BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I paid off my lease agreement in XXXX of 2020 and returned my vehicle at the end of the month with no damage or excess mileage. There was a disposition fee as we did not purchase another vehicle. We never received a bill. On XX/XX/2020, through my credit monitoring application I noticed an account update of 30 days past due. In talking with the customer representative on XX/XX/2020, she showed on the current account the bill was sent, however, on our other account our address was invalid. The second lease account had the same address listed as invalid with no billing statements being sent. This transpired during the global pandemic and the account supervisor is resending me the bill and corrected both accounts, however, they are not willing to take the credit reporting off of my account. Obviously, there is an error in their system with my mailing address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
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: Account status incorrect

Complaint:
I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my XXXX   report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to XXXX   and Equifax ; thus harming my FICO score and my individual credit rating at XXXX and Equifax at 60 days since I paid off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To whom it may concern, I am being hit with ( 2 ) hard inquiry on on XX/XX/2018 and XX/XX/2018 from capital one which was not made be me and was 100 % fraud. This was not authorized by me. I called capital one regarding this fraud and they put on with there higher representatives. 

I was told this was gon na be removed from my file and now months later I still see it on file. Again this was not made by me and I can answer any security questions about myself to prove that I am myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank is having issues and not depositing our bank account. Hundreds of people are having the same issues. Accts are going into the negative and were paying the charges for it. Not fair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Brennan & Clark, Ltd., LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We explained to the debt collector that this matter has already been resolved with XXXX XXXX ( vendor ), and a copy of the check that was paid has been provided to the insurance company. No balance is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Almost 10 years ago, I was having financial problems and I voluntarily relinquished my XXXX XXXX XXXX back to the finance company. Since that time I get repeated calls from a company called portfolio recovery to whom the debt was sold. I block the numbers but the calls come from different parts of the country. In the last few years my credit score has improved tremendously. Please help me to eliminate these annoying calls. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed 2 collection accounts on my credit report by State Collections for {$200.00} and another one for about {$1200.00}. When I noticed one of them, and before the other one appeared, I attempted to resolve the  matter by setting up a payment arrangement. I provided my banking information to this agency but there were no debits from my account I did everything I could possibly do to prevent the listing from hitting my credit report but this agency failed to start the payment arrangement prior to listing. I want these debts off of my credit report because I made every attempt to pay prior to listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Navient Solutions, LLC.
State: WI
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:
I have a private student loan account with Navient. I have attempted to call on several occasions regarding my repayment. I had an issue a few years ago discharging my co signer, as we were getting a divorce, so I used my settlement to pay off one of the loans, since I was misinformed that I couldnt take him off as a cosigner. However I had another loan with them. I tried naking attempts to refinance since the onterest was so high and I went back to school and they kept encouraging forbearance and defferments. I have owed the same balance it feels like for years. XXXX. I used to make XXXX payements biweekly to every week depending on my funds. Instead of applying this to principle ... it went towards the next months bill and so on. I will be paying this loan for the rest of my life at this rate. I asked for help, they recommend forbearance. Ive tried to consolidate with my other loans but since it is a private loan I can not. I made an ontime pay.ent last month for XXXX as that was my monthly payment however this month XXXX is due. It seems that every month a different balance is due. I dont know what to do and I need help. I am drowning in student loan debt. And this debt is going no where. No matter what I do. The interest rate is horrible, 11.5 % which is why i tried making payments more frequently. I geel taken advantage of. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The companies response is that I hired a credit repair company. I sent in the FTC reports and XXXX  data breach paper work myself. Letters went out because I sent them on my own I did my research as stated in the XXXX  data breach paper works and I am very aware that this is a stall tactic that is used to slow down the process of my investigation. Please remove these inaccurate items from my credit report. The items are all FCRA violations and they go against my consumer rights. My information was breached in the XXXX  data breach and I stated that as well. I am trying to buy a home to keep custody of my children and these items that are reporting unauthorized and inaccurate are holding me back and is causing a great deal of stress. Please investigate thoroughly and update this incorrect information.

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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have never missed payments with XXXX  XXXX  XXXX  YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI

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 2021-05-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently had a issue which was resolved and everything was good for 3 months now it looks like it is going to happen again with citizens one mortgage where they charge me my taxes triple in one year they just charged a tax disbursement again ( 2 ) already this year dont know why or the reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I filed a complaint on XX/XX/2020 to remove all the inaccurate addresses and telephone numbers and hard inquires from companies that I had never done business with it's been 30 days and they still have yet to remove them. My name is mispelled 12 times on the report that XXXX  sent recently this is affecting me from buying a house. I have provided the addresses in the document section and the hard inquires from unknown and inaccurate information. 
The following companies I have never done business with 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

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 2017-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One absolutely refuses to help with my two accounts that are past due! I have several cards that are past due, and the companies have let me make minimum payments and took away ALL INTEREST FEES!! CAPITAL ONE REFUSES TO HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
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: Old information reappears or never goes away

Complaint:
I do not recall ever opening these accounts. My military service began in XXXX, so I was not attending college : XXXX XXXX XXXX opened on XX/XX/XXXX, last active on XX/XX/XXXX. {$45000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX, {$23000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX {$22000.00} These accounts are old, so I would like to have them removed from my credit report : XXXX  XXXX XXXX  : Opened in XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX  XXXX : Opened on XX/XX/XXXX, last active XX/XX/XXXX XXXX  : Opened on XX/XX/XXXX, last active XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: ENCORE CAPITAL GROUP INC.
State: KY
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:
XXXX XXXX filed a lawsuit for a credit card claim which I did not make. Case # XXXX in XXXX County District Court in  XXXX, Ky. Waited for over a year for it to go to court. Midland 's lawyer showed up before my case and did not have any complaint for me and judge dismissed the case for lack of prosecution dated XXXX. My lawyer wrote to the three credit reporting agencies, XXXX and XXXX removed the bad claim but XXXX refused to remove the false charge. This has been going since XX/XX/XXXX and I have filed complaints to them every month up to XX/XX/XXXX. Supporting documents are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off a Hyundai over 15 months ago, and I have been unable to get Hyundai Finance to release an electronic lien since then, so I can not get the title. I have called Hyundai Finance 9 times, been to the XXXX 4 times ( who have been great, by the way ), and even went to a Hyundai dealership, but still no title. I have received two affadavits from Hyundai Finance showing the loan is paid off in full, but they have been unable to clear the electronic lean after numerous calls.

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 2020-10-26
Company: National Credit Adjusters, 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 no knowledge of this debt. I have not received any notification of debt collection. I was not given an opportunity to dispute or receive validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Identity fraud caused a lot of damage to my credit report. It occurred about 2 years ago. After contacting the FTC and credit bureaus I had those items removed. Currently I keep a monitoring on my credit report to protect from additional accounts misuse of my personal information. But as of late I have noticed quite few inquiries appearing on my credit. These items are not now or have ever been authorized by me. I would like these items investigated and removed from my reports.

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 2020-10-26
Company: EQUIFAX, 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 have now ask these companys to remove the accounts now 7 times they have not provided any proof that these accounts belong to me and i have let them know that my information was stolen and use to open accounts without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
on XX/XX/2020, I deposited a check into my checking account, due to a miscoding error made by my bank none of the checks in my checking account cleared and were returned for insufficient funds {$41.00}. That was not the case, I had more than enough money to pay my bills. I have been a Macy 's credit card holder in good standing for 42 years with no problems with an excellent credit history. 
Due to the returned check XXXX XXXX is being beyond unreasonable and has put a hold on my credit card and no orders will process. This is unbelievable and unfair business processes.

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 2020-10-26
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 have now ask these companys to remove the accounts now 7 times they have not provided any proof that these accounts belong to me and i have let them know that my information was stolen and use to open accounts without my consent.

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 2020-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have a fraudulent auto loan reporting on my credit that I did not apply for nor give anyone else permission to do so. I have never conducted business with this particular company under no circumstances. Someone apparently has gotten a hold to my personal information and took it upon themselves to conduct frivolous activities. I have reason to believe that I am a victim of identity theft based on the evidence I have gathered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
On XX/XX/2017 a collection was reported on my account Letter sent to me, PortFolio recovery added a derogatory mark on my credit report Per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, PortFolio Recovery has violated my rights as a consumer and I am requestion legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: U.S. BANCORP
State: DE
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:
I filed a claim with XXXX PUA unemployment. After months of trying I was able to finally setup my claim. The state of XXXX at the time I filed did not offer direct deposit. 
All monies were added to a USBank Relia Debit Card. The last 3 out of 5 times I tried to use the card for a cash advance to transfer the money to my checking account. The card has been declined they give no explanation why. They tell you to call the phone number on the back of the card. They never answer the phone you can be on hold for hous then they diconnect the call.There website is always crashing they have no email address. 
You can not get any information as there is never anyone to speake to. There are thousands of complaints on the internet how you can never speak with anyone .US Relia card is horrible .Probally the worst bank in the country why they were awarded the contract makes no sense.

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 2020-07-07
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Specialized Loan Servicing LLC ( SLS ) at XXXX at XXXX EST, on XX/XX/2020, to state that I would be switching homeowners insurance companies from XXXX XXXX XXXX  XXXX to XXXX XXXX . The SLS rep told me to call their escrow line at XXXX. I did so at XXXX XXXX EST, and I requested that no payment be made from my escrow account. I was assured the payment of {$1300.00} had not, and would not be processed to XXXX XXXX XXXX  XXXX. 

Today, XX/XX/2020, I received an e-mail from Specialized Loan Servicing LLC which stated that they had made the payment of {$1300.00} to XXXX XXXX XXXX XXXX. 

Specialized Loan Servicing LLC, through its incompetence, has stolen {$1000.00} ( the payment caused a negative balance of {$280.00} ) from my escrow account. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA closed simple bank accounts with a severely inadequate plan in place. It's been 2 days and members can't access their accounts. This is completely unacceptable and needs to be addressed. The special customer service line simply either hangs up on you or connects you to a person who can't hear what you're saying and then hangs up.

Company response to consumer: Closed with explanation