BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: Nationwide Recovery Systems, Ltd
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received medical care on XX/XX/20 and was billed accordingly. I was paying the bill every single month without ever missing a payment, yet the bill was sent to collections. Upon learning of the bill going to collections, I contacted The XXXX XXXX XXXX directly and on XX/XX/20 I spoke with a XXXX XXXX XXXX who assured me this was all a mistake and it would be removed from collections. Several weeks went by and I paid the entire bill in full and yet the collections statement remained. On XX/XX/20 I contacted XXXX XXXX XXXX XXXX XXXX again and spoke with XXXX XXXX who assured me it should be gone from my credit report within the next few days. I then contacted the Nationwide Recovery Systems ( the collections agency ) and they told me that it was still showing up even though I had paid it in full, but to allow them a few weeks to process everything. Fast forward to present day and I have contacted the Nationwide Recovery Systems , LTD every single day via telephone in order to resolve this matter. I have consistently been hung up on, disconnected and placed on hour long holds without any resolution. At this point this is fraud. The bill has been paid in full for almost an entire year. The debt was NEVER in default to begin with and was fraudulently sent to collections in the first place. I currently owe nothing and am unable to speak directly with anyone from the Nationwide Recovery Systems Ltd. This is fraud and is effecting my credit. It needs to be amended now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
fraudulent accounts reporting on my personal credit report, I am a victim of identity theft

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 2017-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a debt on my XXXX credit report that is not mine. Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX. I have made a written request to this company three times asking for a copy of a signed application and information pertaining to the good and services that have potentially been rendered or received for this alleged. To this date, i have not received any additional information to verify this debt belongs to me. This incorrect information is impeding progress on my ability to obtain financing for a home loan and i would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XXXX XXXX, XXXX by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XXXX XXXX, XXXX and they completed the request on XXXX XXXX, XXXX. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: AMERISAVE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022 AmeriSave asked for opportunity to beat the refinance offer I had accepted. 
XX/XX/XXXX at XXXX XXXX received email with great news they were beating the offer and we needed to lock in the deal with {$500.00}. I called he confirmed this included beating the monthly mortgage payment of {$890.00} including escrow for taxes and insurance ( estimate they beat did not include insurance but I figured they read the form better than me ) and cash back greater than {$17000.00}. Asked for written estimate told don't worry we are on recorded line we need to lock this in. 
Despite requests for written estimate received first one XX/XX/XXXX with monthly payment was {$970.00} and cash back {$13000.00}. 
Made first of several offers for AmeriSave to refund my {$500.00} and we end the deal. This would not be to my advantage as interest rates have risen. 
XX/XX/XXXX closing monthly payment {$950.00} and cash back {$17000.00} ( includes my {$500.00} ) XX/XX/XXXX Consumer manager called and explained how I was wrong and it was simple math. I am certain they have their XXXX  covered over a simple retiree but I told him the offer was simple and they refused to honor it. Probably went on for what seemed like an hour him trying to explain how they met their commitment. This is when they finally decided to act like insurance was not included in the initial offer. They could have made an offer to beat the estimate without insurance but not what they did. In fact, the loan orginator I dealt with it didn't know it wasn't included in the estimate they beat until I told him.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-03
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX I requested my free Annual Credit report from Equifax via the Phone at XXXX where my request was accepted, specifying that the request would be processed to be received within 3 to 4 weeks. I submitted that request using my Home Phone Number from my Home both of which have been the same for the last 15 years. As of XX/XX/XXXX, I have received no response from Equifax. 

Once again, Equifax has not provided the Free Annual Credit Report which they are required to provide by law. This is a repeat of the same problem I encountered XX/XX/XXXX, ( Case Number XXXX-XXXX ) as well as the year before in XX/XX/XXXX, ( Case Number XXXX-XXXX ). For some reason, Equifax seems to be denying my access to my Free Annual Credit Report. 

I need that Credit Report so that I can review it for any potential problems. Please advise. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
In XX/XX/2019, my vehicle was declared a total loss. On XX/XX/2019, XXXX sent out a total loss statement. On XX/XX/2019, XXXX reported that check had cleared for {$6.00}, XXXX. However, Santander USA Consumer reported that they had no knowledge of check being received. I, XXXX XXXX, had taken it upon myself to three way call Santander USA representative along with XXXX agent and finally, Santander stated that they had received the check but could not process it for 10 days. 


