BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Selene Financial is stonewalling my modification process. They are using tactics like saying they can not find my authorizations for 3rd party to speak on behalf of me. Also, the customer service put me on hold for an hour ( XXXX XXXX ) and never came back, hung up on me when i called back to complain ( XXXX XXXX ), and then the manager ( XXXX XXXX ) yelled at me and hung up.

All I was trying to do was get assistance with modification but these people are not trained to do so. They are abusive to say the least and extremely combative. When I told Mr. XXXX of these actions his response was, " I can see why they are so combative ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Riverwalk Financial Corporation
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: Their investigation did not fix an error on your report

Complaint:
On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX  XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and no response. I also sent out certified letter with return receipt to XXXX  on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX : is still on my credit report with XXXX deleted off the other two bureaus 2 ) XXXX XXXX  ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) Deville Asset Management : still on my credit report should be deleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted.

None of the credit bureaus or creditors/collections have proved me with proof of what was ask for in the letters that were sent. So, by law these item should be deleted if no proof was given.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In a letter dated XX/XX/2019, my wife received a notice from Bank of America stating that they were terminating their banking relationship with her by closing her checking, savings, Mastercard and various other joint accounts she has opened over 25 years. Since my wife and I are joint owners of several of the accounts, I am seriously affected as well. 
On Wednesday, XXXX XXXX XXXX called the phone number given on the termination letter and was told that Bank of America would not give any reason for the account closure and that the decision was final - there was no recourse for my wife or I to keep our accounts open. On XX/XX/XXXX I also visited my local branch of B. of A. where the representative made an official inquiry into the closure, but when another representative responded to me, she simply told me to call the number I had already contacted. Finally, I talked to our investment officer in charge of our accounts at XXXX XXXX on XXXX XXXX as well. He was not able to give me any reason for the closure as well, but he did say that since only my wifes name is on the letter they would let me keep the joint accounts if she removed her name from them. We can only surmise that it is my wifes surname and her original XXXX citizenship that is the reason for this termination even though she has been a naturalized XXXX citizen for 22 years. 
This is outrageous. We have been married for 27 years in XXXX. We have had our bank account with B of A for longer than that and we have substantial combined assets in B of A and XXXX accounts. Even our mortgage is B of A. In other words we should be the kind of client banks should want to keep, not kick to the curb. 
I think Bank of America is continuing the practice of purging XXXX nation citizens from countries with poor reputations. It is truly chilling that they would terminate with no recourse or even asking to confirm citizenship. They are in effect saying, of course, that all XXXX are XXXX XXXX and XXXX XXXX. I have seen newspaper accounts of banks freezing assets and closing accounts of XXXX   XXXX as well. 
I think this is a type of XXXX ( or XXXX? ) profiling. It violates due process and my wife 's civil rights. I demand Bank of America answer for its actions against hardworking XXXX citizens.

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 2019-03-15
Company: Consumer Portfolio Services, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In the year XX/XX/XXXXme and my mother as a ci-sugner bought a XX/XX/XXXX XXXX XXXX, the total price for the vehicle was {$23000.00} with {$1000.00} down payment and dealership fees and other fees that gave that sum. Seller was trying to sell us the vehicle and just started adding numbers and more numbers and % for lease without explaining and if he did explain, it was short and like any other seller says when trying to get some one to sign, he said ; sign here for this that and this portion for this and that not explaining well the % of interest and principal when he mentioned 8 % only and folding the papers not letting us see the total dollar amount of {$38000.00}, if we would of have seen the {$38000.00} we would of think it through and not take it, nor did the seller offer any other financing options like a new XXXX with 0 % apr, and only just showed us the total for {$24000.00}. We feel that we were taken advantage of and did not offer a good customer service as well. 
If there is something that can be done or even try getting rid of the vehicle it would be good since we are not wanting to keep paying {$510.00} per month for the rest of the contract a total of 3 and half years with balance of around {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Prince Parker & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
RUDE VOICEMAIL STATING I NEEDED TO CONTACT THEM IMMEDIATELY. LIMITED INFORMATION FOR DEBT. PRINCE PARKER AND ASSOCIATES EQUAL SCAMMERS. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the inquiries are unauthorized and that I want them removed from my credit report.I contacted XXXX by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.Experian put a Identity Thief on report due to the unauthorized inquiries.

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 2018-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the inquiries are unauthorized and that I want them removed from my credit report.I contacted Equifax by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.XXXX put a Identity Thief on report due to the unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hi, I'm going through a massive hardship right now with my health, and I have been trying to settle my debt owed to Navient. I have raised {$10000.00} by selling items and cashing out my 401K and have offered this to Navient as a settlement payoff and they refuse to accept it as a payoff. It's only {$600.00} off of what I owe. 

My health is not good and the stress is causing me further health issues. I had two co-signers with this loan originally and to date one is dead and the other is XXXX, so I'm it. 

Navient remains very hostile and sets roadblocks in the way of paying off this debt. They keep claiming I have two co-signers that they will go after when I don't have any. Again, one is dead, and the other is XXXX XXXX with no assets. 

I have never been late on a payment before and was always on time. Navient is simply one of the worst predatory companies I have ever dealt with. 

Any assistance the CFPB could provide with resolving this matter will be most helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: FISERV INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
We received an XXXX card as covid 19 stimulus. I called in and got a pin number. However, the card balance is XXXX. Why? I can't get an answer from XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT 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 2020-05-28
Company: EQUIFAX, INC.
State: AL
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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from XX/XX/2003. IRS has garnished taxes to pay balances yet they are still being reported.

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 2019-02-19
Company: EQUIFAX, INC.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX XXXX BANK XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b )  .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 )  Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent account appearing on my credit report. 

1. XXXX XXXX {$2600.00}

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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX  Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX  XXXX XXXX XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently applied for credit and i noticed that this credit card reported a late payment in XX/XX/XXXX. As a 30 day late pay. And in XXXX XXXXas a 30 day late. I do not agree with this at all. I do not recall ever paying late especially over 30 days late. I demand they immediately remove this erroneous late pay from my credit reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Real Time Group, Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Real Time Resolutions is reporting that I owe them for a 2nd mortgage that was released when the property in question went into foreclosure in XXXX. Their communication with my attorney was 'they 're looking into it. ' We have been attempting to get copies of any paperwork they have -- they have been looking into it since of XXXX. I am purchasing a home and have been delaying the purchase based on their erroneous reporting. Please assist in fixing ASAP. I need to provide a home for my kids. My credit is perfect outside of this company. Per my attorney -- it looks as if they've reported this without proof of paperwork. Please assist. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: FL
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 discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: STERLING JEWELERS, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a credit card with XXXX XXXX XXXX in XX/XX/XXXX. I am not sure when they sold it to a collection agency since it's XXXX and they told me XXXX representatives are the same as XXXX. When I called to square up the account they told me '' In XX/XX/XXXX I could pay to remove any negative information on my reports ''. I asked them how much they told me {$210.00}. I paid it and as they said my account became current and I had a perfect payment history on my credit reports. So I refinanced my car loan and got a credit card with XXXX. So in XX/XX/XXXX I had a XXXX  credit score Fico XXXX. XXXX XXXX   reporting 0 missed payments. Then my score drops 130 points in XX/XX/XXXX with negative XXXX XXXX info. Then jumped back up to XXXX   showing again perfect payment history before dropping to XXXX   in XX/XX/XXXX when the collection and failure to pay showed up for the month of XX/XX/XXXX.

First of all the account was paid off in XX/XX/XXXX and in XX/XX/XXXX reported this way, so how I failed to pay in XX/XX/XXXX is not understood.

It now shows paid in settlement for less than the full balance/ charge off collection/ Depending on the time and which report I look at I get changing information and Impossible information, such as a 60 days late the month after a 60 days late.

I wish someone could clean up the mess of a company they are.

I was in good standing with my credit union getting the best pre approvals and app. Now I can't even get a credit card or increase.

I wouldn't have put myself in debt if I knew my credit information could report different inaccurate information. At different times..

So much more to explain how they took advantage of me and said '' good luck in court '' All 's I asked was can we hear the recorded agreement of the pay to remove. Wich I made sure to ask if the conversation was being recorded, so I was told to get a lawyer. Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation