BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company name is through National Credit Systems for XXXX XXXX  XXXX XXXX original creditor balance of {$9600.00} joint account opened XX/XX/XXXX last reported XX/XX/XXXX due to a dispute I mad said it met FCRA requirements still have not received no documents/information after contacting them that violates FCRA requirements, and them sending negations offers to pay bill in full at high ridiculous unrealistic amount that would take me more then 7 years to pay regardless. I contacted them various times regarding why there are charges of {$9600.00} wanting an itemized report on how they came up with this large amount of collection. This joint account was due to other non payer during Covid-19 that lost there job. The apartment were already in not good living conditions they were for XXXX XXXX next to XXXX XXXX XXXX the amount of money is unrealistic for the apartment realistically a studio I have photo still of how the apartment looked when we moved in, and many others in that complex has the same issues with ridiculous charges made fraudulently. In the small time period I lived there two new management teams were there they could not keep management. I tried contacting the office they were unresponsive and in the middle of training new management. I contacted the collections company I have never been treated so poorly before as if the stress of a XXXX XXXX with school depth with a XXXX dollar collection during Covid -19 was not stressful enough because an old roommate was not paying his bills. I tried to explain I wanted itemized documents on how they were getting that amount of money, and possible resolution I will not be able to pay that much money my self it would just have to wait 7 years to get dropped off. I know there was a Covid-19 relief to pay renters who were unable to live there XXXX cash to move out immediately because they did not want people not being able to get evicted. They transferred me to multiple representative all harsh, and still couldn't give me information said I just had to pay it. I ask them its my right to have documentation why I owe that much money they hung up on me I called back tried to make a complaint they transferred me to the management and supervisor line went straight to voicemail I left 5 plus voicemails never got back to me. I was so upset I cried and left it alone this has been ruining my credit, and I don't have a lot of depth I'm in XXXX XXXX  struggling. Due to this my chances of renting on my own will be impossible. This company wont respond or give me information of the documents I asked for the charges are insane for those apartments there trying to exploit us on extra outrageous fees. I have seen the company 's reviews I'm clearly not the only person having this issue they have many many complaints. I have had a collection before where it was easy and handled professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Kohls was having issues sending the statements to my correct address in 2019 and I even spoke with several representatives on multiple occasions to fix this issue. But my attempts were unsuccessful. I was only made aware of the late payments after the fact once the mail eventually arrived to my residence. I have always been diligent about paying my obligations on time and these late pays are a result of the poor communication and transparency on Kohl 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were part of the Cares Act, resumed payments on XX/XX/XXXX and deferred the prior payments to end of mortgage. However we noted that both our regular XXXX and XXXX payments - though showed as paid were not applied. My husband contacted Bank of America and was told that was a mistake on their part and they would be applied correctly. As of XXXX we showed a XXXX balance due with next payment due on XX/XX/XXXX. Today we received notice of major derogatory on our report. A big shock to us. In contacting Bank of America they said it was a software mistake and our payments had been routed elsewhere?!? The woman seemed horrified and apologetic but the manager that needed to address was out for the day. She said they would send letters for our credit cards. But didnt know how long this would take to address. This isnt good enough. Once before when this bank made an escrow mistake they sent letters but it was too late - credit card usage had been disrupted and it was not restored for months. This needs to be addressed immediately. Managers being away and this being routed through their regular routing process is not enough. If my credit is impacted I deserve compensation from this bank. This bank should not be sending ANYTHING to credit right now if they have this many issues with new software and working from home.

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 2020-05-27
Company: Aspen Yo LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my mortgage was transferred from XXXX XXXX  to Gregory Funding. I was in the middle of a loan modification - and was assured that Gregory Funding would honor the terms of my loan modification with XXXX XXXX. 

I have tried on 6 occasions since XX/XX/XXXX to have my loan terms correctly applied with Gregory Funding and have been given excuses as to they need more time to setup my account and or they dont have the loan modification agreement. I have sent them the loan modification agreement via fax that Gregory Funding provided on XX/XX/XXXX, emailed after getting no response on XX/XX/XXXX, and then uploaded to their website on XX/XX/XXXX. Not to mention that every call takes a minimum of 20 minutes on hold before you speak with anyone! 

All I want is for Gregory Funding to accept the terms of my loan modification, which they must legally honor in accepting the transfer of my account from XXXX XXXX. I have placed XX/XX/XXXX payment in escrow as they have refused to accept the funds and will do the same for XX/XX/XXXX if this is not resolved quickly.

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 2020-10-28
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a {$1000.00} hospital bill on my credit that has been on their 5 years for XXXX XXXX I received following a car accident I was in that was not my fault and was to be paid by the other parties insurance as part of my settlement. The collections company will not listen to me or help in any way and Ive been dealing with this for 5 years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: WY
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Complaint : The both XXXX and Transunion Credit Bureaus have failed to verify the two accounts listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ). 

