BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: Capital Accounts, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
30 days ago I submitted a dispute with XXXX concerning capital accounts llc. XXXX  forwarded my entire dispute to Capital accounts llc. I explained that they are attempting to collect a debt that was the result of identity theft. I also attached a police report confirming my stolen identity. I also explained that at the time of the incident I was living in California, not in the XXXX XXXX united states, and to travel there for medical services is lunacy. Still Capital accounts llc verified the account but gave no information as to why the account was verified as accurate. When I contacted capital accounts llc and explained that this account was fraudulent, they did not care and asked me to pay for the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A late fee of {$39.00} was assessed to my XX/XX/XXXX mortgage statement for account XXXX on XX/XX/XXXX. My mortgage was not late on this day. 

Seterus received 3 mortgage payments from me via Priority express mail where I mailed 3 separate checks to cover 3 separate mortgages of different addresses in XX/XX/XXXX. 

Seterus chose to credit the payments for the other 2 mortgages on XX/XX/XXXX, but held off on crediting account XXXX until XX/XX/XXXX. 

I have a 16 day grace period under account XXXX before a late fee is assessed. However, a late fee was assessed to this account on XX/XX/XXXX, when Seterus had in fact received the payment well before this date. 

Even if Seterus had received the payment for account XXXX on XX/XX/XXXX, they should NOT have assessed a late fee to this account. 

Seterus will not remove the fee from my account, and thus, I am asking your office to intervene on my behalf. 

My mortgage statement for XX/XX/XXXXshows a late fee assessed to account XXXX on XX/XX/XXXX. 

Also, can you ask Seterus to STOP sending me out double mortgage payment statements for account XXXX, as this seems like intimidation to make me pay 2 months of mortgages ahead of time. I have the right to pay my mortgage on the dates due and should be assessed a late fee if the payment is late, but Seterus does NOT have the right to force me to pay mortgage payments ahead of time, nor should they assess late fees to me on dates when fees should not be assessed. 

Thank you in advance for your assistance.

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 2018-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Bank of Ameirca I contacted Bank of America to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted Bank of America, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation date.

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 2020-11-18
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX says I didn't turn in their device and wrongfully charged me {$170.00} on XX/XX/2020 when I provided proof of location.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020 - I paid XXXX XXXX of XXXX XXXX XXXX  {$900.00} through XXXX, by way of Bank of America for parts he claimed I needed for my home appliances. He was supposed to complete the repairs on XX/XX/2020 but cancelled the morning of. 

XX/XX/2020 - I received a 2nd opinion from another appliance repairman who informed me that the parts and services XXXX XXXX claimed I needed were false and unnecessary. He used deception to get me to pay him {$900.00} for services that were not needed. 

XX/XX/2020 - I called my bank, Bank of America, to report a XXXX transaction of {$900.00}. I was told by the Bank of America agent that it would be investigated and if it was determined to be fraud, then they would attempt to withdraw my funds from his account. 

XX/XX/2020 - I called Bank of America back to request an update for my claim. I was told by this agent that the first agent provided me with false information when she told me that Bank of America would make an attempt to retrieve my funds from the receivers bank account. This agent informed me that my claim was considered a scam rather than fraud and they could not retrieve my money. 

Bank of America did not make it clear that there is a difference between fraud and scams and XXXX offers no protections against scams. XXXX states on their website that consumers " may not be able to get your money back '' if the victim of a scam but that statement is not definitive. The first Bank of America agent I spoke to provided me with false information stating that an attempt to withdraw my money from the receivers account would be made. I don't understand how Bank of America could allow these things to happen to their customers and why there are no protections in place.

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 2018-05-14
Company: NCC Business Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to contact NCC Buisness Services about a debt that is on my credit report. I requested a financial transcript in XX/XX/2016 via email through a representative of NCC. I was given an email address below as a contact. 
( XXXX ) I emailed this address for the transaction transcript to review charges, and I received a message that the email address was not valid. I have attempted for two years to have this debt removed. This debt is almost 5000 and it has caused a great deal of hardship, because I have not been able to get proper housing, due to this outstanding balance. I explained that I went to court and the judgement amount want around 1500.00. I have sent a copy of the judgement to the bureau, and I have disputed the debt. This is still unresolved and still preventing me from acquiring housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
For account XXXX/XXXX XXXX that is reporting on my credit report I have sent multiple letters to Transunion  , XXXX  , and XXXX  to investigate the inaccurate reporting and they send me letters back stating that the account is reporting 100 % accurately and that it has been verified ... .how is this even possible when there are still multiple violations on the reporting of this account. for one they never even added a comment stating that this account is under dispute, as stated by the law ... .... 2nd look at the 2 year payment history all 3 bureaus are all over the place in the reporting and different. they are all reporting a different date of last active and date of last payment. the credit limits are reported different, the high credit are different, the comments are all different. How can they even pretend that they investigated this account when all of these violations are are still reporting they never investigated this account is the answer

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 2020-07-01
Company: EQUIFAX, INC.
State: IN
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:
Equifax ; XXXX  and XXXX  should not reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers License as well as a copy of my utility bill for personal identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my 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 2019-09-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of the following inquiry XXXX XXXX XXXX XXXX. Please investigate to insure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have two auto loans with Ally, since XX/XX/XXXX. One vehicle was stolen in XX/XX/XXXX. When it was found it had major damages.It yook Ally so long to corporate with the insurance co. I called for a payoff when I was told the vechicle was totaled, vehicle info was deleted from online also. The payoff that they gave me was less that what was paid to them by the insurance. I recieved a statement of a balance of {$2500.00} but when I called to find out why I still have a balance was told it is in review with a supervisor. I have called them at least ten times, was told it is in review eveytime I call. They call about the other loan payment at least 7-12 times a day even on Sundays this is so disgusting when I explained to them that I make online payments they want you to set up something by forcing you and they threaten you and say you do not want to corporate. I feel like this is harassment. They call from all kinds of numbers that doesn't show its coming from Ally. I can't take this anymore .But when I asked about the totaled vehicle they say you have to call the total loss department. I feel I have been mistreated and disrespected.

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 2020-11-18
Company: EQUIFAX, INC.
State: CT
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:
XXXX is reporting inaccurate information on my credit report. Its showing an account is late when the account shouldnt be late and should be paid off and closed. Theyve lowered my credit scores because of this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

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 2018-05-14
Company: BANCO POPULAR DE PUERTO RICO
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for XXXX XXXX XXXX XXXX XXXX XXXX.I was approved with the credit limit of XXXX $ .After several days I received email from Popular Credit Service Fraud Risk Control Department XXXX XXXX XXXX to call him.From that day I was trying to call that person and he never responded.He ignored me, my calls and my emails.Anyway I spoke to other reps, and they told me that they need from me the copy of my driver license and some utility bill to verify my address.I emailed everything the same day, which was aXX/XX/XXXX.After that I`ve tried to call several times.Everytime I was getting terrible customer service, no one was telling me anything, like I`m someone who`s doing something illegal.I don`t know if it was because of my accent or my last name, but I really felt discriminated.Anyway they told me that their investigation takes 3 weeks and it will end XX/XX/XXXX, and instruct me to call XX/XX/XXXX.I called XX/XX/XXXX and they again didn`t tell me anything.They told me I will receive a letter.In the mean time I received a bill from that credit card, and my due date was very close.Since I didn`t receive anything from them, and my account was locked, I called them again, and one representative told me that my account is closed.I was very frustrated, from the way every person talked to me. 
I don`t know in reality what`s going on, but everything is 100 legit and legal.I`m the owner of this card.I`ve send them everything what they asked.I was approved for XXXX $ because I have excellent credit history over 800 fico, great income and there is no reason to treat me like this and eventually close my account.I felt very disrespected and discriminated, by the way everyone talked to me and treated 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 2020-02-03
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX XXXX XXXX I repeatedly disputed this account. The account was open XX/XX/XXXX. It recently closed XX/XX/XXXX but still have a remaining balance and also shows on my credit report which is Hindering me from moving forward. I would like this account to be removed as its out of statue of limitations. Remained negative balance is XXXX. They got their vehicle back and still wants me to pay. I have sent dispute laters trying to resolve for years

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 2020-07-02
Company: GCFS, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I took out a payday loan with XXXX XXXX back in XXXX. I defaulted on the loan because the payments were high and I could no longer afford to pay it. The interest rate was astronomical. I believe it was 126 %, but I'm not too sure, as that was almost 20 years ago now. 

The debt was then purchased by GCFS, Inc. GCFS , Inc has obtained judgment against me and now they say I owe {$7500.00}, even though the loan I took out was for {$2500.00}. They constantly call me, and my relatives, asking where I'm located so that they can serve me with court documents. I was afraid, so I called them back and made a payment plan of $ XXXX/month as that's all I could afford. I began doing some research, and the state of California, where I live, used XXXX XXXX  due to it's predatory loan practices and high interest rates. XXXX XXXX was ordered to pay fines and also to repay some if it's consumers who had taken out the predatory loans. I believe I fall in this category, this debt is almost 20 years old and it's not fair that I have to pay back almost triple the amount of the loan. 

I tried to settle with them for {$2500.00}, the original loan amount, but GCFS, Inc. Will not settle with me. They'd rather garnish my wages during a time that Covid-19 is happening. They are harassing me, and won't allow me to settle for a lesser amount. They are also threatening to garnish my wages in XXXX for a XXXX debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
!!!! THIS IS NOT A DUPLICATE COMPLAINT!!!! 
I have two complaints about this bank 1- This bank processed a payment {$990.00} un XX/XX/XXXX from my bank account without my authorization After signing an Covid 19 Hardship agreement almost 2 weeks before, I agreed to schedule automatic payments of XXXX every month for 12 months. It doesnt make any sense that I sign an Hardship agreement to reduce my payments to {$110.00} dollars for 12 months and then I authorize them to take from my checking account XXXX dollars. 

2- The hardship contract say that after first 3 consecutive payments of XXXX dollars they will delete all my late payments fees. But I called them they said that is not like that, they will removed late payments fees only for 3 months. 


about XX/XX/2018 We open an account with XXXX XXXX thru Comenity Bank, The credit limit was XXXX, We used the full XXXX dollars, at that sign up with a promotion if we paid the full amount by one year later they will not put interest charges on the loan. After the first year we couldn't pay the total XXXX dollars. So after the first year the started applying I think 24 % of Interest Up today, after 2 years, I had paid about XXXX dollars, so the balance will be XXXX - XXXX equal XXXX plus interest and late charges of course. This month I find out that the balance on this Account is XXXX, making some easy numbers on this process, they are charging me extra XXXX dollars, I think this amount its completely exaggerated after 2.5 years after opening the credit. Today I called them to ask them to reduce the total amount, because due to the coronavirus me and my wife are not working, the denied, they put me on a special plan, that reduce my montly payment to XXXX and charging for 12 months only XXXX per cent. The promised me to remove the late charges, after the call there is a recording saying that after 3 consecutive payments the late charges will be remove. but after I called them again the denied that, that will be removed only 3 late payments. Any way, they are lying, because they are saying only 3 months on the recording that hear after the call. anyway, I dont think that adding adding XXXX to my debt its 100 % exaggerated, I think they are not going by the law. Please Help me with these people, Please please Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX I am contacting you regarding fraudulent inquiries on my experian credit report I have already contacted experian but they have done nothing to resolve the issue. There are two fraudulent credit inquiries on my experian credit report and I would like them removed because they are fraud and do not belong to me. I am a victim of of identity theft and I am including my police report to support my claim. Please make experian delete these fraudulent credit inquiries because they are fraud and do not belong to me and I would like them remove from my credit report at once. These are the two inquiries XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online

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