or tracked mail.

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 2016-01-14
Company: Accelerated Financial Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company named Accelerated Financial Solutions , LLC have been calling me and members of my family stating that they need to deliver court appearance papers to me for a debt I owe- a payday loan. Have never applied for a payday loan and they were trying to confirm sensitive information such as my social security and telephone number. They also lied and stated that my bank confirmed the amount of the loan was transferred to my account. No record of that deposit is on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
The auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid-in- full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX XXXX ) on XX/XX/XXXX to evidence the payoff on this account. For background knowledge, I am the co-borrower on this account, and my fiance is the borrower. 

Currently, this account is still showing a balance on my credit reports with XXXX, Transunion and XXXX. This is in violation of the XXXX XXXX XXXX XXXX, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-12-18
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
The auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid-in- full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX Bank ) on XX/XX/XXXX to evidence the payoff on this account. For background knowledge, I am the co-borrower on this account, and my fiance is the borrower. 

Currently, this account is still showing a balance on my credit reports with Equifax, XXXX and XXXX. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Nationwide Debt Management Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A man keeps calling my cell phone looking for a XXXX XXXX, my name is similar in last name only " XXXX '' & I do n't know this person & wish they would stop calling my personal cell ( I have had the same number for 20 years ). I did tell him to stop calling but he continues. 
The Number they are calling from is XXXX I also keep getting a recording from XXXX & it is a robot that is offering air conditioning services. 

Please let me know if you can help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
State: WA
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:
To Whom It May Concern : Experian is unlawfully breaking FCRA by not removing a collection off my account that I have disputed with them many times and I have asked for them to provide me evidence from this collection agency. The account is XXXX XXXX XXXX. Experian has failed to provide me evidence and in return come with verified without showing me evidence or telling me how they verified it. The same collection company has closed and removed this collection off my credit report on XXXX. When disputing this item Experian came with an update or verified within 2 days of filing dispute. They did not do proper investigation. Please remove this collection off my credit report that I do not own or else I will have to file a lawsuit. Thank you in advance.

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 2021-12-18
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity thief. XXXX XXXX XXXX has fraudulently accounts on my credit profile that need to be removed immediately. 

XXXX XXXX XXXX aswell

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 2016-06-20
Company: Williams & Fudge, Inc
State: SC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX University failed to communicate with me about a debt that I owed. When I was in school they notified me that I did not have financial aid, when I was in the second week of the school term. Instead of offering more loan services, I had to drop classes or incur more debt. They never sent me an original bill at my address and I had a XXXX balance at this institution. I am being contacted by Williams and Fudge, a debt collector, collecting {$1000.00}. I do n't think this debt is valid. I asked him to validate the debt for me and he could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: WESTERN UNION COMPANY, THE
State: AR
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I authorized my bank to pay {$440.00} to Western Union XXXX WU XXXX on XX/XX/XXXX. WU received the money from my bank on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX from XXXX to WU for {$440.00} ). 
WU cancelled the transaction on the same day and promised to return my money. Today, 7 days later XXXX! ), after daily phone calls, emails, and chats, they are not willing to comply with such basic rule of any banking ( or for that matter business XXXX institution. If WU had any issue they should have contacted me before cancelling ( they did n't even try ) and, in any case, NOT TO TAKE MY MONEY because they were not going to comply with WU 's side. Now that they have it, WU MUST RETURN it with the same celerity that I paid them. Additionally WU should pay for the damages caused by WU 's poor business behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Right now I 'm paying what I can but its not nearly enough to cover the past due balance, let alone the monthly minimum. 

After having to declare bankruptcy in 2011, my credit had improved to XXXX. 

When GSMR reported me 120 days past due, it dropped overnight to XXXX. Among other things, that affects my ability to qualify for employment. But I think the damage is already done. 


With regards to my account. The principal balance is $ XXXX. Unpaid interest is another $ XXXX. 

Outstanding balance is {$130000.00} Interest rate is 7.375 %. 

Past due amount is {$6100.00}. 

This does n't even include the private loans. 



