BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX 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 XXXXXXXX

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 2022-01-03
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The past 2 years or i been trying to get a pay off on a vehicle i had for the 6 years an 9 months so far, an the loan was for 6 years. From XX/XX/2015 until current.Im previously 9 moths over the term. I had 4 deferred pyment that i acknowledge due to financial hardship an late late payments throughout the terms. Which the financial company is saying that it caused an additional 16 months off monthly payments to make the account full. Ive tried to offer a generous settlement which the is not worth what i had offered through XXXX XXXX XXXX an XXXX. The rejected the offer without meaning an never sent me a letter of validation. I believe wholeheartedly that i am being financially mistreated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 3 inquires on my credit report from Capital One, I only made 1 inquiry however, I also had a fraud account opened in my name once before for Capital One. The inquiry that I made was on XX/XX/XXXX but there are 2 other inquiries dated back to XX/XX/XXXX and XX/XX/XXXX. These inquires were not made by me and I would like for them to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have been contacted by CMRE three times about a debt I know nothing about. I have asked them not to contact me in this regard and my request has not been honored. I have never been a patient at XXXX XXXX. I went on XXXX  and that hospital is about 3 hours away from me going one way. I have never been contacted my XXXX  about the unknown debt but all of a sudden I am constantly being harassed by CMRE. I will be filing a complaint with the FTC and the AG office. I want them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was involved in the Transunion glitch where they deleted inquiries on my report then reinserted them without giving me a five day notice I have yet to receive a notification. After a long phone call to Transunion that included an argument with two different representatives one claiming to be the manager they told me that I wasnt a victim and would not remove the inquiries from me report. There are 15 in total!! 
XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX card ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX )!! 
I didnt authorize these and I would like them removed.

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 2019-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is about a mistaken identity. 
My loan servicing had been switched to BofA in XXXX and all the time from then on paying my mortgage every month.to Bof A. 

I got a notice in XX/XX/2019 that my payment will go up from {$4400.00} a month to {$7200.00} per month starting XX/XX/2019. 
I called BofA right away about the increase on XX/XX/2019and I got an answer stating that there was a clinch in their system and also because the increase was against the government law. And my payment will be adjusted to less than {$4000.00} a month. 
I was relived by her statement and been waiting for the new statement reflecting the modified reduced monthly payment. 
But instead I received a new statement inXX/XX/2019 stating the same increase of {$7200.00}, I tried using the XX/XX/2019 to pay to pay XXXX payment but paying on the phone using the loan amount info and my SSN no. was telling me the loan no and SSN do not exist. The statement had the Bof A. And customer service accepted my payment was accepted for XX/XX/2019 by BofA with invalid loan no and borrower did not have a mortgage loan in record. I found this mistaken identity after I made my XX/XX/2019. I nytied to gat a nortgage loan officed I now know that there was really a glitch in their system on XX/XX/2019 and never corrected the mistaken identity of the borrowers name and the loan no. I could have done on XX/XX/2019 an action for refinance from BofA and was inform I do not have a mortgage account account all. I asked so many times about 10x why the loan no was stating it is invalid bot I did not get an answer. 

They had lied, deceive and covering up the mishap.

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 2019-03-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, the respondent sent me a letter inviting me to apply for loan modification. Unknowing to me at the time of the invitation, they had done an appraisal on my house it has appraised at close to XXXX XXXX of the balance of my loan. The house appraised for only {$450000.00} whereas the balance of my loan was {$860000.00}. The respondent knowing fully that XX/XX/XXXX was the last year for the XXXX program that allows homeowners whose properties are underwater to refinance and their new principal would be based on the appraised value of the property. The respondent advised me while they were walking me through online application that there is a note on my file that I should be approved for XXXX program. However, after submitting my application and prior to the deadline they gave me to submit the documents they requested they sent me a letter of approval and gave me a deadline to make my first payment. Their approval letter never indicated the terms of the loan modification. No interest rate or principal was disclosed. It was after they had received my first payment that they now disclosed to me the appraisal they had done on XX/XX/XXXX. Also it was then that they disclosed to me that my loan modification is not XXXX but a trial modification. They had baited me with an XXXX  program and switched to a trial loan modification in order to locked me into the higher principal balance and prevent me from going to another lender and refinance or do a loan modification under XXXX that would considerable lower my principal balance and my interest rate and consequently lower my monthly payment. This would be the second time that Select Portfolio Servicing, Inc would deliberately prevented me from participating in a federal program that would have allowed me to lower my principal balance to conform with the appraised value of my property as mandated by the government. In XX/XX/XXXX after XXXX had informed me that they had approved me for the HARP program, they colluded with XXXX and the investor for my loan to acquire the servicing of my loan. Again in XXXX of XXXX after realizing that the value of my property has depreciated further and knowing fully that the HAFA program that would allow the principal balance on my loan to be adjusted to the market value would be ending, they baited me with a promise of an HAFA program and switched it to trial loan modification after the program has ended. Thereby denying me the opportunity to participate in a federal relief program that I was eligible to participate.

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 2023-05-02
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Attempted to communicate with Amsher Collections when the individual on the other line start to get hostile because I would not provide payment. I asked the individual to send an email with payment information, but he refused. He then started getting hostile asking for banking information ( repeated ) and how I would pay for the medical debt. I hung up after this because he would not work with me. I told him I could not setup a biweekly or weekly plan because of my financial situation. I have been providing small payments each month making an attempt to pay this off, but neither the hospital or Amsher would work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Bank of america is always giving me a problem on their verification id questions they cancel and hold my card from me without my permission and they do not help me resolve this issue i dont know why they are doing this to people and accessing online is a problem as well because employment development department and bank of america do not have ability to solve issues

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 2022-08-08
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been on autopay for months. I received an email stating that my payment was returned due to nonsufficient funds, which was never the case since I can demonstrate that my bank account had plenty of funds for the payment. Additionally, I reached out to my bank and they stated that an electronic payment request was never submitted by Bridgecrest. 
When I called customer service ( twice ), the only thing the reps told me was that my payment was 'unable to locate. ' A short time later, I received a text message and email that my payment was made successfully. However, I noticed that my payment was not withdrawn from my account so I tried to make my payment online. At that time, I noticed that my bank account was missing from my account. There is an issue on Bridgecrest 's side and I can't get any information from them.

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 2023-10-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX  I purchased 4 guitar cases from XXXX on XXXX for {$230.00}. The vendor stated in their listing that 100 % customer satisfaction was guaranteed and that return shipping would be paid by the vendor. ( I have screen shots proving this and I provided them to CITI CARDS. ) When I asked to return the items, XXXX sent me to a webpage that provided me with four postage-paid return labels THAT WERE ALL EXACTLY THE SAME. I packed up the items, attached the labels, and brought them to the Post Office, where I was told that none of the labels had enough postage to return even one of the items. XXXX subsequently told me that the cost to return them was more than they were worth and offered to refund me {$5.00}. I could not find a way to contact XXXX, which I'm sure was their intention. So I contacted CITI CARDS ( in XXXX  ) which promises to protect its customers from fraud such as this. CITI refused my dispute. They have given various excuses for this at various times. They claimed I didn't prove that the vendor did not honor their promises, which is false. They also claimed that they could not refund my money because I didn't return the items! This is clearly a Catch 22 and it is THEIR fraudulent rule, which they could change. They have also claimed, recently, that there is nothing they can do because it has been so long. Lie. CITI is in cahoots with criminals on 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 2019-10-22
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 90 plus ) days late on XXXX. ( Please see attached pages from my credit report along with a spreadsheet with account numbers for your reference. ) These accounts were in deferment at the time these late payments were being reported and consequently were being reported in error. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful.

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 2023-08-01
Company: SYNCHRONY FINANCIAL
State: FL
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:
To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
XXXX XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT SYNCB/BRANDSMART/  XXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT SYNCB/WALMART/ XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX/ XXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT SYNCB/ PORTFOLIO RECOV ASSOC {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX BANK {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2023-05-02
Company: Credit Karma, LLC
State: MN
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:
Credit Karma Emails with wrong information re : my account. 
Today was the " last straw. '' Stated have not used my XXXXXXXX XXXX card in one year. 
I used it last XXXXXXXX XXXX, about XXXX and have a no-interest for a year XXXX XXXX XXXX XXXX. They are consistently recommending weird credit cards and brining up information that is not consistent with my credit history. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Credit Collections U.S.A., L.L.C.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice of debt from XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, which indicated that I should make a payment to Credit Collections USA. They did not provide a clear reference number for my debt and after going to the website listed XXXX XXXX XXXX, the reference number was also not listed in the space the website said it should be ( upper right hand corner under my address ). Furthermore, they did not provide an account number of the original creditor, did not provide the full name of the original creditor, did not provide and itemization of the debt, and did not inform me of my rights to dispute the debt and ask for more information. 

I have sent a letter to them asking for the above information and am awaiting a reply back.

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 2021-12-08
Company: Selene Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell past due on our loan since XX/XX/XXXX due to health issues and loss of wages. I informed Selene Finance of my struggles and continued to apply for mortgage assistance ( Loan Modification ) Each time I would apply my Loan Modification request would get denied for various reasons causing me to fall more behind and required to submit all documents again. 

Most recent I applied for assistance on XX/XX/XXXX and received a letter from Selene stating I was under review for assistance and they would have an answer by XX/XX/XXXX Since being under review since XX/XX/XXXX Selene finance had a set Foreclosure date on my home scheduled to be auctioned off for XX/XX/XXXX @ XXXX. After many times advising Selene Finance to remove the foreclosure date due to being reviewed for assistance they refused. 

Selene Finance- is direct violation of Dual Tracking as they refused to stop the sale date of my home while under review for home retentions options. And after speaking to the Trustee handling the foreclosure they advised me the sale date was going to happen as they had no instructions to postpone. As of today I have not received a denial letter or 30 day window to appeal the denial as allowed. They foreclosed on my Home!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This company would not accept my United States Military ID so I could prove who I am. Yet, they have closed and placed the account on my credit report. How can I not be who I am with Military ID yet I am who I am with no creditable ID? Either they acknowledge I am who I am through my Military ID or this account is not mine because they have no ID to prove it is mine. Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : Not more than 2 payments past due ( 2 ) Balance : {$4600.00}

Company response to consumer: Closed with explanation