BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-22
Company: Consumer Portfolio Services, Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My issues begin from the beginning of the loan when I was told that the amount I was financed and the blue book value of the car was to much. I tried and make the payments but due to financial difficulties beyond my control I was making them but not on time. I also lost my insurance and in my state you must have insurance on a registered vechicle at all times. This caused me to be sanctioned by the state and the penalty was to pay a fine and a hold on the license for a certain time frame. I put the car in a parking garage in my area to avoid and tickets so on. The parking garage was expensive and then I also fell behind with them. I am a new tenant in my apartment and the neighborhood and did not receive no mail for about one month before I went to the landlord and post office. In the meantime to parking garage contacte Consumer Portfolio and they gave me less than 2 weeks to come up with this large amount of mone and the car was picked up by another state. I had no way of getting the money or no way to reach the car. I was informed that the car is going to an auction and them I will be reported to the credit bureaus in my state. I would like to find out how I can get them reported for all the XXXX this has caused with the phone calls and letters and the no responce calls I made to them. I do n't need this on my credit report, I just want to put this behind me and move on with my life. I am employed and have been for quite some time on my job and would not like this to cause me to lose my job. I work for a law firm in my state and would not like to have my reputation tarnished by a corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Hello, I am the co-signer of a Sallie-Mae private loan. This loan is more than XXXX paid off and in good -standing. Sallie Mae is harassing both my daughter and myself by calling us non-stop multiple months in a row stating payments have not been made. Payments have been made ; however Sallie Mae does not process them in -time or properly. From my end, payments have been withdrawn from my bank account and then not applied for XXXX weeks to the account. This month, I made a payment with Sallie Mae 's own internal payment system and received a confirmation number. This was on XXXX XXXX. Payment was processed on XXXX XXXX. I called on XXXX XXXX to speak with a customer service rep to re-confirm this was what was showing on their computer screens. I was told yes this is correct and that payment was applied. Harassing phone calls continued throughout the holiday weekend. XXXX XXXX another harassing phone call arrived in the afternoon. When I returned the call, the service representative answered the phone and stated I had an overdue balance and asked me how I was going to " take care of the balance due today ''. I informed this representative payment was processed and already paid. She went on to ask if I had the correct address. I informed her that yes I do ; however, this payment went through Sallie Mae 's own internal payment system over the phone. When she indeed checked, she confirmed that the payment was processed and that the account was current. I requested the harassing collection calls to stop and she verified that they would indeed stop as of that phone call the afternoon of XXXX XXXX. My daughter and I both received another call XXXX on XXXX XXXX. I have since blocked the Sallie Mae number on my phone and have advised my daughter to do the same. I informed the service representative that I had investigated the bill pay software on my computer. When prompted for address changes/updates, the program states " Sallie Mae will contact us with address changes ''. I have correct address for bill payments, but since the program does not allow me to manually put them into a payer with established contacts such as Sallie Mae, I have decided to mail future payments. The representative told me not to mail the payments because they have a slow time processing the mail. I do not have any problems or difficulties with any other loans or any other bills I pay. I would respectfully request Sallie Mae to stop harassing both my daughter and myself with phone calls when payment has already been sent. I further request all late fees from this year be removed from this loan. I would also like an apology from someone for all of these harassing phone calls and loss of time from my day. 
Sincerely, XXXX XXXX XXXX, XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Paid student loans to Sallie Mae ( I 'm co-signer for my son ) - XXXX separate loans beginning XX/XX/XXXX. XXXX began XX/XX/XXXX when I paid the installment payments for the the XXXX loans through my banks bill pay system. Sallie Mae lost XXXX of the checks and asked that the bank send photo copies of issued checks to which my bank said it was unable. Sallie Mae requested the checks be voided and reissued. To avoid the problem repeating itself ( lost checks ) I submitted payment electronically in one lump sum for the XXXX loans whose payments were lost. Between the XXXX check for XXXX of the loans they did receive and the lump sum electronic debit for the XXXX loans whose checks were lost, Sallie Mae applied incorrect amounts to the loans. So they applied larger payment to loan requiring smaller payment and applied the smaller payment to the loan requiring the larger payment. Consequently, XXXX loan shows that I 'm behind and the other that I 'm ahead. I 've have spent hours - approximately over 7 hours with countless customer service reps - each time having to hear how I 'm late and need to pay and no nothing about my situation. I was required to send copies of my bank statements to prove I had paid. I have visited with managers who say that they can not redirect already allocated payments. I continue to receive emails saying my account is past due when it is not. It has been over 3 months now and it is still not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01
Company: Northstar Location Services, LLC
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I work for a XXXX. I received an message from a XXXX with the same name, but not my office, that they had received a call for me and sent me the voicemail. I promptly called back, and verified my information with the company. They proceeded to tell me that this was a debt collection call. I have informed them multiple times to not contact me at work. They have my address, my cell phone, my spouses cell phone, and my home phone number on file.