My wife has student loan debt of her own around {$90000.00} with an interest rate north of 6 %. Our combined incomes lead the loan servicers to believe we can afford XXXX minimum monthly payments. This is simply not true. As her credit is better, we pay her loan payments in full to preserve her credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Applied for a credit card on XX/XX/20 with Capital One. On XX/XX/20 I received a denial letter due to Capital One unable to get my credit score, therefore wasting a hard inquiry on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have numerous medical bills that goes against the hip as law I will list them below along with me social security number : Account resolution service - {$900.00} XXXX XXXX   - {$530.00} Account resolution XXXX - {$150.00} XXXX  XXXX  XXXX XXXX  - {$820.00} Social security 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 explanation
Consumer complaint received 2021-12-18
Company: Finco Holding Company LLC
State: UT
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:
On XX/XX/2021 XXXX XXXX mst I received an email from the Equitable finance company in XXXX Utah which is attached that today your auto loan is 29 days past due and I needed to contact them to set up a plan so we can avoid further action. The company has disabled the car on XX/XX/2021 2 days after their 10 day grace period. We contacted them immediately to find out what is going on at that time they encouraged us to form a plan of borrowing money from our parents our friends our family anything just to get them paid we explained multiple times we don't have those options that if they would just reenable the car that I would have a job in no time but they wouldn't hear anything except " we have your money '' like they were drug dealers or mob bookies. We have paid them XXXX as of today and loan amount is XXXX and are absolutely unwilling to work with us in any way shape or form we pay an interest rate XXXX or XXXX unsure which since they are both on the contract. Whenever we ask the company for clarification on anything on the contract they know nothing. Fast forward to XX/XX/2021 XXXX mst my daughter was on her way to work and comes inside to inform us that there is a tow truck getting our only car. When I went outside the 2 boys who were doing this began to panic and when I asked who they were neither would answer the one operating the controls looked down and would look up again and the other asked me for the key I refused and asked what he was doing and was again ignored so I went inside to call the equitable finance company I was put in touch with the asst manager who knew nothing of the repossession that was currently happening her boss which knew nothing kept being referred to refer to your contract and I have referred to the contract there is no provision that 29 days is repossession time there is nothing in the contract whatsoever to remedy such acts the contract is as basic as it gets when asked what their policy is their responses always well we're a subprime blah blah blah blah blah when pointed out that subprime is not a legal term but a banking term they become dispondent and act like they don't understand what I mean at this point the manager gets on the phone and repeats endlessly that this is a subprime loan company refer to your contract and that's the end of that I have tried for 2 months to work with them and gotten nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a 15 year term 4 % simple interest mortgage loan with Citizens Bank that initiated XX/XX/XXXX. I always paid the monthly loan payments early, frequently by more than a week or so. Until XX/XX/XXXX, the bank provided payment coupons that did not itemize how the payment was applied- interest vs principal. This year, Citizens Bank began providing monthly statements providing a breakdown of interest vs principal. Recently, I happened to review and calculate the bank 's breakdown of interest vs principal on a current monthly statement. I found that the bank had erroneously calculated the breakdown, applying more of the payment to interest ( about {$40.00} or so if my recollection is accurate ) and a correspondingly lesser amount to principal, thus erroneouly overstating the principal balance due after payment was applied. I then went back and reviewed the other statements for this year and found that they all contained erroneous calculations of interest. I contacted the bank, and was told by a representative to " put a sticky note '' on the statement when paying, disputing their calculation. Finding this resolution unacceptable, I asked to speak with a supervisor. A supervisor reviewed the statement and had no explanation for the improper calculations of interest vs principal. I asked for a review of my account and that the bank send me a print out of my payments and their calculations. Because this is a " simple interest '' mortgage product, the fact that I would always pay the mortgage payment early, usually substantially so, would result in a payoff sooner than 180 months. It appears that Citizens Bank has been recalculating the interest/principal apportionment to insure that the final payment is not reached until the full 180 month term. I have not received the promised follow up by the bank. I would very much appreciate your investigatingthe bank 's activity re account. In a follow up communication, I can scan in and provide you with copies of the erroneous statements. Citizens Bank 's conduct appears unfair, deceptive and abusive and a violation of the Act. Thank you for whatever assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I WAS CHECKING MY CREDIT REPORT AND I AM I UNWARE OF THESE DEBTS FROM THIS COLLECTION AGENCY. I DO HEREBY REQUEST THAT THIS OFFICE PROVIDE ME WITH COMPLETE DOCUMENTATION TO VERIFY THAT I OWE THE SAID DEBT AND HAVE ANY LEGAL OBLIGATION TO PAY THIS DEBT TO ERC. Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed ERC {$410.00} OPENED XXXX XXXX, XXXX ERC {$350.00} OPENED XXXX XXXX, XXXX

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