XXXX, asked what was the reason for them to hold check, cash and not process until a week later, Santander responded that they had procedures to follow. XXXX ask Santander where they in receipt of Gap payment from XXXX XXXX, XXXX? 


Santander representative acknowledge payment, however, again they were unable to apply payment. 


For the next couple of weeks, XXXX, attempted to contact Santander regarding payment ; however ; Santander stated to XXXX that in order to apply payment, that Santander would need to take two of XXXX, past payments of XXXX and XXXX, delete them ( although funds where deducted out of XXXX bank account previously. 


Santander USA Consumer stated that this was required in order for payments of XXXX and XXXX XXXX to be paid. 


About a week later, XXXX received a letter from Santander stating that loan was under default for missing two payments. XXXX contacted Santander and ask how would loan be under default when over {$12000.00} was received. The agent research and stated it was an error and that the reason was because payments were deleted in order for insurance payments to be processed but for XXXX to ignore issue. 


On XX/XX/2019, XXXX was notified by credit monitoring agency that two payments were missed for XXXX and XX/XX/2019? When XXXX contacted Santander and asked for an explanation, agent and manager stated that it was incorrect. 


XXXX explained to Santander that there closing for a home is less than 30 days and the false credit reporting is jeopardizing XXXX future home. 


The manager at Santander stated that in order to remove report, that XXXX would need to dispute claim. XXXX did not know why it was required since no payments were missed and large insurance funds received. 


When XXXX replied of obtaining an attorney, Santander Manager stated that there Executive Manager would contact me within 24 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Dear Sirs : I've just submitted an application and I called 4 times to the BBVA Compass Customer Service Department XXXX Application Ref. NumberXXXX and the customer service employees didn't have the tools to manage this type of call. 

The decission says : Potential Fraud Risk Indicators - when a decission like this was made, the call is supposed to be transferred to the Fraud Applications Department and they supposed to have the tools to solve this issue. It wasn't declined because of my credit report, it was declined related to a supposed fraud issue. Why the associate didn't verified my application and gave me a reason without any info from me? This bank have a prejudice against me? 

Whats happening with your Customer Service Reps? They have to be rude to the new customers? Thats the image of BBVA Compass Bank? 

If I have the reason, why you dont have the correct tools to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Westlake Services, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Hello good evening I financed a car through Westlake, financial replacing unexpected fees, and taking money out of my bank statement account I have the statements to provide the transaction XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX I called the company see what was going on things dont match up in the end statements they have didnt help or want to retain to help me out.

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 2022-03-15
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: Information belongs to someone else

Complaint:
I have seen an unauthorized inquiry placed on XX/XX/2022 on my credit report file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Global Lending Services LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Global Lending Services LLC is reporting late payments to my credit report. My XX/XX/2023 payment was deferred. My XXXX payment was made. They have reported that both payments were late and that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Tribal Lending Enterprise, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$1000.00} fro XXXX XXXX XXXX. XXXX XXXX failed to disclose that they are under investigation by CFBP for their lending practices. In addition, they are not licensed to issue loans in the State of Washington, where I am a resident. 

If I were made aware of this issue, I would not have obtained the loan.

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
On XX/XX/2020 I mailed into TransUnion via Certified Mail XXXX, an Identity Theft Fraud Report In accordance to the FCRA Section 605 ( A ). The Identity Theft Report including all the necessary documents,, 1. the Appropriate proof of my identity,2. A valid copy of an Federal identity theft report with sworn affidavit, 3. A notarized statement from myself of the fraudulent accounts as well as a sworn affidavit stating that the account and transactions and information in question is not any accounts or transaction related to me the consumer.

TransUnion failed to block all the accounts identified in the Identity Theft Fraud Report as fraudulent accounts. This is a blatant violation of the FCRA Section 605 ( A ), ( B ). I will be taking legal action for this violation. TransUnion has 7 days from the receipt of the
complaint to block the remaining negative fraudulent account. TransUnion 's registered agent is simultaneously being served with legal process on this matter in regards to this violation. If the Negative information is not blocked I will be seeking damages for willful neglect and defamation.

TransUnion Needs to adhere to the FCRA in regards to the Identity Theft Fraud Report in their possession

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 2020-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Recived a notice from XXXX XXXX XXXX XXXX ON THE BEHALF OF Portfolio Recovery Associates about an old debt for a balance of {$520.00} It has brought a lawsuit against me to collect on this debt. IT is an notice of intent to file legal action in XXXX County District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOUTHERN OREGON CREDIT SENT ME XXXX COLLECTION LETTERS FOR DIFFERENT DEBTS OWED BY MY EX HUSBAND WHOM I WAS DIVORCED FROM BEFORE HE INCRUED THESE DEBTS- I HAVE NOT BEEN ABLE TO SLEEP AND HAVE BEEN SUFFERING XXXX XXXX XXXX XXXX OF THIS- THEY WILL NOT RETURN MY CALLS OR EVEN DISCUSS THIS WITH ME- HE HAS A JOB - YET THEY ARE THREATENING ME WITH GARNISH AND SMALL CLAIMS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This information is inaccurate and I have been violated.

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 2017-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America ( BoA ) has not properly credited the insurance portion of my escrow account. 
I changed homeowner insurance carriers. 
I notified BoA ( the new carrier had already notified BoA which paid the new premium, but I do n't have documentation of that notice ) and sent a copy of my new insurer 's policy binder, I delivered to BoA the prior insurer 's refund check which I endorsed to BoA, and sent another copy of the new insurer 's policy binder and asked that my escrow account be corrected. My certified mail receipt shows this was delivered XXXX/XXXX/XXXX. 
BoA sent me a letter noticing me that insurance will be force placed unless I provide evidence of insurance. 
I sent BoA a letter including all the above and asked again that my escrow account be corrected and my monthly payment amount adjusted. 
BoA is acting as if they did not receive my new insurance binder or my check, both of which they received. 

Documentation of the above is attached.

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 monetary relief
Consumer complaint received 2017-10-02
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX2017 I contacted XXXX XXXX ; the new company name of Nationstar Mortgage. While Nationstar Mortgage, I accessed my online account and opted out of all marketing offers ( mail, email and calls ) from both Nationstar and their partners. They were very aggressive in their marketing efforts ( multiple calls requesting I return calls only to find out it was a sales call, priority deliveries of refinancing sales flyers which interrupted my work day at least weekly if not more often ), etc. 

The onslaught restarted when XXXX XXXX replaced Nationstar. I again accessed my account through XXXX XXXX to reset my communication preferences only to find they do not offer that via their website. So I called and requested the marketing from XXXX XXXX and their marketing partners cease. I received a confirmation of my cease and desist request in a letter dated XXXX from XXXX XXXX stating that I would now not receive ANY communications ( sales or account management ) from their company ( ie - account problem emails, escrow payments, etc ) as I do not agree to receive their sales communications. I really do n't feel that if I refuse their marketing, I am refused communication regarding my account ( except the monthly bill ) and that was not my original request -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EMCC Holdings, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Case # : XXXX XXXX XXXX XXXX , XXXX. 
ACCOUNT NUMBER XXXX LOAN NUMBER XXXX Sent on : XX/XX/XXXX STATUS : Company responded the complaint does not belong to them on XX/XX/XXXX Dear CFBC team, Thank you once again for your kind assistance. XXXX XXXX XXXX , XXXX. s response leaves us a little confused based on the following premises : 1.If the complaint does not belong to them as they boldly claim, then why did they accept our certified mails and signed all three return receipts? 
2. If we had no business with them then why did they give us an account number in the first place? Why are our business transactions recorded in their books, why do they send us financial statements? 
3. If the foregoing argument has all true premises and a true conclusion, then it is valid and we have reasons to believe that : XXXX XXXX XXXX , XXXX. s response is a false statement made to a federal agency and certainly constitutes federal lying statutes contained in Title 18 of the U.S. Code Section 1001 which states that : Whoever, in any matter within the jurisdiction of any department or agency of the United States knowingly and willfully falsifies, conceals or covers up by any trick, scheme, or device a material fact, or makes any false, fictitious or fraudulent statements or representations, or makes or uses any false writing or document knowing the same to contain any false, fictitious or fraudulent statement or entry, shall be fined not more than {$10000.00} or imprisoned not more than five years, or both. 
We do recognize the dependability and reliability of the United States Postal Service ( USPS ).  Please find attached proof from the USPS and act accordingly. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes ive been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the Equifax data breach and may have gotten into the hands of the wrong people.

Company response to consumer: Closed with explanation