Company response to consumer: Closed
Consumer complaint received 2016-11-12
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016. My second partial payment was electronically transferred to SLS on XX/XX/2016, two ( 2 ) days before the grace period expires. SLS not only charged me a late fee, it has now reported my payment as late to the credit reporting agencies, negatively impacting my credit. This appears to be a violation of Regulation Z, which requires that a periodic payment be credited upon receipt. This is not happening on a routine basis.

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 2015-07-20
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My client attempted a loan mod with Specialized Loan Servicing ( SLS ). SLS took their trial payments, but never credited the payments to the account. Then, refused to complete the loan mod and started foreclosure proceedings, forcing my client into a short sale. All documents for short sale were timely tendered to SLS, but SLS continued to make repeated and contradictory requests : to leave the husband 's income off of the XXXX as unsteady and therefore not able to be counted as " income '' but then demanding along with the same XXXX a XXXX day XXXX statement for his " income. '' We argued that if he was receiving " income '' to necessitate a XXXX XXXX XXXX, then he qualified for the loan mod, otherwise no XXXX XXXX XXXX was necessary, and we move on the short sale. They finally agreed to move on the short sale, however, this issue was raised XXXX ( XXXX ) times by SLS until it was finally resolved. Then, instead of processing the file for investor approval, XXXX continued to sit on the file until the valuation expired, and performed a new valuation that was returned at 128 % of the XXXX of the property as reflected by comps, a XXXX, the offer on the property, and the original XXXX. We challenged the valuation with the above referenced documents, and SLS stated that they refused to change their valuation to be in line with the overwhelming evidence presented to them. Given the nature of our interactions and the tenor of and recalcitrance within their communications, I am concerned that SLS is not interested in cooperating in resolving this transaction in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have received phone calls regarding money I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: IL
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:
Recently, an account under XXXX for a vehicle purchase outside of Illinois was tacked onto my credit report. I filed a complaint with Experian, and they are claiming the account is mine. However, I have never purchased a vehicle outside of Illinois I reside in XXXX. Ive been in XXXX  my entire life every time I attempt to have something removed from experience they are not helpful there are names that do not belong to me phone numbers that new not belong to me and accounts that do not belong to me and they are not helpful and are not updating my report to reflect what is actually mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Please see the attached detailed narrative in RESPA complaint filed with the mortgage servicer

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 2015-12-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing about a HELOC loan I established with XXXX in XX/XX/XXXX, which was later transferred to Specialized Loan Services ( SLS ). The loan had a maximum draw of $ XXXX with interest only payment for the 10-year draw period, which was to be followed by a 5-year principle/interest payment period. 

My trouble with SLS seemed to start in XX/XX/XXXX, the year I filed Chapter XXXX bankruptcy. At that time my HELOC balance was about {$51000.00}, I was current with all HELOC payments, and was still in the interest-only payment schedule of that loan. I believe SLS is engaged in unfair and deceptive loan practices with respect to fees and would like your help in bringing transparency this situation. 

Specifically, I have been hit with numerous fees on this loan that have not been adequately explained. I have contacted SLS on numerous occasions by phone and in writing ( attch XXXX ) to get clarification. Their response ( attchs XXXX and XXXX ) did not explain the basis of these charges. I have also attached a detailed account summary ( attchs XXXX and XXXX ). 

I have been charged the following fees in XX/XX/XXXX/XX/XX/XXXX but do not know what they are for or if they are consistent with industry practices Date Amount Code* XXXX/XXXX/XXXX {$300.00} XXXX XXXX/XXXX/XXXX {$350.00} XXXX XXXX/XXXX/XXXX {$110.00} XXXX XXXX/XXXX/XXXX {$65.00} XXXX XXXX/XXXX/XXXX {$270.00} XXXX Code listing is at attch XXXX Additionally, I have been charged {$330.00} monthly since XX/XX/XXXX. 

My attempts to find out if these are legitimate charges have been unsuccessful and even rebuffed by SLS. I would appreciate it if you could help me in this matter. Additionally, I would like the name and contact information for a knowledgeable person at SLS who can address and future questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Medical Data Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Medical Revenue Services calls before XXXX and sometimes after XXXX several times a day using a " robocall '' automatic system. The insist in that I owe medical bills which I not true as I am still a patient of all the Doctors I 've had for more than 15 years and no one has claimed anything from me.

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 2017-01-17
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Over the past 7 to 8 years my family and I have purchased XXXX different Honda Accords. On last I recently wrote to Honda Corporation with concerns about the lawsuit brought against their loan office for giving loans to XXXX at a higher interest rate than XXXX, which they neither affirmed nor denied. I received 4 different letters on XXXX previously paid off loans from Honda stating this information. I was concerned about the all the loans we had with Honda over the past several years. 
Thursday, XX/XX/XXXX my XXXX Honda Accord was repossessed for 2 months payment. I lost my job XX/XX/XXXX and was unable to make my payment of {$380.00} per month. I contacted American Honda Motor Corporation for the amount required to reclaim the car and was told I have to pay the remainder of said loan at {$7400.00}, plus collection fees, plus a fee to get my property from the vehicle..!! I was told this was stated in the contract, and upon reading said contract we do not see where that was a stipulation. I am in no position to pay such a larger sum of money, but I ask that Honda work with me to pay the arrears and 1 month in advance to have the car returned. 
I feel that because I wrote to the corporation concerning the actions brought against them I am being forced to pay off the loan on the XXXX car. The car is worth approximately {$9500.00}, far more than I owe to Honda and I feel they are being unfair by not allowing me to catch the payments and retain the car. I recently found employment and I am able to make the payments as I have in the past. 
I have been an outstanding consumer with Honda over the years and have talked several family members into purchasing a Honda. All I ask is to be given the chance to recoup my current loan as agreed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: FIRST ADVANTAGE CORPORATION
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I apply for a job and they did a background check on me through First Advantage, when the report came back, it shows I did a crime and shows I was guility of it back I have never committed a crime, I should have a clean background cause like I say I have never committed a crime and this has happen often. that 's why job cant hired me because of my background check stating some kind of felony that I did n't committed. I need help. Also it says I lived somewhere I have never been before,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: AMERICAN HONDA FINANCE CORP
State: DE
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Hello! 
My daughter and I have a vehicle lease. I 'm co-signer. Her payment in XX/XX/2016 was over 30 days late. We do n't dispute that. We dispute the circumstances that led to it being 30 days late and her credit and mine being damaged because of this. I will add attachment for more specific details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: IQOR US INC
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am trying to get help with my loans and the collection agency is not helping me whatsoever. I am being garnished and due to that, I am now being evicted. I spoke with XXXX XXXX and he said the only thing I can do is pay this off. Which would be great unless I am not able to do that apparently if I am already being evicted because of this. I am not trying to not pay my loans back but I need help from my lender and they are no help at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26
Company: AMERICAN HONDA FINANCE CORP
State: MN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My mother died in XXXX XXXX and at the time of her death was leasing a car from Honda Financial Services, with whom her account was in good standing ( i.e., she had made all lease payments on time and in full ). Upon her death, we voluntarily surrendered her car to Honda Financial Services in pristine condition, provided Honda with a copy of my mother 's death certificate, and proactively inquired as to what balance was owed on her lease. In response, Honda first sent a confusing letter in XXXX XXXX that insinuated ( a ) that they had repossessed the vehicle ( when in fact it was voluntarily returned ) and ( b ) that my deceased mother owed Honda a {$15000.00} " Gross Early Termination Amount '' ( in spite of a lease agreement that specifies that the Early Termination Liability is the lesser of the remaining payments due on the lease term - which in total amounted to only {$5700.00} - or the Standard Early Termination Liability ( good luck figuring out the legal jargon used to articulate the definition for this term ). Now, Honda has sent correspondence indicating that they have " charged off '' my mother 's account and threatening my deceased mother that if she does not pay her balance in full ( a balance that Honda has yet to communicate as of XXXX XXXX ), then Honda may pursue unspecified legal action. On one level, this is laughable, as Honda is attempting to communicate with a deceased person. On another level, it is infuriating and insulting as I have proactively contacted Honda no fewer than four times, attempting to determine what amount was owed on the lease and was prepared to pay the amount lawfully due under the terms of her lease. Most concerning, however, is the fact that Honda Financial Services ' written communications and stated terms and conditions are deceptive in nature and their business practices are despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Collection Bureau of the Hudson Valley, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For over the past XXXX months we have received continued harrassing calls from Collection Bureau of the Hudson Valley sks CBHV ( phone number XXXX ) asking for someone who has NEVER lived here ( we are the XXXX owners and know the previous owners ). I asked them to remove my phone number over and over ( XXXX times ) and they state that they will, but we continue to get calls. We did again today and I informed that I would report them to the New York Attorney General 's Office. They stated " You go right ahead and see what happens to you. '' I replied " I consider that a threat on my life. '' They said " You can take it however you want. '' I called the N.Y. Attorney General 's office and was appalled. They stated " We do n't care what collection agencies do in our state and we have no oversight to them. '' I was totally taken off guard. When I attempted to XXXX the company to go to their website, the New York Attorney General 's name came up. It is obvious that he/she is somehow connected ed with this company and is attempting to coverup their scamming consumers instead of being concerned for consumers. Therefore, I wish that not only the company, but the NY Attorney General 's Office be investigated by not only your agency but also the FBI and/or Homeland Security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Transunion which uses a company LCI has put fraudulent information on my credit profile. 
I have filed an identity report FTC. and asked both companies to remove this information from credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have sent Honda financial services several certified letters. First letter was not signed for and usps stated " business closed ''. I called AHF and representative gave me another address. Sent certified letter there and have signature dated XX/XX/2016. After 30 days AHF did not mark my credit reports as being disputed as required by the FCRA. I have sent a third certified letter on XX/XX/2016 to same address as second letter but it is now also being returned as " business closed ''. AHF is in violation of the FCRA and i want the accounts removed from all of my credit bureaus as required by law

Company response to consumer: Closed with explanation