BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, at the outbreak of XXXX, my wife worked at XXXX XXXX XXXX  in XXXX, XXXX. My wife was forced to take a paycut by the school, and while this was a financial hardship for us, we paid our bills and took on more debt. We were made aware of the Veterans Administration homeowner forbearance program, determined that we were eligible for it, and participated in the program. 

The amount under forbearance was assigned by the VA to BSI Financial Services. 

Working with BSI has been a nightmare. 

1. There was no explanation or warning that the amount would be assigned to a different company than our original mortgage broker, 2. BSI Financial just sent us a letter telling us that we owed them several XXXX dollars, with no introduction or context 3. When I expressed my concerns to them about the settlement BSI had with the CFPB and the issues outlined by the XXXX they were dismissive of my concerns, and told me to " not believe everything I heard on the internet. 
4. I am currently getting a HELOC loan, partly to ensure I do not have to deal with them anymore. They have refused to release my payoff statement.

This company is a nightmare, should not be in business, and definitely should not be contracted by the Veterans Administration to handle VA loans. We have suffered enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis Nexis is providing inaccurate information to XXXX  XXXX, and XXXX. Additionally, they are in violation of of 15 USC 1681 a ( 4 ) my consumers right to privacy. I have already spoken with the courthouses regarding my bankruptcy that was filed, and I know what they did not provide Lexis Nexis this information as they stated that they don't report information to anyone.Lexis Nexis illegally obtained my personal information in order to report to the three main bureaus. I demand this bankruptcy be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have not used my Capital One credit card in 2 or 3 years. I had not been receiving statements from them. My credit score dropped significantly. I discovered it is because Capital One accepted a fraudulent charge on my card, never notified me, and since I only discovered the fraud about 3 months after it occurred, Capital One has placed negative information on my credit report. I called Capital One and they removed the charge. They act like I should be happy with that. I'M NOT HAPPY. Would you be happy if your credit score dropped 50 points due to the fact that Capital One accepted a fraudulent charge on your credit card, never notified you, and treated you as if you are XXXX because you wanted them to correct their mistake? I WANT CAPITAL ONE TO REMOVE THE NEGATIVE FALSE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a complaint against Bank of America. I had set up automatic payments on this account, and I had only XXXX large payment of about {$7500.00} from XXXX credit card that was processed in error, and I had called Bank of America to block the payment since XXXX credit card representative told me they will make XXXX attempts for the payment, but bank of America refused to block the payment. I had made sure I had funds in the account sufficient to cover EVERY OTHER payment except the only large payment I had called and reported. To my dismay and shock, Bank of America used this large payment to block all other payments and bills I had set up to pay resulting is an avalanche of retuned payment fees from Utility bills to credit card payments and other loans that I had made funds available for. To make matters even worse, Bank of America sized over {$4000.00} dollars of my fund in the account for these payments and refused to release my fund for a bank to bank transfer I was making to pay my bills from another bank, without even considering the impact this will have on me, and that I will be paying retuned fee charges of {$290.00} and defaulting in payments that may affect my credit worthiness when I have my money hijacked by Bank of America. This is my worst experience ever with any bank. With other banks, when there are multiple withdrawals going above the available fund, other banks allow the smaller payments to go through first and the larger payments later, but Bank of America did the very opposite and has caused me so much pain and frustration. This no doubt is the dumbest bank in the whole of America, what a shame less banking system.

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 2021-07-08
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021, I used my relicard issued by USBank to pay my rent, cell phone and internet. Then tried to purchase something over the phone and the merchant said my card was denied had her run it again, still denied, which is embarrassing to begin with, check my account on app and everything looks fine, nothing wrong nor stating anything out of the ordinary. So went to ATM to get money to put on another card and to call back merchant so I can pay them what I had ordered, ATM denied me from MY funds, call the 24 number wait on hold for 37min. Girl that answered tells me I have to wait 24hrs until I can get money or charge anything, I complain and she says well if you go to a USBank branch and go have a teller get your funds it will work, drove 19 miles and waited in line another 20 min then had to give teller all my information so I could be entered into there computer system for that branch, try to get money and DENIED again, teller says go out and try the USBank ATM, denied ... .I 've been upset about this all night and sick to my stomach about it, wake up this morning and try charging something, denied. Call the customer service number that states they are there fir you 24/7 get to hold for next representative and recording comes on -all customer service representatives are currently busy please call back later-then click, hung up on now! This institution has refused me my money, cost me money and time and took time off my life with all the stress and time spent just trying to get something that is mine. I can not believe that thus is not a crime somehow ... .I have seen people go to jail for doing alot less to another human being. I doubt anything will be done and more then likely I will have regained my account from these criminals by the time you read this but this is the things that these banks should not have the right to be able to do. But they will because nobody ever does anything to them, I will not get any gas money nor reimbursed for my time or stress or humility I went through, nope they got what they wanted to do to the little consumer I am. Maybe one day we will win and this ignorance and power playing will stop but I'm not holing my breath. USBank I believe owes me money and a apology ... .good luck I say to myself, like I said it won't happen. I'm just wasting my time like I did half the day yesterday. Hopefully you have a great day and you don't have to ever experience this. Its just like someone just stole or better yet robbed you and you can't even go to the police about it. Its just so wrong.

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 2020-09-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. On XX/XX/2020, I submitted a complaint with the CFPB but you stated that it wasn't me. This is unfair! I've been working so hard to keep my head above water. I have now submitted two forms of identity for verification. Please take my complaint seriously. It's almost been three months and I still haven't received a response. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Genesis FS Card Services, Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My soon to be ex-wife took out several credit cards and loans out in my name before she left me a couple of months ago. She currenty has me in about {$30000.00} in debt and i have debt collectors trying to collect from me, and she has my credit score really low.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a letter from XXXX XXXX XXXX. The letter indicated that I owe {$6400.00} to XXXX XXXX XXXX, which they are willing to settle it for half the amount. When I called them they wanted my social security number and date of birth to reveal any information to me. I didnt give any of those information, then i contacted XXXX  XXXX which they informed me that I do not owe them any money. My credit is excellent and do not owe any credit company any past due. Please look into this company. I am afraid they hurt 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 2020-10-20
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Trying to activate a new card but when I call the number on the card and puts me on hold and ask to wait for the next worker. I have call on XX/XX/20 from XXXX to XXXX, XX/XX/20 at XXXX to XXXX and called on XX/XX/20 at XXXX to XXXX and I have not gon na a single person. There is no other way to activate the card and so im stuck at what to do cause now my money won't have anywhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I requested a rewrite to lower my monthly payment due to hardship. Ally sent documents for me to sign and charged a rewrite fee of {$220.00} which is in money order. I sent all signed documents with the money order enclosed together with money order through XXXX. It showed in my Ally account that the money order of {$220.00} was received by Ally on XX/XX/2018. The due date is XX/XX/2018. But Today, XX/XX/2018, I was told by Ally that my documents was not received in a timely manner. That the rewrite is not valid. But it shows on my Ally App that Ally receive the rewrite fee of {$220.00} in ( money order ). I was told by this company that all transaction was not anymore valid. So I now I have past due of {$1100.00}. I was suppose to start monthly payment of {$310.00} on XX/XX/2018 of Ally acknowledge the agreement & documents signed. I sent documents & money order to Attn : Workout Team Rewrites, Ally Financial at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Ally Workout Team Phone number XXXX. 
Please help. 
Please help 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 2018-04-12
Company: Experian Information Solutions Inc.
State: MD
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 had a repossession with XXXX XXXX that was settled in full with a collection agency by the name of XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX  stated they see the payment for XXXX but it wasnt a settlement. Ive contacted XXXX and they stated XXXX XXXX  gave them permission to settle the account. I settled the account on XX/XX/2018 for XXXX. Experian will not marked the account as settled and closed even though Ive sent a settle in full letter to them. Attached is a letter from XXXX XXXX XXXX stating the account was settled. Thanks 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 2018-11-15
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:
I never authorized my credit to be run and it shows up on my Experian credit report as a hard inquiry which ultimately lowers my score and this account is on my credit file in error.

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 2018-11-15
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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: Old information reappears or never goes away

Complaint:
I wrote a letter on XXXX XX/XX/XXXX to TransUnion Consumer Solutions,  XXXX  XXXX XXXX, XXXX, and the XXXX  Dispute Department. The disputed amount is {$11000.00}. Please send a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my balance history, send my payoff disclosures, send my complete payment history, and send my interest rate disclosures. Delete this account immediately if it is not 100 % accurate. 

I wrote a letter on XXXX XX/XX/XXXX to TransUnion Consumer Solutions, XXXX  XXXX XXXX, XXXX, and the XXXX   Dispute Department. The date last active for TransUnion is XXXX XX/XX/XXXX, XXXX is XXXX XX/XX/XXXX, and XXXX  shows XXXX XX/XX/XXXX. This account payment history shows that it is in a charge-off status and paid as agreed status at the same time starting in XX/XX/XXXX to current, this is a conflict. This account has been illegally re-age. This account has been re-aged. Delete this account immediately.

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 2018-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been paying my mortgage payments on time and sending in extra so that I can pay my mortgage down faster. But the balance of my mortgage is increasing. It was down to {$39000.00} but now it is showing that I am at {$42000.00}. 

Also, I have been XXXX since XX/XX/2018. My rate has been lowered since I am on orders but I received a letter stating that they are going to increase my rate again, But I am still on 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 2020-09-11
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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX  - partial account number XXXX. ( Please see pages attached from my credit report. ) I had GAP insurance and the vehicle was deemed a total loss and the remaining balance due was paid in full from an extended warranty I had on the vehicle. This account needs to report a {$0.00} balance. There is no outstanding balance and therefore nothing to send to collections and/or to chargeoff. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Onemain is reporting a collections / charge-off to all three major credit bureau 's ( XXXX, XXXX, XXXX ) under Account # XXXX stating I owe a balance of {$5500.00} for a installment loan opened on XX/XX/XXXX 2013 and Onemain Financial XXXX XXXX XXXX XXXX , MD XXXX is reporting the same installment loan under Account # XXXX opened XX/XX/XXXX2013 stating I owe a different amount of {$6100.00} causing two highly damaging negative items on my credit score. This is double jeopardy, collection for the same debt. 

I have contacted Onemain and filed disputes with all three major credit bureaus and can not get this removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Financial has done everything wrong since I took out this loan in XX/XX/2022 the contract interest rate was increased they bagged gap when I put over 1/3 down they didnt change the payment date as promised so I incurred late fees and credit report lates they didnt include the registration fees for over XXXX dollars they added a additional warranty and when the fees were challenged they company refunded them to the loan but no credit to me, I have called emailed and sent certified letters no one calls back I have now hundreds of hours trying to solve issue and no one answered the phone I think they may be out of business and overseas call center is all they have left please help l the last correspondence was over a month ago saying that they received my certified letter and will look into it but still no response and I need a physical address to serve my small claims action and they refuse to provide me one

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 2021-07-08
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2018-07-19
Company: Experian Information Solutions 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:
I would like to have a bankruptcy remove off my credit. I have contact the federal courts about the bankruptcy which they sent me a letter stating that they do not provide information with reporting agency and the reporting agency has went through a third party XXXX XXXX to obtain information which is incorrect.

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