BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I can not access my report uploaded Id and as card never heard back security questions asked all answered you still denied access

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 2016-09-14
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Harrasing and degrading phone calls .On XXXX/XXXX/2016 my mortgage called my work cell number after my numerous requests to stop contacting me through this number, As my employer does not allow these types of calls. my mortgage company has the number to reach my spouse to handle these calls. I contacted my spouse, to call the mortgage company. My spouse got in touch with our account rep, the representative proceeded to tell her my account was past due and i had to pay immedietly. When my wife told her when we could pay the payment the rep. stated we had to pay XXXX my mortgage is only XXXX, when my wife told her we could only pay the one full payment she stated, '' you need to sign your house back over to us because you obviously can not afford a home " this is a direct qoute from our rep. We are only late for the month of XXXX. The only reason we got behind was from the mortgage company drafting a XXXX payment out of my checking account after my last payment was already paid. this of course put my checking account in the negative causing over XXXX in over draft fees. It took my mortgage company a week to refund there mistake. being a family that lives week to week of course this put us behind. The told us they werent responsible for any overdraft fees and with limited funds i could not afford an attorney, So that left us trying to dig outta a hole they created .And luckily We have names, dates, reciepts as proof that this is not a fabrication of events. This IS how Ditech mortgage handles business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification through Flagstar bank on XXXX XXXX, 2016. I spoke with a representative at Flagstar bank in hopes of the underwriter granting my modification request due to my financial hardship. I have a serious XXXX and i do qualify for the XXXX XXXX HAMP program. On the phone call i spoke of earlier, i was notified by Flagstar that i would have a new servicer of my loan. I have not been provided sufficient details in writing about my loan modification request. Today, is XXXX XXXX, 2016. Flagstar has waisted four months denying my requests on XXXX occassions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
During an extreme financial emergency, including fraud and other unexpected tragedies, we were having difficult making payments on time. Ford Motor Credit Co. called an offered to assist us by putting two payments at the end of the loan. During the call we, my husbands wheelchair had just stopped working while in the yard, and did not understand the terms of this offer, which sounded to him as though it was something to help us ( he was in the middle of trying to get his wheelchair to work ). Later we learned the interest rate not only increased substantially, but now was compounded daily, putting us much further in the rear. I called requesting assistance with the extreme added charges due to not understanding what the penalties were be, the offer was not explained in a matter that was understood. I was told to call back and that they would help, when I called back, I was denied any assistance. It took 7 years to pay off a 5 year loan. I will mail a completed report of the charges, I have requested from Ford. I believe that it was intended to defraud the consumer masked as assistance when needing it was needed the most. This should be illegal to defraud the consumer and should be addressed. We are on a fixed income in the middle of extreme hardship when, Ford called us, and took advantage of our misfortune addeding to our financial hardship.They intentionally mislead us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-22
Company: Trident Asset Management, L.L.C.
State: IL
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:
In securing a loan for a new home, we found out there was a collection on my credit report from Trident Asset Management XXXX. XXXX XXXX, XXXX GA XXXX XXXX : XXXX. It was apparently from XXXX in the amount of {$51.00} however, this was not something that XXXX ever submitted to them. We were never contacted by XXXX, nor were we ever made aware of this debt by XXXX. We only found out about it from our lender pulling our credit. It is negatively affecting our credit report and all attempts to obtain further information from XXXX were unsuccessful. They just kept telling us we had to pay it. XXXX has NO record of this debt or an account. XXXX refuses to answer questions, and they are also refusing to remove it from our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-21
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a catastrophic illness that permanently XXXX me. I lost my job and the bank said they would foreclose on my house in XXXX days. My daughter and I were both on the loan for the house as co-owners. This was our first home. Then we, XXXX at a time we declared bankruptcies and left the home. Never giving us a reason why PNC bank kept delaying the foreclosure for over XXXX years. Then in XXXX we were jointly sued in small claims for the HOA fees of XXXX of the HOA 's. The third HOA was the monthly fees and they filed a lien against the house. We do n't know if they recieved their fees from the final sale of the home on XXXX/XXXX/2014 when the title was finally transferred. We tried for years to get them to do a deed in lieu sign off but they would not do that. The Judge-XXXX at the small claims case, would barely hear our testimony and of course judged in their favor. The HOA did not bring ANY documents to prove the amounts of charged services. The judge said we should trust this lady to send us copies of all the amounts charged since the judge saw her all the time and knows she is reliable. We still have not received a thing and it 's been three weeks. Now the Small Claims court says we owe thousands of dollars on a house for HOA fees on a house that we were told to leave by the bank. We did leave. We would like to to know if this is legal what they did. Can we sue PNC for not foreclosing for over XXXX years because they did n't want to pay the HOA FEES? Should we appeal the small claim judgement?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX a {$15.00} per month Service charge was leveled against my checking account for a total of {$180.00} prior to this no service charge was charged. I complainded to the bank on XXXX/XXXX/XXXX and they refunded {$15.00} and said sorry they could not refund the rest. After speaking to bank manager She said " No bank would give back the service charge. '' I wish to file a complaint and recieve all of the service charges returned. The bank offers a free checking for anyone over XXXX with no service charge at all. I am XXXX and very easily quialfy for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchase a vehicle on XXXX 2012 financing with MAS FInancial services this business needs to be review, every month since my first payment I been having issues with this company they work a theory, usually I was sending my monthly payments by check but every mont they will call me stating that my payment was n't received when my check had been mailed weeks prior to my payment I got feed up and starting to pay by money gram no matter how, they want to accuse you of making late payments to try to collect more and more money from suppose late payments I 'm going crazy they call me and harass me at work with tex and messages I really do n't know what to do any more, no matter how early I mail my payment I still get at least XXXX calls per day stating my payment is late. I 've complain several times to the company it looks like everyone is very unprofessional and disrespectful as if they do n't know what there doing, I do n't know how to report this and afraid of having a breakdown this is causing me XXXX on daily basis I really wish for a review of this company, I 'm not the only one with issues with this company, once you log on to their web page mostly unhappy customers and people frustrated over the same issue. I think company 's like MAS Financial should n't be operating and be under review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-25
Company: Direct Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX/XXXX/16, I received a call from Direct Recovery Service in reference to a debt. In addition to my phone call my mother received a call and someone that does not have any information about the loan nor was named as references on the loan was contacted. I immediately contacted DRS and asked who else they contacted. The gentleman told me the same thing happened to him. I again asked who else he contacted and he said he did not have that information, he only autodials. I then asked which numbers he had, which were my daughter 's and my mother 's. I continued to press the gentleman for more details on the numbers he called in reference to my debt, yet he continued to say he can not find the numbers he called. I finally got the number for his parent company and confirmed the validity of the debt. My complaint is that DRS has obtained phone numbers and communicated to the third party that do not have a need to know of the debt in question. I am not denying that a debt is owed ; however, I believe DRS actions are not consistent with the Fair Debt Collection Practices Act.

