BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/1985 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of Documentary material the original signed consumer contract - any and all accounts you post on a credit report. Pursuant to 15 USC 5561 documentary material includes and IS NOT LIMITED TO, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium.

Your failure to positively verify these accounts has hurt my ability to obtain credit which has cause me duress and stress which is a direct violation of my rights in regards to regulations involving the practice of debt collection. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Sterling Infosystems Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX I requested a background check and when I got it back, it says that I got my license XXXX  in XX/XX/2014 because of a XXXX, when I really got my license XXXX  for 30 days because I was doing 16 over the speed limit with a limited license. They XXXX  my account for this

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 2020-05-07
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Multiple calls from the debt collector ( NCC - XXXX, case XXXX ). After speaking with them they are refusing to disclose the actual debt due to the Town of XXXX for personal property on a prior owned vehicle. According to the Town of XXXX, we have never had an outstanding balance on any of our personal property accounts for our vehicles. Debt collector claimed to have sent documentation but none was ever received. This debt collector is continuing to harasses us for fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been on an Income Driven Repayment ( IDR ) plan for the entirety of my time in repayment with XXXX. This year, I submitted my IDR recertification request on XX/XX/XXXX. The prior years IDR recertification, I submitted my request on XX/XX/XXXX, which was approved and implemented without issue. On XX/XX/XXXX, I received a denial letter from XXXX stating, it is not yet time to recalculate your payment. We will notify you when it is time to submit your annual recertification documentation. '' I relied upon this representation from XXXX. I got no other letters from XXXX about submitting my recertification documentation. The next letter I received arrived in my online inbox on XX/XX/XXXX, and indicated that XXXX had not received my complete annual documentation, resulting in my increased payment and capitalized interest. My application was submitted prior to the deadline and I received no information regarding a penalty for applying too early. Additionally, I received incorrect and misleading information from XXXX regarding the time to re-submit my application. I relied on this information and, as a result, was incorrectly removed from my IDR plan, had my payments increased, and had my interest capitalized. Finally, XXXX had a valid and complete application on file at all times relevant to this issue that could have, and should have, been processed. XXXX 's customer service has been unhelpful and has given me contradictory information every time I call. I have submitted a full appeal letter trying to resolve this problem, and have still not heard back from them. Meanwhile, my account is past due and they keep pushing me to go into forbearance rather than just fixing their error so that I can make my normal IDR payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
1.On XX/XX/2018, I received a telephone call from my relationship XXXX at HSBC Bank USA where XXXX had been a customer for over 18 years advising me that she had been instructed by the Compliance division of the bank to " exit the relationship '' and that it would be closing my accounts on XX/XX/2018. The full back ground which appears to have led to that decision is summarised in an e mail dated XXXX XX/XX/2018 which I sent to XXXX XXXX XXXX, my Relationship XXXX at the bank. A copy of that e mail is attached to this complaint. 


2. For the reasons which are fully set out in my e mail to XXXX XXXX I was wholly bemused by the decision. But I am aware that the decision can not be challenged, nor can I be advised of the reason for it. So I shall have to make alternative banking arrangements. 


3. But I regard the amount of time afforded to me to make alternative banking arrangements - seven working days - as wholly impossible to achieve. All banks have KYC procedures and I am aware that these can take between fourteen to twenty eight days to conclude before an account can be opened. So the time scale for closure specified by HSBC will leave me without a bank for as a minimum a period which I estimate to be three weeks ; and will inevitably result in : a ) regular payments from the account I have mandated to third parties being unpaid, resulting in, among other things, a negative impact on my credit score ; and, b ) regular payments into the account being bounced back, since given the inadequate period of notice for the account to be closed, I shall not have time to re route these payments to the new account 4. I have requested that the bank extend the period for closure for a minimum of period of a month. To date they have not confirmed they will do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Ocwen Financial Corporation
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late??? I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2018-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Bank of America has tried 3 times to foreclosure on the property they do not have a lien. The property located at XXXX XXXX XXXX does not have HELOC # XXXX attached and have been notified and reminded the lien secured for XXXX XXXX XXXX XXXX XXXX been paid in full by a title insurance claim. Bank of America is negligent and incompetent in dealing with a loss mitigation situation. Bank of America continues to hire XXXX and XXXX to foreclose on a property is not associated with Bank of America HELOC # XXXX. The XXXX  XXXX XXXX that authorized this continuing foreclosure needs to be identified and reprimanded. The property at XXXX XXXX XXXX is free from any Bank of America HELOC and the title clearly shows this. This is reckless and criminal behavior by Bank of America. We ask the CFPB is regulate and enforce action  against a undisciplined tyrant Bank of America.

