BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-21
Company: Global Portfolio Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. THE BALANCE THEY SHOW IS {$4500.00}. And they will not remove this account from my profile. I have written them asking them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-03
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Yes I contacted on financial about getting car deferred payments. The did grant me  deferred payments. The only problem is. There charging me late penalty fees. I'm going thru hardship due too corona virus. And I'm hoping too get all late fees or penalties waived. I'm also on XXXX too. I don't wana have too file chapter XXXX bankruptcy. So hopefully I can work with them. I'm XXXX years old going thru hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Ability Recovery Services, LLC
State: MD
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 a collection reporting to my credit report that is not mine and fraudulent. This company has made may reports to my report please see the time line below. 

XXXX I was alerted by Ability Recover Services LLC that I have a debt dated XXXX 
XXXX Ability Recover Services LLC reported to my credit reports as derogatory ( they did not give time to validate ) XXXX I sent a letter ask for validation of the debt, as it is not mine. I still have not received a response. 
XXXX I sent a letter to the Credit Bureaus asking them to validate the debt. No response. 
XXXX Ability Recover Services LLC reported to all of the credit bureaus as a major derogatory ( I still have not received verification of it being my debt ) XXXX I sent a 2nd letter to the Credit Bureaus asking them to validate the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: AMERICAN HONDA FINANCE CORP
State: IL
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:
I had a leased vehicle Honda provided a payoff for. I paid the amount to purchase a new car. I received harassing calls and letters threatening repossession of my XXXX XXXX which had been turned in to the dealer months prior. Credit report shows amount owed and have been sent to various collections. When disputed previously Honda denied and provided bogus payment history saying amount owed and repossession never sought. The vehicle I did purchase XX/XX/XXXX claim never addressed. That vehicle was repossessed after payment was never applied that had been sent in. Also car was given to repo man at XXXX when car was in garage and he had gone in to verify. I did not know at the time that was not allowed. He threatened I would need to be in court the next morning if I did not give him the car and it would cost additional thousands in court fees. Also said a key fee of {$500.00} would also be charged. I was getting paid in the next 2 days and was going to make my payments I did not know were over 30 days since a payment had never been properly applied. I was told I could get my car back once I made my payment and called Honda. This has caused extreme hardship and affected my ability to find a job since credit checks are a part. Also has created a hardship in securing housing for the same reason.Had I not been lied to I would have retained my vehicle my good standing credit wise and not had to go through undue hardships otherwise. Honda has profited by unduly doing this and continues to seek payments through collection. 

I have copy of payoff, and payment made. Copy of letters threatening repossession which they denied for XX/XX/XXXX. I also have a copy of check sent in which was not applied that resulted in XX/XX/XXXX being late. Also proof of XX/XX/XXXX car picked up from dealer when transferred to another lot in XX/XX/XXXX despite being threatened in XX/XX/XXXX with repossession and charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dates spreadsheet ( more details ) is included in attached documents in an XXXX document. 
Loan amount {$25000.00} | XXXX Loan taken out XX/XX/XXXX Money withdrawn/spent XX/XX/XXXX XX/XX/XXXX - Message Center XXXX contacted Mortgage Dept. denying knowledge of HELOC, and is aware of her mental state ( This is after/when she was FINALLY getting the medicine she needed to help her XXXX and XXXX XXXX ) XX/XX/XXXX passed away XX/XX/XXXX XX/XX/XXXX XXXX  problems begain XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - XXXX became XXXX XXXX and XXXX. Admitted to hospital. XXXX XXXX. XXXX County made me the home owner beginning this time. I was the Remainder-man and beneficiary of the home based on a Enhanced Life Estate Deed submitted to OCPA in XX/XX/XXXX, Notarized by a friend of the family within our neighborhood ( name excluded per instructions of your site ). 
**** I have also asked for a change of address, I have faxed with successful confirmation, and certified letter sent requesting this change, and Bank of America has neglected to make this change. I followed their instructions to the letter. 
**** I have requested and filed a complaint with Bank of America on numerous occasions for the Fraud Dept. to contact me and per their own policy this should happen within 48-72 hours. Nothing has ever happened. I have 0 text messages, 0 emails, 0 phone calls from this dept.. I have a letter about a credit file dispute which is NOT what I was requesting. 
**** I have multiple recorded phone calls from Bank of America about this matter with appalled employees from within shocked no one has reached out regarding this matter. 
**** Now they are trying to collect from me for this fraudulent HELOC. 
**** I have never received a single bill or statement nor have I been given any notice of foreclosure by Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: EQUIFAX, INC.
State: FL
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:
XXXX Equifax and XXXX are reporting 2 hard inquires which I need validation for or please remove : Inquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX Lease Only Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2018 ; my XXXX XXXX was deemed a total loss after it was involved in my house fire. BBVA Compass bank took almost two months to send the required documents to my insurance company in order for my insurance company to pay my loan off. During this time, BBVA Compass Bank reported missed payments on my auto loan to credit bureaus. The first time my insurance company contacted them about the loss of my vehicle, they did not report it as a total loss. It wasn't reported as a total loss until almost a month after the fire when I contacted the company myself. On XXXX18, BBVA Compass was contacted by my insurance company ( XXXX XXXX XXXX ) at which time they ensured my insurance agent that they would email the title to my charger and the certificate of guarantee. On XXXX18, my insurance agent called BBVA again because they had sent the title and the letter of guarantee. However, the letter of guarantee did not have the payoff amount listed on it, which was supposed to be filled out by BBVA Compass. BBVA Compass ensured my agent that they would send the corrected letter of guarantee by the end of the day. On XXXX-18, my insurance agent contacted BBVA again because they had still not sent the the letter of guarantee with the payoff listed. On XXXX-18, BBVA sent my insurance agent another copy of the title. At this time, I called BBVA Compass Bank myself and they assured me that they would send the corrected letter of guarantee by the end of the day. On XXXX XXXX, my insurance agent was finally able to issue a check for my totaled vehicle. During the time it took BBVA Compass to send my insurance company the correct information, they reported missed payments on my account to credit bureaus. When BBVA Compass received the check from my insurance, they backdated it to XXXX ( the original month of loss ). However, they have not taken the " missed payments '' off of my credit report. When I called to inquire about this, I was transferred four different times and then told I had to email the total loss department and wait on a phone call from them. This company has put me through the ringer and I can't even get in touch with a person to dispute these charges. My insurance company would've had the car paid off within a week if BBVA Compass would have sent all the information to them in a timely manner. Now my credit score has dropped because of this company and their customer service has been of no help throughout this disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2018-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a Bank of America Credit Card, when i came here to the US 2013 for an Internship. After 3 months I went back to my home country XXXX and that address no longer mine and i never received any updated about the credit card. It appeared there was small amount left to be paid on the credit card, although there was more than 5000 in the checking account i could of easily paid but i was not aware that i had payment. It looks like 30, 60 90 days passed on that credit card and after finally learned about it when i visited back to the US i paid it completely. Now i moved to the US for a full time Job. And I'm having problems renting a home because they see this remark on my account. I apologies for this trouble, but as you can see in the past 3 years i never missed a payment, this was an honest mistake as i never knew about the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Client Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a letter from Client Services XX/XX/XXXX concerning collection of a XXXX XXXX XXXX account. I responded with a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting the ensuing information about the alleged debt : name and address of original creditor, copy of the original signed contract , delegation of authority, and account / statement of payments including interest, and fees. To date I have not received this information, but I am receiving repeated call from this agency at home and work. My job does not permit me to take these calls at work and as such their calls are jeopardizing my employment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Early Warning Services, 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: Investigation took more than 30 days

Complaint:
In the Escalating Concerns of Continuing Identity Theft, there are Pinpoint Services Errors of XXXX XXXX XXXX Corporate Offices, And XXXX XXXX. As ' of Most Recent, I am still seeing XXXX XXXX XXXX as ' a Report for more than ( 4 ) years on Specialty Credit Reporting for a Simple Checking Account. What ' had happened, Is. XXXX XXXX and I ' agreed to Close a Checking, Savings and a Safety Deposit Box in XX/XX/XXXX in XXXX, Arizona. In XX/XX/XXXX, while spending my Summer in XXXX XXXX, Texas_ I ' found out that ' XXXX XXXX in Arizona did not. close the Safety Deposit Box after, Papers were Signed in XX/XX/XXXX in XXXX, Arizona. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I ' had asked XXXX XXXX for numerous Opt-Outs from their Database Marketing, And asked Corporate for the Removal of Information from their Database, And I ' was Refused. I ' also, Contacted the Branch in Florida a number of times in ( 4 ) years that is, where ' I ' " Originally '' opened my Checking Account, And informed them that ' I was Continually being Solicated in Made Fraud, Theft and Scamming by XXXX XXXX XXXX, And made Additional Reports to XXXX XXXX XXXX Fraud Prevention with No Success in Continuing Pinpoint Service Errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: SYNCHRONY FINANCIAL
State: CO
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 noticed a charge of 13000 plus and i already tried to reach out to cfpb and to XXXX XXXX with synchony bank. Called her several times. ( without a call back ) My credit went plummeting! CFPB what a joke! You closed case after respondent said good

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 2019-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
a. I have sent you request dated XX/XX/2018, XX/XX/2018, and XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from defendant in consideration of your delivery to defendant of the original instrument of indebtedness in its original form. 
b. I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter. 
c. I have sent you my request dated XX/XX/2018 and XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from defendant in consideration of your delivery to defendant of the original instrument of indebtedness in its original form. 
d. I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter.

e. It is apparent that you are acting on the presumption that some relationship that you may have with XXXX XXXX XXXX, is in some way related to defendant. Defendant is not a party to this implied relationship you have with XXXX XXXX XXXX, either directly, indirectly or by means of any tacit consent. Accordingly, Defendant do not understand how to respond to you inasmuch as defendant is unaware of any contractual relationship between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter dated XX/XX/2019 from Rausch Sturm concerning XXXX XXXX  account under their file number XXXX. Requested the name and address of original creditor, a copy of the original signed contract, delegation of authority, and complete account / statements of payments, interest, and fees associated with this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I confirm that I have received written communication from you dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX wherein you make reference to the above captioned matters. 

It is apparent that either : 1. You are acting on the presumption that some relationship that you may have with XXXX XXXX, XXXX and XXXX, XXXX, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship you have with XXXX XXXX, XXXX  and XXXX, XXXX, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us ; or 2. You have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to XXXX XXXX, XXXX  and XXXX, XXXX, which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and XXXX XXXX, XXXX and XXXX  , XXXX  .

If indeed you have entered into such a contractual relationship with XXXX XXXX, XXXX  and XXXX, XXXX, as set forth in clause ii ) above, then I hereby confirm that I accept your offer to reduce the amount of the alleged obligation and I confirm that I would like to make arrangements for settlement of the above referenced matter immediately upon you providing me with your written and legally binding assurance that you will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form that you must now be holding pursuant to the aforesaid contractual arrangement between you and XXXX XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Covid-19. As soon as the pandemic started in late 2019, I was pregnant and was unable to work. I have a total of 2 missed payments from XXXX and XXXX of 2019. I have sent multiple goodwill letters asking for forgiveness as I am a victim who suffered from this pandemic. The company nor the credit bureaus have taken any action. I have made consistent on-time payments before and after the late payments occurred. I would like them to be removed because I am a victim of Covid-19.

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