BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-02
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I called to receive payoff amount for my auto loan and was given an amount that was far higher than expected. I was then advised that I was not being charged the annual percentage rate that was agreed upon in my contract but a daily interest rate. Nowhere in the contract that I signed does it state that I had a Simple interest loan and was to be charged daily. Representative I spoke to when called on XX/XX/XXXX at XXXX was not able to explain to my why my contract was not being upheld and only would say that Westlake Financial only offers Simple Interests loans. But yet I was not provided with a contract that states that. Pulling payment information also reflect that several of my payments were interest heavy and paid more interest than principal some months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The collector said that, " You people fought for your rights XXXX. '' people meaning XXXX people. I told him to send me everything in writing and he said, " I 'm not going to write you, I 'm not your pen pal. '' He has called my wife at her place of work and was verbally aggressive. 
This has nothing to do with her. She has also advised him not to call her anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX I took a Parent Plus loan for my daughter to attend college. I borrowed {$21000.00} I have paid back {$31000.00} over 20 years, which is 50 % more than I borrowed. During the course of the loan I had to get forbearance and deferment due to lack of work and reduced wages. When I called to discuss this they did not disclose the amount of interest that would accumulate over the course of the loan. I am now retired and living on social security which makes it difficult to make the large payments they are requesting. Today the balance of this loan is {$61000.00} not being paid off until XX/XX/XXXX paying back a total of {$100000.00}. It does not seem practical that I should have to pay back 5 times the amount of the loan. I feel that I have satisfied my debt. I think they should forgive the balance of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: MECHANICS BANK
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 is missing that should be on the report

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX  ACCOUNT # XXXX HAVE VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT OF PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CARMEL FINANCIAL CORPORATION, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Billing statement

Complaint:
I was working to pay off a Chase credit card. When I finally got the balanced payed down to XXXX, I received another bill for additional money that I apparently owed as well. I called up the Chase customer service line, paid that additional money off and was assured that was the last bill I would have to pay them and that my account was officially at XXXX balance and closed. XXXX months later, I received another bill for more interest that I apparently build up from a zero balance that I then owed again. I do not understand how I can be told I owe nothing more to a bank, only to get another bill from them with more money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have new and updated information. Credit : is the right granted by a creditor. A creditor is one who regularly extends credit, and is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness. Therefore pursuant to federal law, BMW FINANCIAL SERVICES can not extend credit nor be a creditor. BMW FINACIAL SERVICES stated I was denied the extension of my own credit due to delinquent past or present credit obligations. Pursuant to the FCRA and XXXX, a consumer should not be denied credit. A consumer can only be denied employment and insurance, neither of which I applied for. I extended my credit to XXXX BMW, they denied me the right to extend credit. According to the XXXX, a consumer shall not be discriminated agaisnt in any aspect of the credit application. I was discriminated against in the inital part of the application because I, in good faith execercised my right to extend credit ( 15 USC 1691 ). Not only is this discrimination, due to the fact that another consumer with a " better credit worthiness '' would get approved the extension of their own credit. This is UNAUTORIZED USE of my credit card ( 15 usc 1602 ( l ) ), I completed a credit application, my credit was checked, and everyone benefitted from this transaction except the cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This agency still has my wife 's account listed on my credit file. Enough is enough XXXX states they verified through Chase this account belongs to me which is FALSE information and has hurt my credit rating. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
JPMORGAN CHASE is reporting my auto loan erroneously to credit bureaus. They are reporting a Ch. XXXX bankruptcy when this is not true. I paid a {$10000.00} downpayment and paid off the loan early. This account was not in any bankruptcy. I contacted Chase Auto and my account has been archived as it was paid off years ago. They refused to verify the information and did not have any data or payment history of my loan. This loan had XXXX late payments. I paid additional to the principal until payoff. 

I have complained about this issue on numerous occasions but this has not been corrected to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Lien Enforcement Inc
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
My matter is not a payday loan but I was instructed by your representative to select that option. I received a notice of a lien on a vehicle that I have already transferred ownership of. I contacted the company to inform them that I was not the registered owner and they informed me that there was " no way to get out of paying the money to them. '' They told me that because they 're documents stated I was the last owner I would have to pay the fee. I informed them that I had the receipt of transfer of ownership that I filed with the XXXX, they informed me that that would not be acceptable proof. I spoke with a XXXX representative and they informed me that my recite of transfer of ownership should be sufficient enough. I contacted the company again while at the XXXX and the lien company representative said I would have to " order a XXXX $ XXXX and request for record, fill out section C '' and mail that to the XXXX in XXXX. He continued to detail an extraneous process of proving that I am not the owner of the vehicle which the XXXX continues to inform me is not necessary as I have a physical receipt. The lien company representative threatened that my credit would be negatively effected because they would put the balance of $ XXXX on my credit if I did not pay the lien for the vehicle. The XXXX informed me to file a complaint. The total amount of the fee is {$2200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Bull City Financial Solutions, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bullcity/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ data international , inc filed a collection that I am not responsible for. Additionally, I do not know what apartment the collection is for as I rented two and the dispute is attached to neither apartments. I did not receive any communication other than the collection was a cleaning fee after it hit my credit. No one gave me time or the opportunity to settle this prior to collections. They say it was for a XXXX bedroom carpet cleaning fee and then changed the dispute for the laundry room. The XXXX bedroom did not have a laundry room. The XXXX bedroom was left in excellent condition. The XXXX bedroom carpet was due for a replacement to hard flooring as I had lived there over 6 years. I was given the opportunity to take the new flooring or to wait to have it installed after I moved out. Management said they change the flooring every 5 years. Since the carpet was to be replaced in the XXXX bedroom to hard flooring it makes no sense to charge a carpet cleaning fee. The laundry room damage was from the upstairs apartment washer which flooded twice. I do not know what apartment this debt is for and no one will tell me. I can not attach any files because I have not received anything that informs me exactly what the debt is for or what apartment it is for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2022-10-03
Company: Paramount GR Holdings, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage on my previous home through Loan Pal. My home was sold and Loan Pal sent me a letter dated XX/XX/XXXX stating that they would send me an escrow refund check in the amount of {$850.00}. The letter said that the refund would be sent within the next 20 days. Many months after I had wondered if I ever received the check. I have even looked into my checking accounts to see if I could find a transaction for that amount and have not been able to. Loan Pal had been taken over by Good Leap mortgage. I called Good Leap and told them about my letter and asked them to research it for me to see if the check was received by me. They said they needed to re-issue another check and that they would do the research. I have been calling them ever since and asking them to re-issue the check. This has been over the course of approximately a year and a half that I have been in contact with them. During that time period they have been telling me that the check was sent to my old residence that was sold or even that the check was sent to my current residence and that I should wait to receive it in about 30 days. Over a week ago they said they would send the check to me USPS express mail and that I should have received it around XX/XX/XXXX. I still have not received the check yet. They have told me it has been re-issued. I have lost confidence in them and have decided to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Multiple Accounts on my report I do not recognize

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 2022-03-23
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have received a Debt Collection on my Credit Report for a collections on a past-due bill that I was never notified of. I went to National Credit Systems with the collections amount reported on my credit files along with my Social Security Number and no debt with those details are listed in their own system. I was never notified of a past-due bill from my former landlord, nor was I provided with notice from NCS that the past-due bill was sent to them for collections. When I went to NCS to pay the reported debt, their own systems are not even able to locate the account based on the details listed in my credit report under Collections. I submitted a Dispute with XXXX, XXXX, and XXXX. XXXX found in my favor, XXXX found in favor of NCS, and XXXX is still reviewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a loan of {$1000.00}. I was advised of {$250.00} in finance charges- I was not aware of the finance charge being charged repeatedly and not applied to the loan. I have now paid {$500.00} and my loan balance is still {$1200.00}. I am not able to see the terms of the loan on the website for verification, I am not able to see the repayment schedule, I have XXXX information, beyond " early payoffs are not penalized! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: TX
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 XXXX {$560.00}, XXXX XXXX XXXX account XXXX XXXX {$1700.00}, XXXX. XXXX XXXX Account # XXXX {$60.00}, XXXX XXXX XXXX XXXX account # XXXX {$130.00}, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have submitted and re-submitted proper paperwork for the Public Service Loan Forgiveness ( PSLF ). I was told all the information has been verified and approved however, no chances have been made to my account since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called about a medical debt that I owed because it was on my credit report. I was never notified the company had my acct. I advised the rep I spoke with and her response was ' Well you had several addresses ' They added fees and interest which is illegal for medical accts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: AZ
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 was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-07-17
Company: Diversified Adjustment Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX will not cancel my service, -first requested by me in person at a designated XXXXXXXX store on XX/XX/XXXX, again on via phone to the company XX/XX/XXXX and again XX/XX/XXXX via chat transcript, XX/XX/XXXX -via phone conversation and in XX/XX/XXXX via email from their legal representation. Requested multiple times in past year to cancel service. XXXX sends my debt to a collection agency using an improper address and improper former last name ( yes, they have been told multiple times to correct it and given proof of the address and name change ). As a result of XXXX not canceling the service, I am being sent to collections for " fees '' after they have informed me of the account being disconnected and the account {$0.00} balanced. 

Their representatives tell me they will cancel the debt and notify the credit agencies, and then three months later another debt collection appears on my credit report for " Fees ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, 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 have no knowledge of the following inquiry XXXX XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation