BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On [ XX/XX/2021 ] I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Netspend Corporation
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had filed a dispute on a charge that was made to a merchant on XXXX to my NetSpend card after doing so XXXX resolved the issue and refunded my money through PayPal which has my refund now due to the fact I diputed the charge to my credit card company I can't receive a refund and net spend won't drop the dispute I filled on my request that it's been taken care of and is hold the dispute for thirty more days I want it dropped now I am told there's nothing I can do but what really I did it now can't reverse it and there dispute department has no contact info to talk to them it all a bigness that's now held up a large sum of money my that I need 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 2019-10-27
Company: Firstsource Business Process Services, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received letter from One Advantage on XX/XX/XXXX ( Document 1 ), for services from XX/XX/XXXX. Now as stated in the previous complaint, I have received ONE single bill that is supposed to be for ALL pending billing issues. This amount sent to me by One Advantage is supposed to be included in what I had to file a XXXX   complaint to have my financial aid assistance in XXXX of XXXX ( based on phone calls from XXXX XXXX in XX/XX/XXXX, and the incompetence of its staff ). 
Furthermore, this amount is no longer valid ; as my insurance company has reprocessed the claim and PAID IT IN FULL. Reference Documents 2 and 3 ; as shown on page one of both documents, the transaction date is XX/XX/XXXX and also shows that my insurance company paid in full. 
Referencing page two from Documents 2 and 3 ; the claim was sent to the insurance company on XX/XX/XXXX and processed it on XX/XX/XXXX. Referencing Document 1, the claim was processed by One Advantage on XX/XX/XXXX ; which gave XXXX XXXX Hospital fourteen days ( nine business days ) to update their records for this issue before sending it to collections. 
Note : I did remove the name of the service provider from Documents 2 and 3, as it would give an indication of the nature of the procedure I had. The procedure was required due to an XXXX XXXX XXXX XXXX, in which I am under no obligation to disclose to One Advantage. Furthermore, any employee of One Advantage with knowledge of my medical condition would be a violation of the XXXX and HIPPA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: BMW Financial Services NA, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My ex-wife ( XXXX XXXX XXXX - now XXXX ) and I ( XXXX XXXX XXXX ) are co-owners of a XXXX XXXX XXXX XXXX that is financed Through BMW Financial Services. She recently moved to Florida and went through the process of titling the vehicle solely in her name. Prior to her doing this I contacted BMW Financial and expressed my concern over her titling the vehicle solely in her name. I was not willing to do this unless BMW removed my name from the loan. I was told BMW would not allow this to happen. 

Well they did just exactly that. They issued a letter to the Dept of Motor Vehicles in the State of Florida giving them permission to remove my name from the registration and title. I feel now I have no recourse if XXXX fails to make payments on the loan. I was told by BMW Financial XXXX could refinance the loan and take my name off. This was the only way I would come off that loan. She is not willing to do that. Why would she? 

So my complaint is : BMW has caused by their actions to create an imperfect title. 

Resolution : Remove my name from the vehicle loan and make XXXX XXXX XXXX solely responsible for the existing loan or issue a new loan attached to the XXXX  XXXX XXXX that is now in her name only. Or at the very least a letter from BMW Financial stating that if XXXX were to default on the loan they will not seek restitution from me. 

I have attached a copy of the letter from BMW and a copy of the old title for the XXXX XXXX XXXX. giving this permission to remove my name from the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been requesting verification of the following account that Equifax continues to report on my credit file : Wage Earner Plan/Bankruptcy # xxxxxx. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Thursday, XXXX XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and she informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX, along with information suppression dated XXXX XXXX, XXXX. I have attached a copy of my security freeze and suppression confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On Friday, XXXX XXXX, XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and he also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. He also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX. 
I also contacted the U.S. Bankruptcy Court requesting their process of reporting bankruptcy information to the credit bureaus to which I was informed that they DO NOT report to ANY credit agency. I have included the letter from the bankruptcy court as well. 
I demand that this public record Wage Earner Plan/Bankruptcy # xxxxx is removed due to lack of verification and inaccurate reporting of verification date. The entire process of reporting a public record from the original source is a flat lie based on information given from the United States Bankruptcy Court. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying the account is verified. I demand that this unverified account : Wage Earner Plan # xxxxxxx is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : Wage Earner Plan/Bankruptcy # xxxxxxx is removed/DELETED PERMANENTLY due to lack of verification, INACCURATE REPORTING OF VERIFICATION DATE and invalid process of reporting a public record. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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: Other problem getting your report or credit score

Complaint:
https : //service.transunion.com/dss/disclosureCategories.page transunion@em-tuci.transunion.com I don't think this is actually transunion. I have been having a XXXX of a time with my identity here lately and I think I may have just given whatever this XXXX web site is my WHOLE Social security number!! SMH I am BEYOND over this freaking phone. I need someone who can help me put up safeguards for my identity to please please tell me what to do I am at my wits end!

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 2020-12-28
Company: CCS Financial Services, Inc.
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Harley Davidson Financial Services Inc
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX, i purchased a new Harley Davidson XXXX XXXX motorcycle for {$15000.00}. On XX/XX/XXXX I brought the bike to the dealership for a recall and when I went to pick it up it was gone. It was picked up by the co-borrower and a third party. The sherriff refused to help and it was several months before I got the bike back from the co- borrower. During that time I did not make payments, several phone calls a day came in from Harley Davidson Financial, including additional calls to my place of employment. I lost my job due to the daily calls at work which slowed my attempts to get the account in good standing. As a result a voluntary repossession took place. To make matters worse, hurricane XXXX hit Florida a few days later and was told I could not pay to get it back because it was damaged beyond repair. I was also told, ( by an attorney ), that because the bike was in the posession of the recovery company at the time of the hurricane, their insurance company would have to settle with Harley Davidson. Not long after I received a letter stating it was charged off as bad debt, affected by natural disaster. Now 3 years later, I just received a collection notice for {$8500.00}. Is Harley Davidson entitled to be paid twice? Am I still liable for the loss even though the damage occured elsewhere?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was a Wells Fargo member for over 10 years, I had a credit card with them that went to collection. I was in the process to change jobs when I started to running behind with payments and went to collection. After the account was place in collection I reached them to " pay for delete '' and we were able to settled the account. I paid {$510.00} now the account is XXXX balance. I called to send them a Good will letter so see if they are able to remove the account off my credit report, since it has a high impact on my account, hurting my scores badly. They say that I was able to settle for the 40 % and I still have a balance with them. I told them I have my receipt an I have a balance XXXX. This company is not able to negotiate with no one. I believe this in an abuse of power.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-08-10
Company: National Credit Adjusters, LLC
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: Was not notified of investigation status or results

Complaint:
I have repeatedly asked for verification of this debt through the credit bureau and have received nothing. But yet it is on my credit report as a collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase Card Services is violating the credit card act of XX/XX/XXXX by applying payments above the minimum to the lowest interest balances first not the highest. I am attaching statements for XX/XX/XXXX-XX/XX/XXXX since the transfer of 0 interest funds. I called once and had the interest charges removed. When I called on XX/XX/XXXX, about new interest charges the agent and the supervisor both insisted that payment was to be applied to the lowest interest balances first. I noted the credit card act of XX/XX/XXXX, and the supervisor replied that " a global company like Chase would not get it wrong. '' Please note : I am not making this complaint so much to recoup my {$7.00} as I am concerned of widespread violation at Chase and believe this should be addressed at the highest level.

Herewith the relevant paragraph from the XX/XX/XXXX consumer protection law : 164. Prompt and fair crediting of payments ( a ) IN GENERAL.Payments ; ( 2 ) by inserting, by 5:00 p.m. on the date on which such payment is due, after in readily identifiable form ; ( 3 ) by striking manner, location, and time and inserting manner, and location ; and ( 4 ) by adding at the end the following : ( b ) APPLICATION OF PAYMENTS. ( 1 ) IN GENERAL.Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-28
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Credit decision / Underwriting

Complaint:
Champion Mortgage Keep sending me Fraudulent Claim, what is not, on my Mortgage Note. Champion Mortgage Chooses to apply a Advance Payment to the Mortgage Note in which I never requested no is it allowed under the term of the Mortgage Note. 
They send me a DEFAULT DUE to non-payment of TAXES and INSURANCE in which I always Paid from since I obtain the LOAN Champion Mortgage has the Home Owner Insurance Policy the carrier and the Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I CONTACTED FORD CREDIT SEVERAL TIMES CONCERNING THIS ACCOUNT, WHEN THE PERSON APPLIED FOR CREDIT IN MY NAME AT THE FORD DEALER I DISPUTED THE INQUIRE AND IT CAME OFF AS FRAUD, I CONTACTED FORD CREDIT AGAIN AND TALKED TO A FRAUD ACCOUNT MEMBER AND XXXX XXXX STATED TO ME IT WILL BE CLOSED AND I WAS NOT RESPONSIBLE FOR THIS LOAN. THE PERSON USING MY PERSONAL INFORMATION IS XXXX XXXX XXXX WITH MY EX WIFE, XXXX HAS BEEN ARRESTED AND SENTENCED SEVERAL TIMES FOR USING MY INFORMATION AND NOW IS WANTED STATEWIDE FOR NEW CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: EQUIFAX, INC.
State: UT
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:
XXXX and XXXX XXXX XXXX XXXX are currently double reporting on my credit file. Also, this should NOT be reporting as a charge off. This is in clear VIOLATION of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX, 2018, I learned that my M & T checking account was overdrawn. I discovered that someone had used my account to make a purchase on XXXX. I contacted XXXX and the charge was reversed. I also notified M & T bank. However, insufficient funds charges and penalties had already been imposed. XXXX restored the money to my account, however M & T did not remove the insufficient funds fees and penalties. Furthermore, the bank took the money returned by XXXX, approximately {$8.00}. Now there is a collection agency demanding {$89.00} for the improperly assessed insufficient funds fees and penalties threatening to damage my credit. M & T must be held responsible for its error and continuing harm it is causing 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 monetary relief
Consumer complaint received 2019-10-27
Company: Bread Financial Holdings, Inc.
State: RI
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:
How is this charged off when there is no late remarks on it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In reference to complaint number XXXX, we have not received a response from Nationstar. Per their last communication to us, Nationstar was to provide a response by XXXX/XXXX/15. It is now XXXX/XXXX/15 and we have not heard from Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have a XXXX  XXXX XXXX XXXX account that was a personal loan for {$300.00} that I paid off in full and its showing potential negative on my XXXX report as well as a XXXX XXXX credit card that I paid off of balance of {$440.00}. I would like those two items corrected or removed off my credit report please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XX/XX/2019 - I refinanced my current VA loan and it was sold to Plaza Home Mortgage. I receive a letter from them stating my first payment of {$1700.00} is due by XXXX XX/XX/2019. 

XXXX XX/XX/2019 - I mistakenly send the first payment check to XXXX a month early and call to ask that they either 1 ) don't cash it, or 2 ) apply it towards my XX/XX/XXXX payment. They tell me they will do nothing with the check. 

XXXX XX/XX/2019 - my account shows that they have indeed cashed the check. I call to ask about it and am told that they have no idea where my money is since I do not have an account with them, yet. I am transferred to a " XXXX XXXX '', a manager. They demand proof from my bank that the check was cashed, which I provide from XXXX after several more phone calls. I fax the proof to the number she provided over the phone and hear nothing back for two weeks. I call them again and am told I can not speak to XXXX again, so I am forced to tell my story for what is now the fourth time to an entirely new person, as their records reflect next to no details of what has transpired. Finally, I am told that a letter regarding the resolution of the issue was mailed to me. I receive the letter and it states " Please note that the payment is fixed up to date and the account is current '', which I interpret as they were able to apply the funds they already took from me for the XX/XX/XXXX payment. 

XXXX XX/XX/2019 - I am getting hounded with calls after XX/XX/XXXX from XXXX. They call, let it ring three times, and leave no messages. When I call back, they have no record that they called me. I finally catch one such call and am told that I need to make my XX/XX/XXXXpayment. I ask what the records reflect as there should be no way that I still owe them money for XX/XX/XXXX, and am told that there is no record indicating such a thing. I am put on hold for 25 minutes to be connected to a manager who has a hard time understanding English. The call disconnects shortly after I am greeted.

Company response to consumer: Closed with explanation