BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX of XXXX  we went bankrupt and when we went bankrupt I didn't know we had to reaffrim the mortgage. So that were all the problem started. I talk to XXXX XXXX  in XXXX so I could get mortgage on my credit report I sent a letter to XXXX XXXX. Nothing happened. I also had problems making payment so I hook up with ( HUD ) and made payments on XXXX, and XXXX i did all the right things make sure I didi n't miss a payment. My account # is XXXX, they tell me I followec all the payments to a XXXX XXXX in XXXX I got this letter from XXXX XXXX  tell me that if I want recast I would owe them XXXX without a recast I would owe them XXXX as a payoff. I want to know what the payoff should be. Please Help 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 2019-09-20
Company: Loan Science, LLC
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have 2 loans who were once with Loan Science. I have been on multiple repayment arrangements and each time I would set it up they would never actually take the money out of my account. I would wait for it to come out, try to get a hold of them to no avail and then they would call and harass anyone they could to try to get a payment. The loan has been sold so many times, it's impossible to track. I believe it's currently in default since there is no servicer that lasts longer than a couple months. I just received another letter again that the loans were sold yet again. I also received a letter in the mail stating it was discharged. I don't even know if I still owe the money legitimately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I took out a loan in XX/XX/XXXX and paid it of in XX/XX/XXXX. It was reported as so for the following months.

Recently, I took out another loan with the company in XX/XX/XXXX. Suddenly, the old account began reporting as 60 days late. I contacted them and they fixed it, however, it is now reporting 30 days late from XX/XX/XXXX and XX/XX/XXXX. This is after for the past 9 months it has reported on-time. Why would my credit report on an account that was closed 3 months ago suddenly change???

I am in the middle of a refinance and this is very detrimental. I respectfully request that this account be updated to all payments on time, as has been reported every month until now - months after the account was closed. This is erroneous information and in contradiction to what has been previously reported.

Furthermore, this is at tribal loan company that should actually not be reporting to credit bureaus in my state 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 explanation
Consumer complaint received 2018-03-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX, XXXX Hours of Operation ( EST ) : XXXX to XXXX Mon-Fri., XXXX to XXXX Sat., XXXX to XXXX Sun. Company Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX Disputes : Call XXXX or write to : XXXX XXXX XXXX, XXXX, Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Disputes E-Mail address : XXXX This company continues to harass, has contacted employers like XXXX XXXX XXXX in XXXX XXXX, VT costing me a job. While serving in the Vermont XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company held up my security clearance due to Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX. Merchant : XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX. Creditor to whom Debt is Owed : XXXX XXXX XXXX, XXXX Current Balance Due : {$900.00} by paying XXXX or XXXX pay by mail - checks n payment to : XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, VA XXXX Offering Single Payment *pay {$310.00} and save {$580.00} if payment received by XX/XX/2018, this harassment has cost me several {$25000.00} to {$170000.00} XXXX   XXXX, XXXX XXXX, XXXX XXXX, it caused the lost of a relationship and XXXX  children. I want the harassment to stop, reported this company to the Vermont Attorney Generals Offices throughout Vermont, was serving in the US Military when then pulled an illegal court date while I was out XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This is a case of identity theft, they keep doing this around certain dates of birthdays with men with our names, many with my name have been contacted and told about this debt, this debt goes from {$1600.00} to {$900.00} to the offer of 1 time payment {$310.00} to pay it all off. I have paid more than that amount, have lost well over the amount this company, these scam artist attorneys or they claim that while sending out threats to employers, friend, men with similar names and I want this stopped immediately please. This debt is insecure credit card debt and in no way after what I have tried to clear this debt and have lost will it ever get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I missed some payments with this credit card company sue to some financial hardship at the moment. Immediately they reported the missed payments to the credit bureau by putting the amount outed into collection which damaged my credit very badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I haven't had any access to these products at all. I was trying to get access to these accounts from the banks that I'm socially with but didn't make any transactions 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 explanation
Consumer complaint received 2021-01-03
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: Their investigation did not fix an error on your report

Complaint:
I have sent numerous letters to equiax showing them that the below mentioned collection agency XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX owned by XXXX XXXX XXXX at the time ) that a debt was included in my Chapter XXXX bankruptcy. I included a list of creditors showing that the apartment complex was listed but it still shows on my report and someone still tries to collect on this debt that was discharged over 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: OH
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:
Today, XX/XX/2022 I have contacted Equifax to deal with this violation of my rights. 

I was affected by the Equifax data breach and Equifax is in gross violation. Per 15 USC 1681 ( a ) 3, Equifax has assumed this vital role without my consent or permission. Equifax did not respect my right to privacy.

Equifax did not exercise their grave responsibility. Equifax reportings were unfair, partial and unconsensual. Equifax did not respect my right to privacy.

I never instructed Equifax to furnish this report and I never consented to this report. Equifax does not have permissible purposes as per 15 USC 1681b ( 2 ). 

These violations are undermining my confidence in the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-21
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:
I used bank of america mobile banking app on my XXXX XXXX to transfer money to someone ; Bank of America used a service called XXXX that I believed was a bank of america product but apparently this is a 3rd party product that bank of america uses to transfer money. 

The person i sent money to said she hasn't received the funds i transferred yet - I transferred funds from my checking account to the receiving party 's account on Monday / XX/XX/2019 and today is XX/XX/2019 and the funds haven't yet made it to the person i sent it to. 

I called bank of america and they have debited $ $ from my account on XX/XX/XXXX and today when i called bank of america their customer support wanted me to call XXXX customer support to enquire what happened. They claim the money was transferred but the other person 's bank is telling her that no money has been received by them. 

also, i dont think i ever opted in for this XXXX services and / or remember ever reading the terms and agreements that they claim i agreed to and open in to of my own free will. 

This is just highway robbery committed by bank of america and this 3rd party XXXX - also, {$250.00} can not just disappear into thin air - if the transaction wasn't completed, it should be refunded back into my account

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 2018-03-19
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
At the conciliation court conference on XX/XX/XXXX, lenders counsel confirmed that a TPP had been offered and verbally reported that they amount due is {$560.00} due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but did not mention needing a signed returned agreement. On XX/XX/XXXX, the homeowner received a billing statement from Ocwen dated XX/XX/XXXX, confirming the amount of the TPP : {$560.00}. Timely payments were made XX/XX/XXXX & XX/XX/XXXX. They were accepted by Ocwen and as of this date have not been returned to the homeowner. On XX/XX/XXXX, an email attachment with a letter from Ocwen was received by the housing counselor ( sent from lenders counsel ) stating that the modification offer was not forthcoming and was being cancelled/denied because the homeowner had not returned a signed copy of the TPP offer. However, the homeowner had never received a detailed TPP offer packet. She was not given a copy of the TPP offer until XX/XX/XXXX via email from lenders counsel. *HOMEOWNER HAS NEVER RECEIVED THIS OFFER BY MAIL* The homeowner immediately signed and returned the TPP offer, but at the conciliation court conference on XX/XX/XXXX, the homeowner was told by lenders counsel ( after mistakenly telling her that shed been denied for missed TPP payments ) that she would have to reapply for another TPP. Ocwens counsel reported that Ocwen would keep the submitted TPP payments and apply them to the delinquency but not modify the mortgage.

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 2017-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I had to take long-term XXXX from my job. As a consequence, I submitted the application and supporting documents to Capital One for my account ( s ) to be covered under the Payment Protection Plan that I had on my account ( s ).  ***This is the same Protection Plans that Capital One settled in class action lawsuit for failing to properly apply/apply at all Payment Protection for consumers when consumers applied***. 

After battling with Capital One who claimed I did not submit the paperwork, I retained an attorney in XX/XX/XXXXwho was able to get Capital One to apply the payment protection coverage on my account which covered my account balances in full, remove the fees they applied and correct my credit report accordingly. 

Initially, Capital One corrected my credit report to reflect that the account ( ENDING IN XXXX ) to reflect these corrections. 

However, over the past couple years Capital One has been reporting that the account was late and over the balance limit, which is not the case. The account has never been late and the over the limit balance was a result of the fees Capital One applied when they did n't property process/apply the Payment Protection Plan, which was resolved by the attorney in XXXX. 

I have tried multiple times to resolve this with the credit bureaus, but they now will not allow me to dispute what Capital One is reporting because they claim I have already disputed the issue which is not the case. 

True I did dispute before retaining the attorney, but it is only in the fast 2/3 years that Capital One is reporting the account incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Ability Recovery Services, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/19 : I was contacted by XXXX XXXX of Ability Recovery Services at XXXX XXXX XXXX, XXXX, PA XXXX. In the first phone call, she said the call was from a debt collector and told me the call would be recorded. She told be an amount over {$600.00}, which was to my knowledge, above the initial creditors amount due. I asked about it to which she responded that this is the amount due. I told her Id call the creditor, to which she said they will just have me call her back and hung up. 

I called back on the same date XX/XX/19, and the call was immediately answered by her, and without anything else she said, XXXX I have to call you back Im taking a payment. And she hung up on me. 

She called me back a couple minutes later and did not identify herself as a debt collector and that the call was being recorded. She was extremely rude, told me if I had just paid in the first place, continued to raise her voice, and claimed I was making demands when I was asking for the business name and address. I kindly asked for a validation of debt, and she said I was using stalling techniques and trying to make me feel as if I was being unreasonable in my request to ask for debt validation. I asked for the address and name of the business and was provided the information. She then began to say you dont have to be such a ... and then I couldnt hear anything else. I said excuse me, what did you say? And she says oh Im still here. She attempted to verify my address and couldnt say it because, per XXXX, she doesnt speak Spanish and claimed I was picking on her when I said that she couldnt pronounce it and was going to offer to pronounce it for her.

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 2022-01-08
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: DE
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:
None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/2006 our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened between XX/XX/2006  and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save , and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: PRESTIGE FINANCIAL SERVICES INC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I got alert from Bank that Prestige Financial had tried to draft out {$440.00} out of my account but the amount wasn't there so it was declined. I called to speak with a customer service rep because I never gave them permission to store my card information and keep using. My mom paid her car payment using my card 1 time. They made her have me call to give them permission for use and I told them do not save my information for future use that it was only a 1 time use. The financial place refused to listen to me on XX/XX/XXXX and would not remove my card information until my mom called and told them otherwise. I stated to them that they never had my permission to even store the card information. Again, they refused. My mom called them and told them to remove my card information off that nobody have given them permission. Prestige Financial told my mom that they had removed my card. They lied!!! Today on XX/XX/XXXX XXXX I get another alert saying that my account declined Prestige Financial amount of {$440.00} due to the amount not being on my card. How can I get this stop! They are trying to take my money and the vehicle loan isn't even mine. Nor am I giving them permission to do this. They have been made aware 2 times and still basically they are trying to steal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/19 received a BRINKS Prepaid XXXX that I did NOT request. 

This credit card is real with my name on it and an activation sticker. 
I did not sign up for this card nor did I participate in a promotion that would include receiving a card. I'm concerned that someone might have gotten my personal information and is starting to use it for things like this. 

I did not contact this company because I do not want to confirm to them that I got the card. 

BRINKS Money XXXX XXXX XXXX XXXX, TX XXXX www.ActivateBrinks.com or XXXX www.BrinksPrepaidMastercard.com or 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