Company response to consumer: Closed
Consumer complaint received 2016-11-16
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received an alert in XX/XX/XXXX that negative information was added to my credit report. I saw that it was information reported to J and J for an old bill. I contacted the company to inform them that the debt was included in my bankruptcy in XXXX and XXXX. I emailed and faxed over paperwork showing this and was told that someone would get back with me, to date, no one has and the information has been added multiple times. Each time that I contact the business they tell me that someone will call me back and they never do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
BMW financial is reporting 30 day delinquencies with the bureaus even though my payments were not 30 days late. I disputed the late reporting with BMW financial services and received a letter from XXXX XXXX stating " BMW Financial Services reports missed payments and late payments as delinquent when received greater than XXXX calendar days beyond the scheduled due date. '' According to XXXX guidelines there reporting is incorrect and therefore in violation. XXXX guidline states " The " clock '' for a 30-day delinquency starts 30 days after the due date, as opposed to the billing date. Under their XXXX XXXX account status code they have an example on their site and it clearly states that a payment received and cleared on the XXXX day is not 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 my wife and I attended a scheduled closing for the sale of our home in XXXX, Ohio to XXXX and XXXX XXXX. The loan was scheduled at noon to allow my wife and I to travel 2.5 hours from our new residence. Within 20 minutes of arriving, all the paperwork on our end ( sellers ) was completed and the buyers had completed theirs prior to our arrival. The title agency employee stated she had to contact PNC Bank to release the funds before the check could be given to us. She came back into the room numerous times, telling us that they were trying to get the funds released. Finally AFTER TWO ( 2 ) HOURS, funds were released and we received the check. She stated that she had another closing recently where the sellers were forced to wait three ( 3 ) hours before the funds were released. 
My complaint is that there is no reason for anyone to wait 2 or 3 hours for funds to be released when the loan is already approved and the bank scheduled the closing. My wife and I had plans with family before we left XXXX to return 2.5 hours to our home. These plans were forced to be cancelled because of the way PNC Bank does business when closing on the sale of a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Bleier & Cox APC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
BLEIER & COX APC is misrepresenting and falsely claiming that they were retained by XXXX XXXX to collect a debt owed by me to XXXX XXXX. This law firm has been threatening to contact my job to garnish my pay. The fact of the matter is that this debt was paid in full and the statues of limitations to legally collect anything had long expired. They have sent me letters indicating that it is a court document which is false. The document/letters they sent me has no official stamp of authentication from the superior court of california. I have attached such a letter from this law firm. The firm is also claiming to be a law firm, but my investigation has determined that it is a paralegal firm using an attorney 's name. I want them to cease and desist. My option is a counter suit for violations committed. Have seek the counsel of an attorney who sues for violations of the FDCA they indicated that I have a very good case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Recently my employer ran a credit check on myself and unpaid balance on credit card from XXXX XXXX appeared on the report under collection. I have currently XXXX credit cards from XXXX and all of them issued after the reported credit card in collection. 