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 2019-02-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
During XXXX and XXXX, I requested to be place in the PSLF plan and was told several times by Navient that I did not qualify. During this time, I worked for XXXX XXXX XXXX in the XXXXXXXX XXXX. I was unable to make the payments and therefore my account went into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I enrolled for CareCredit-Synchrony in to use a XXXX/XXXX   XXXX listed with them as a reputable provider. I went expressively to see if my XXXX could be saved do to an XXXX XXXX. At first XXXX said no, then he said he could XXXX it. I said that if it had to be XXXX, please do so, because I did not want to come back in a year to have any issues. He assured me and affixed a XXXX XXXX. This was the first of what turned out to be {$14000.00} worth of oversell. Within 9 months the XXXX was XXXX. XXXX was convinced it could be saved after 3 additional visits to his office where his other XXXX said that it had to be XXXX. He sent me to an XXXX who said that the XXXX should have been XXXX from the onset, about a year before. I have contacted CC-Synchrony many many times. I tried to work it out with XXXX many many many time. I have written letters. Through this I received a statement from to CC-Synchrony that XXXX 's office sent and half the items that were charged were never done as well. I am waiting for the CA Dental Board to get back to me because XXXX had lost his license to practice for exactly the same reasons before. CC-Synchrony 's position is that I signed the credit card statement, so they are not responsible for anything. I alerted them time and time again and they are the ones who said to try to work it out with the provider. That fix is well exhausted. My position is that, if we look at this credit card, services were not provided as stated and which these statements were never given to me at the time anyway. CC-Synchrony allowed a known criminal to extort money from me and fed them the lines to say to keep it as well. They told me from the beginning that if the work was not done I did not have to pay as well as I should never have paid up from for XXXX until the steps were completed, I am not even halfway through with the treatment and someone named XXXX said I told her personally how great my XXXX  look and I was glad to be done with it? I now question any and all work by XXXX and want my money paid to date back. He even charged and was paid by my insurance provider to pull the XXXX, I still own it and until this is settled I will bear the pain.

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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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/18, I requested a copy of my credit report from all three credit bureau and at first glance, I notice an account that wasn't mined. I did some deeper research found out that some individual had somehow got my info and used it to buy a dog at a pet shop, without on permission. I wrote disputes letters to all three of the credit bureau TransUnion, XXXX, and XXXX. they keep writing back account XXXX was verified, I even contacted the finance company that provided the finance to the pet company. they sent me a copy of the original contract, which was fraudulent, they also said the item should be deleted off my credit report. Sent all three bureau proof of the fraudulent contracted, but still, they would not remove the item off my report.

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 2018-10-15
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
When I applied for loan with CashNetUSA they could not tell me how big payments are going to be. My first payment was about {$120.00} and was taken twice a month. After that payment was {$220.00} and keeps climbing up. It seems I am just paying for interest. Next payment is coming up on XX/XX/XXXX in the amount of {$300.00}. When I contacted them they emailed me to inform me about interest rates and promised to work with me to help me. If I knew what will happened I would never get a loan from them. Even now I dont know what my next payment is going to be. I think its not fair on a credit line of {$1400.00} to make payments of {$600.00} a month. And my balance is still the same.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have a account a medical bill on my credit report that services was giving to and they have me as responsible for someone that I dont even know .. This account does not belong to me and I dont know who the other person that the services was giving to but I need this removed from my credit report cause this account does not belong to me and I am not held responsible

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 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
i called today since i did not receive my XXXX purse ordered beginning of XXXX i did email XXXX no response. it may have been stolen. NEVER received. 
its on my card ending XXXX i will keep contacting merchant but not paying for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-24
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: Personal information incorrect

Complaint:
I contacted TransUnion with incorrect information on my credit report on XX/XX/XXXX, advising them of the information that is incorrect. They sent me a copy of an " updated '' credit report, that did not have all the information updated. I sent another letter to them via Certified Mail on XX/XX/XXXX, advising them of the information that was still incorrect. I received another updated credit report today, XX/XX/XXXX with the incorrect information STILL listed on my credit report. It should NOT take 3 letters to have INCORRECT information removed from my credit report. I want ALL the phone numbers removed - I do not want my phone number listed. I do NOT, nor have I ever gone by XXXX XXXX XXXX. My employment data should only reflect my current employer, as per stated in my previous two letters to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Independent Dealers' Advantage, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
There a two negative remarks on my credit report for XXXX and XX/XX/XXXX. My payment was due XX/XX/XXXX and I made the full payment XX/XX/XXXX. XXXX, the car dealership IDA took XXXX dollars of my payment and applied it to collateral protection insurance payment with out my knowledge. So when my XX/XX/XXXX payment came due and I made my car payment they advised me that the rest of my XXXX payment was not paid because they applied the funds to the CPI with out my knowledge. The same thing happen to my XXXX payment as well. I have been making my car payments within 30 days and it is not with in the FCRA for them to allocate my payments to where they want them to go and then report me as being 30 days late XXXX and XXXX payments when I paid my car payments in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: LDF Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/19 the collection agency ( XXXX XXXX XXXX PH : XXXX ) contacted both of my daughters and the general manager at my place of employment XXXX XXXX who is in senior management at my place of employment contacted me to tell me he received a call. This puts my job in jeopardy and is extremely embarrassing. 

I contacted the collection agency on XX/XX/19 and talked to XXXX. He told me the original company was filing a judgement againast me for {$2200.00}. However, if I paid {$510.00} that it would be free. They refused to send anything in writing first. I was transferred to someone else and was told they do not send anything in writing but I would get a payoff after payment was made. I do not believe this. THEY NEED TO QUIT CALLING MY FAMILY AND MY PLACE OF EMPLOYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
About ten years ago I permanently opted out of pre-approval offers from banks. 

Bank of America has recently sent me mail in violation of the do not contact list. They are the only credit card company to do so in many years. They informed me that I can opt out by calling XXXX, but I'm not interested in doing this again just for this bank that won't abide by the original opt out as all other banks do. 

The contact person in my letter was : XXXX XXXX XXXX XXXX, Bank of America The personal code is 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 2020-05-13
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Navient, I notified them that this account was identity theft. I also submitted certified letters, affidavit, police report, driver license, social security card, a copy of my identity theft report, a copy of notice of furnishers, a copy of 605B, asking them to please remove this account from my credit report. I have gotten no response. I have made phone calls and sent follow-up letters. last one sent XXXX/XXXX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
1. I opened a savings and a checking account with a bonus of {$250.00} for the checking and {$50.00} for the savings. I received {$200.00} for the checking. I filed a complaint with the CFPB three months ago and have yet to receive a response. 

2. I tried to close the account by sending myself a bill pay and they never processed the bill pay. Great thing they provided me with ONE check that I wrote to myself to close both accounts. 

3. I tried to close my accounts and because I have .XX/XX/XXXXXX/XX/XXXXthey asked me to donate my monies to them to close my account. Not only did they short me {$50.00} now they want to keep my interest. It will cost me more to drive there to get .XX/XX/XXXXXX/XX/XXXX. I want my savings account closed and a check issued. I called on XXXX to close the checking account. Please confirm that it has been closed. 

4. Please send the correspondence relating to the CFPB complaint on my {$50.00} and closure of my account to my home emailing address on file.

Company response to consumer: Closed with monetary relief