Background : I filed a dispute with ECB per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded the two accounts be Verified or Removed immediately : Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Additional Facts : Both XXXX and Transunion received Certified Letters on XX/XX/2020 ( See Attachment ) Deadline to Provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Neither XXXX or TransUnion have provided Verifiable Proof that meets the standards of FCRA, and these two accounts still remain on both my XXXX and Transunion credit reports.

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 2020-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I reached out to XXXX  and Equifax to dispute inaccurate information regarding my name, address and accounts on my credit report on XXXX XXXX and asked that they immediately send me the method of verification for these accounts. To this day, I have not received an answer from both XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
For the last 2 months experian is not reporting properly the status of my XXXX visa reward card.

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 2017-09-15
Company: CAINE & WEINER COMPANY, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine and Weiner is attempting to collect a debt of my XXXX grandmothers for which they can provide no actual proof of payment beyond the word of original collector. According to original collector 2 payments were made after contract was terminated due to XXXX of my grandmother on XX/XX/XXXX. There has been no evidence provided of payments, ie ; cancelled check, deposit slip, bank statement. 

I have disputed validity of debt, and again sent a certified letter asking XXXX XXXX XXXX to cease all collections of debt as they can not provide legal documentation of debt. I authored this letter after speaking with XXXX XXXX on XX/XX/XXXX where as he became very hostile towards me on the phone and ended the conversation by hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I got a car loan through credit acceptance in XXXX of XXXX. My payment has never been late. I made sure to make my payments on time every month. I struggled during the COVID-19 pandemic to pay my bills but still managed to make sure my car note was paid on time. It all became too much in XXXX of XXXX  and I just could not make ends meet. I called credit acceptance and explained to them that I would be unable to make my XXXX payment. Trying to be proactive and looking for some sort of resolution, I explained to them that my financial situation was strained because of the global pandemic, that I was no longer employed and struggling to pay my bills and maintain a household as a single mother of XXXX. I did exactly what it is posted on their website to do, which is give them a call as soon as possible if there is an issue making a payment. I asked for some sort of grace with the company because of the state that we were in in the world and because of my outstanding payment history to that point. I was told that there was nothing that they could do to help me other than note my account of the conversation. They reported my account as late with the credit bureaus, which has negatively affected my credit score and payment history. This has caused a tremendous amount of stress, pain and grief to an already traumatic situation. I find it absolutely devastating and appalling that company 's can be this heartless and ruthless to the consumers that keep them in business, especially at a time like this. There should be some sort of relief or program offered to help customers. My payments were on time before and have been made on time since. Credit acceptance is taking advantage of their consumers and are only in business to help themselves, not the customers! They should not be able to hurt or affect peoples ' lives this way, especially now, during a pandemic! Something needs to be done!

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 2023-03-04
Company: Credit Karma, LLC
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I applied for a card they said had guaranteed me to get. I was denied. They promised me {$50.00}, yet have not received it. Now they have stopped answering emails ( changed emails once due to my email acting up. Its resolved now )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: AmeriCollect
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Not only was I never given the chance to dispute the debt before it went on my credit report but the information they have now provided is insufficient. 

1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Performant Financial Corporation
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My social security XXXX check is being garnished due to XXXX declaring me ineligible for assisistance after declaring eligible in hurricane XXXX in XXXX. Performant recovery now owns the debt and when asked for statue of limitations it decline not to give any info but instead if there is a statue tell them and they would forward it to the collecting source that was in XX/XX/XXXX. I asked to validate the debt but they also declined and said they were collecting on a debt assigned to them through the fiscal bureau services due to a debt owed to homeland security in the amount of XXXX. 
On XXXX of XXXX a different agency owned the debt but when sent in my financial list to dispute the debt and to waive amounts due to hardship. My debt was placed with XXXX in XX/XX/XXXX then garnished and has been and has not stopped or given any indication when it will or why it has started I am on social security XXXX I can not afford to keep being garnished for the entirety of my life. For a debt XXXX claim I was eligible for.. I sent in documents then they changed their mind and still 15 years later saying I owe. I never received any letters except from the cpa when I sent in my financial statement and when responded my debt was then placed with XXXX XX/XX/XXXX XXXX months later.On XX/XX/XXXX of XXXX my stimulus check was offset by the Department of Treasury filed through the irs through the recovery rebate program. I am already being garnished why was my stimulus taken as well? This has been an ongoing XXXX for me. Who can I speak with to reverse this garnishment and refund all my monies paid through garnishment, tax offsets and now stimulus/recovery rebate credit. What are my options who can help?

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 2020-07-29
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: IL
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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