Sometime back my gmail was hacked and all my personal information was leaked this clearly seems a identity theft issue therefore I would greatly appreciate if this issue is resolved at earliest

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I am writing to see if I can do anything about Cavalry Portfolio Services. In XXXX I co-signed for my son to purchase a car ; unfortunately it was repossessed the same year. I did not hear anything else about this until I tried to refinance my home in XXXX. At this time I have found out that the Title to my home has been attached by Cavalry since XXXX for the loan and the debt has been gaining interest and now I owe {$21000.00}. I was never contacted that this debt existed, and I was never served with a complaint. What can I do. I believe this is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I sent XXXX separate communications not to contact me about this alleged debt. They have not validated the debt and have not responded to any of my notices. I ask them to cease and desist communcation under the FAIR DEBT COLLECTION PRACTICES ACT 15 USC SEC 1692c ( C ), ( e ), & ( g ). They now owe me money for this violation {$21000.00} and as stated in my communications. I will attach copies of the notices, with proof of mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Received a phone call on XXXX from Office of XXXX, pretrial mediation stating I owed XXXX to a payday lender that have never received money from. The caller was named " XXXX " who refused to give me any information as to contacting Check N go. I went online and found a contact number, spoke to a representative whom I asked if my name and last XXXX of my digits have been in the system past or present. The answer was no. I smell a scam. 
XXXX phone # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: CNG FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX, I received a call from the area code in which I reside. Individual on the phone insisted on verifying my personal information, address, ssn, date of birth. I asked who it was. The individual then transferred to a man named XXXX who then quickly stated that he was attempting to collect a debt on a payday loan associated with my ssn. He then stated all my personal information like name address and DOB. He cited the laws in my state that I was in violation of due to this payday loan initiated on an account that I have not had for 10 years. I asked him to send me verification of the debt. He sent me a word document to my current email and gave me XXXX hour to determine if I was going to make arrangements to pay the {$2000.00} loan or be taken to court. The document included their case ID number, the lender 's name, the amount they were willing to settle and a disclosure with a toll free number. I called the BBB and reviewed this information. They looked it up and could not verify a business name associated with the phone numbers or street address. I called him back after reviewing the document and requested XXXX more hour as I had an appointment. He said fine. In that time, I Googled the address, phone number and nothing came up. I called the BBB of my state and they suggested to request official documentation of the contract for the loan. They also stated I should inform him that I had contacted the FTC. I called back to XXXX at XXXX XXXX Services. Once I requested the information and stated to him I had contacted the BBB he informed me that he had done everything he could and he would have to file with the court. He also stated I was not smart enough to even read the phrase Better Business Bureau. I interjected and said I am requesting this information so I can verify and protect myself from fraud. He repeated his comments and stated he is not frauding me. He then proceeded to berate me some more at which point I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: WV
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:
I BOUGHT A CAR FROM XXXX XXXX XXXX IN XXXX WV. THE DATE THAT THE CAR WAS PURCHASED WAS XXXX XXXX 2019.THIS WAS A USED CAR AND AFTER 2 WEEK I STARTED HAVING PROBLEMS WITH THE CAR. 

THE COMPANY TRIED TO FIX THE CAR BUT THE PROBLEM WAS STILL THERE. AN OFFER FOR ANOTHER CAR WAS OFFERED IN XXXX OF 2019. 

PLEASE NOTE THAT WITHOUT MY PERMISSION MY CREDIT WAS PULLED WITH SIX DIFFERENT COMPANIES. THE COMPANIES WERE XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY WERE ALL INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES WERE ALL ON EQUIFAX. 

I HAVE NOTIFIED EQUIFAX THAT I DID NOT AUTHORIZE THESE INQUIRIES. EQUIFAX RESPONDED IN 2 DAYS THAT THIS WAS FACTUAL REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my trans union credit report my name and address are wrong and they are accounts and inquiries that are n't mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation