BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Americollect is trying to collect a debt that is passed the Wisconsin statute of limitations. They are also reporting into my credit agencies showing that I owe the entire balance and it is negatively impacting my score there may also be duplicates of the same account on my credit score. I think this is manipulative business practices and they should be investigated and prosecuted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I tried disputing this two years ago, this is also a duplicate of of another address with additional numbers on the address. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 2017-11-27
Company: General Motors Financial Company, Inc.
State: IL
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:
On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran 9 times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid 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:
Bank of America visa card On XX/XX/XXXX I closed credit card. I'm a senior citizen and was a victim of social security gift card scam. I was called on my cell where the number for SSA appeared. I answered the call and was told my SS # had been used in criminal activity. To protect my money in bank I was to purchase the gift cards, scratch them, take photo and send by email to : XXXX, where my money would be protected until they would issue a new number. In this bank the amount is {$5500.00} in gift cards. {$5000.00} XXXX XXXX cards & {$500.00} XXXX XXXX cards. 

I asked the bank in letter written to them on XX/XX/XXXX to help me and give me credit for the scam charges and sent them all documentation from OIG.SSA.GOV, pages from SS scam, copies of gift cards. 

The bank response letter dated XX/XX/XXXX stated they completed investigation and charges would remain on my statement. They wanted credits from the stores to be mailed to them. I did contact the presidents of both XXXX XXXX and XXXX XXXX by letter, certified mail RRR. NO ANSWER to me to date. 

I need help from CFPB in resolving this issue. I'm a senior living of monthly social security checks. 

Thank You.

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 2019-04-28
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX sent me a letter stating that I owed a medical bill that I knew nothing about. I submitted a certified mail request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. XXXX XXXX failed to validate the debt. They just sent me a two page photocopied bill that looked like they made up that had my name on it with the amount that they accused me of owing. So, I sent a second certified mail letter to XXXX XXXX XXXX XXXX, again, requesting that they prove that I am the one that is contractually obligated to this debt and that they have the right to legally collect on such debt. XXXX XXXX failed to do so, but, moved forward and reported this fraudulent debt to the three major credit bureaus, thus effecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  and Transunion should not be reporting a collection/chargeoff in the amount of {$1800.00} on the XXXX XXXX original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My mother-in-law originally purchased the phone however, before I was XXXX we contacted XXXX  and cancelled this account because I was going to be XXXX to XXXX. The phone did not have area coverage in XXXX. ( I have attached a copy of my XXXX paperwork for reference. ) We were assured by the representative that I spoke to that this account was closed and in good standing and that there was no outstanding balances due. We were not aware that this account had falsely gone to collection until I obtained a recent copy of my credit report. Pursuant to the Servicemembers Civil Relief Act ( SCRA ) benefits offered by the SCRA Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider, as well as that if you use any of your SCRA rights and delay payments it won't reflect on your credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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 2018-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collection company is calling my cell phone which is used for my current employment. Thus, they are calling me at work during the day and night on my work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, the Homeowner applied for and received loan forbearance due to financial hardship caused by XXXX as provided by the XXXX CARES Act for the following time periods totaling 11 months : XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX On XX/XX/XXXX, the Homeowner received a letter from the Servicer stating that the COVID-19 forbearance period was ending. The letter directed the Homeowner to the Servicers website for up to date available options for mortgage forbearance. The options presented on the Servicers website in XX/XX/XXXX did not include a COVID-19 forbearance extension option as guaranteed by the 2021 CARES Act for government backed loans. The Servicers website provided the following as the list of all available mortgage assistance options : Modification, Payment Deferral, Repayment Plan, Short Sale, Deed-in-Lieu of Foreclosure. 

On XX/XX/XXXX the Homeowner telephoned the Servicer to discuss the COVID-19 forbearance. At that time, the Servicer informed the Homeowner that the forbearance was scheduled to end on XX/XX/XXXX. To receive the full 12 months of COVID-19 forbearance guaranteed under the XXXX CARES Act, the Homeowners COVID-19 forbearance should have ended on XX/XX/XXXX. In addition to reducing the duration of the existing COVID-19 forbearance by one month, the Servicer also did not make the Homeowner aware of the COVID-19 forbearance extension provided by the 2021 CARES Act as an option to address difficulty making payments in addition to the options presented on the Servicers website. Presented only with the options of Modification, Payment Deferral, Repayment Plan, Short Sale, Deed-in-Lieu of Foreclosure, the Homeowner agreed to resume responsibility for making mortgage payments as of XX/XX/XXXX. 

The impacts of XXXX have caused ongoing financial hardship for the Homeowner. Had the XXXX forbearance extension guaranteed by the 2021 CARES Act for government backed loans been presented as an option by the Servicer in XX/XX/XXXX, the Homeowner would have accepted. Had the Homeowner been given the benefit of the full 12 months of forbearance guaranteed by the 2020 CARES Act, the Homeowner would have had the benefit of one additional month of relief and an additional month to secure the benefit of the COVID-19 forbearance extension guaranteed by the 2021 CARES Act. 

Given the errors committed by the Servicer, the Homeowner is requesting that the XXXX forbearance be reinstated on the Account for the period starting XX/XX/XXXX and ending XX/XX/XXXX. This reflects an additional forbearance period of seven months, to include the month reduced from the initial 12 month forbearance period and the six month extension guaranteed by the CARES Act of 2021 for government backed mortgage loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This complaint is in reference to ID # XXXX-XXXX concerning Capital One card services. Capital One is still giving me the run around in activating my credit card even though I am a current customer! I have been with Capital One for almost a year and my payments to them have always been on time. Someone named XXXX called me on XX/XX/XXXX at XXXX in the XXXX and he said that he would activate my card if I sent in the following documentation that I have ALREADY SENT to Capital One. I faxed them my state ID and my electric bill. When I called them XX/XX/XXXX to verify the service rep said that they did not have any of documents and that it would take two months to activate my card that I was approved for. Capital One are scam artists who are lying about their products. Why will it take two months to activate my second card when the first card was activated the same day? Capital One is disrespectful and dishonest and they have the worst customer service reps of any company that I have dealt with. PLEASE HELP ME!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to initiate a credit report freeze with Experian, but have been unable to get enough information from the company to do so. The online system won't allow me to complete this online, and provides me with information on how to mail in my information. However, I need to know what the process would be for unfreezing the account before I do this. 

I tried calling, but can't speak to a human. Instead, I get a recording of the information I would need to mail in -- but I'm afraid of doing this as I have no idea of how I would then be able to unfreeze it. 

The only option I see to easily freeze/ unfreeze is to pay Experian XXXX XXXX month for both me and my husband to lock it. The barriers for the free freeze are intense, and I'm afraid of doing it because I have no idea how I would then unfreeze it. 

If I could just find a way to speak to a human, I might be able to do so. I've called many times, but the phone tree leads me to only recordings. I feel stuck, and forced to pay a fee to protect my credit account. The other credit bureaus made this freeze process easy, creating an online account and providing a pin number to easily freeze/ unfreeze as I need. I feel like I have no control with Experian.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: NC
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:
The following companies listed on this report are reporting accounts that have been flagged as fraudulent accounts. This is a clear violation of the XXXX XXXX. 
I have attached a copy of my identity theft report with the accounts that need to be deleted from my credit report immediately.

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 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im a victim of Transunion inquiry issues. I have call to get these inquiries remove but Transunion customers service would not help me.The inquiries I will like to be remove is : 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 explanation
Consumer complaint received 2018-05-06
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a va cash out refinance with a broker on XX/XX/XXXX and was quoted a 3.5 interest rate on his paperwork loan estimate. On XX/XX/XXXX, I got the disclosures and paperwork from ditechs showing XXXX closing costs and a 3.625 rate. My broker told me we were over the max amount allowed for fees to a veteran and would waive the XXXX processing fee to get us below that amount. He has stalled me from then until XX/XX/XXXX, sending me his own rate lock confirmations from ditechs showing a 3.5 lock and assuring me that even though I did not sign their paperwork, I was locked in. We had appraisal and termite done and I was assured the closing docs would reflect the 3.5 rate and would close by XX/XX/XXXX. In the meantime, my current lender called me and after seeing my paperwork told me he had not provided proper legally mandated disclosures to confirm the rate. Late Friday XX/XX/XXXX, after 2 weeks of stalling, I was told we were cleared for closing and he was " working on the rate ''. I was angry when my insurance contacted me to advise my mortgage had been substituted with ditech. I immediately contacted him but got no response until I received an email telling me that due to va loan regulations, the lender could only give me 3.625. I was paying points. They were charging me XXXX for just that buy down. I backed out but how is this legal?

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 2019-04-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a dispute with BBVA Compass Bank this month for an unauthorizeda transaction in the amount of {$350.00} to a XXXX store. The bank then froze my account and informed me they were cancelling my account. BBVA then told me to go to a local branch to withdraw my money, which I did, but was informed that I could not access my funds. I called back & was told that there was no reason for this & when pressed further for more information I was told that because they cancelled my account they would not be able to honor my dispute. I told them that they were cancelling my account after the fact so my disput was a legitimate claim. They had deposited the funds into my account but was then told they were taking it back and I Woukd have to wait 7-10 business days bc they were mailing me a check. Also, my direct deposit went into this account ( I couldnt change it in time ) but was told that I had to wait to receive my money. I have a balance of {$240.00} & my direct deposit was {$1700.00}, but they will not allow me to withdraw my funds. I am moving & need my funds but they said sorry. The dispute claim was denied but said I Woukd get a letter in the mail. I did receive said letter stating that they had put the money back into my account. I need these funds immediately. BBVA is unwilling to allow me to access these funds and I need help ASAP pleaae

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 WAS NOT LATE ON MY AUTO I WAS XXXX  WITH XXXX  XXXX PLEASE HELP TO UPSDATE MY CREDIT I ENCLOSED PROOF

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 2019-08-08
Company: Radius Global Solutions LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
frequent robo calls. they say to contact Radius Global Solutions at XXXX. 
I have no debt nor have I ever used or had contact with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I went online and try to submit a dispute my credit and information with XXXX, EQUAFAX, XXXX the big 3 credit bureau because they have missed lead other finances company stated I owe money and has open collection know that my credit score should be on a rise I also file and has a bankruptcy chapter XXXX discharged and yet this company made it impossible of for me of getting any finance for vehicle or open a credit card so I can establish my credit this is called a punishment I received from XXXX  because I file bankruptcy and fact was they work with banks and other finance company so that I can't get back up on track because I file bankruptcy chapter XXXX and it was discharged by law I am protected under the bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is not a problem with the vehicle - which was fine. This is purely a problem with XXXX XXXX XXXX billing me for additional lease payments after I have completed all my payments. XXXX XXXX even sent me a notice that I am " past due '' on a lease payment. This is affecting my credit rating, and it is harassment to be hounded for payments that I do not owe. 
I leased an XXXX XXXX for three years. The lease ( account ending XXXX ) ended XX/XX/2019. I returned the car on XX/XX/2019. During the three-years, I never missed a payment or was late on a payment. XXXX emailed me on XX/XX/2019, to confirm that I had completed my final payment due. 
But now XXXX XXXX persists in making statements that I still owe monthly payments on the lease. On XX/XX/2019, XXXX claimed in an email that I was past due. 
I repeatedly asked XXXX to stop publishing false and libelous statements claiming that I am defaulting on payments. I have an excellent credit rating and am concerned that XXXX false claims will impact me financially. 
I sent emails to XXXX on XX/XX/XXXX and XX/XX/XXXX, explaining its error. I engaged XXXX in an online chat. But XXXX refuses to acknowledge the error, and it refuses to stop the false statements about me. 
It appears that XXXX will not reasonably respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XX/XX/ Ive contacted Equifax almost every day twice a day to remove a security freeze from my credit report in order to refinance my mortgage. Ive debt with some fraudulent activity in the past so I like to keep my reports locked until I need them. Ive been told itll take 24hrs, then 72hrs but the freeze still remains. I pay a monthly fee Equifax XXXX to access my reports, monitor my credit and lock/freeze my reports which Ive tried to do manually myself. Equifax gave me and advance ticket # on XX/XX/XXXX and promised to give me a call within 3 days with a resolution, Ive yet to receive a call, and my Equifax report remains frozen.

Company response to consumer: Closed with explanation