BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: MI
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 used to have a XXXX card ( XXXX XXXX  XXXX and XXXX went bankrupt.When XXXX went out of buisness my XXXX card was transferred to " XXXX XXXX XXXX '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to XXXX XXXX  XXXX XXXX XXXX is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that option.XXXX XXXX  XXXX XXXX XXXX XXXX  ) closed my account with out any knowledge or paper work sent.Because of XXXX closing my account, it has caused a negative on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased the vehicle in XX/XX/2021 and have not received my tag as of this date..I have had constant contact with the company who told me not to pay the payment, as they themselves did not have the title to the vehicle. I still continued to contact this company, to no avail. Now in XXXX, I start getting collection calls after I was told not to pay and my constant phone calls telling them I need my tag. I get pulled over every time I drive just about. Someone was supposed to call and I still get collection calls but no-one calls about the tag. This company received the tag in XXXX amd that us when these collection calls began. Now they try to tell me that I know I owe money, that I should just pay the payment and go get a new tag. This upsets me completely, as I did not pay because I was informed not to. I also checked my online account, in which never had a payment due. I informed them that they need to correct their error, reporting to the credit bureau that I am late, send me my tags that I paid for and We will get the car taken care of. I just want out of this situation as it is causing more stress than I care to deal with. I can't trade the car because of them reporting to the credit bureau, I ca n't drive the car because of them but I can't get anywhere. I just keep getting collection calls with no resolve. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested inaccurate information be removed from my credit reports and it still hasn't happened in over a year if waiting. As a result of fraudulent activity on my credit profile I am placed fraud alerts and/or security freezes on my credit profile with all 3 credit reporting agencies. As a result I am unable to obtain credit and now can't even get the freezes/alerts removed from my credit profile along with names and/or addresses that should not be associated with my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
re : Credit Card # XXXX missing removal of XX/XX/XXXX Late Notice I have a partial Hurricane Irma success story to tell you about BofA President XXXX XXXX XXXX. XXXX published a promise to bofa Credit Card customers on XX/XX/XXXX : He promised to not charge LATE NOTICES for up to Three months for any affected consumers who were unable to pay their bills for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. ( attached Letter published on BofA website ) I am Consumer XXXX XXXX, and I was approved for Hurricane Irma disaster assistance on XX/XX/XXXX. I had my XX/XX/XXXX statement show a refund of {$970.00} and my XX/XX/XXXX statement show another refund totaling {$240.00}. I thank the BofA Disaster Relief Dept in Texas, who told me they approved it in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX and just this past week again. 

The problem is that I am a SnowBird, living in both XXXX and XXXX. I have property in XXXX and had to deal with the flooding and that is why I asked for this Hurricane Rehab approval. 

Please check on complaint # XXXX. BofA got all but the removal of the XX/XX/XXXX late notice corrected. And that is the only thing they forgot to address. 

IF YOU READ PRESIDENT XXXX   LETTER, BOFA PROMISED NOT TO FILE ANY LATE NOTICES WITH CRAs. They withdrew the XX/XX/XXXX late notice from XXXX, XXXX, XXXX, BUT, THEY DID NOT SEND ANY REMOVAL NOTICE TO XXXX NOR XXXX! Under FCRA rules, CRAs must not treat some CRAs differently than others, and I as a Hurricane Rehab consumer, please ask that all negative late notices be deleted since BofA did not respond to anyone uniformly. I have attached the XXXX report here for proof that nothing was reported negatively to XXXX, but, it is report late in XX/XX/XXXX to XXXX and XXXX ( attached ) I filed for notice of damages with FEMA regarding the Hurricane Irma Disaster. As such, I am entitled to be treated as a victim.

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 monetary relief
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: MI
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 used to have a XXXX card ( XXXX XXXX  XXXX and XXXX went bankrupt.When XXXX went out of buisness my XXXX card was transferred to " XXXX XXXX XXXX  '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to XXXX XXXX   XXXX XXXX XXXX  is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that optionXXXX XXXX XXXX XXXX XXXX XXXX  ) closed my account with out any knowledge or paper work sent.Because of XXXX closing my account, it has caused a negative on 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 2018-01-29
Company: ALLY FINANCIAL 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 information incorrect

Complaint:
My car payment is {$470.00}. Although I maintained insurance and submitted proof, this company put force place insurance on my account. I paid my account in full for XX/XX/XXXX this company gave my a late delinquency on my account because I did not pay for there forced placed insurance.

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 2017-11-16
Company: Stearns Ventures, LLC
State: VA
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 my case number with institution. 

I simply accessed my online account in XXXX of XXXX to switch auto-draft accounts from one bank to another. When doing so, the website explained that it would take 30 days to reflect the changes. What actually happened, is they removed the current banking information immediately and waited 30 days to update the new account. In turn, I was balancing my checkbook for the month of XXXX, and realized my mortgage payment had not been deducted. I called Stearns immediately. They stated that I was 32 days delinquent on my account. I asked why they did not attempt to contact me ( after verifying all of my account information was correct, something they ask every time you log in ). They had no answers. Why would they have not called or emailed if I was late? I resolved the payment issue immediately and asked them if they had reported it to the credit bureaus. They stated that they report 30 days delinquency ( essentially I was 2 days late ). I asked for a reversal they said I would have to dispute via an online application, which I did, 3 separate times. It is now 4 months later and I have not received correspondence to correct this issue. My credit score has dropped over 120 points for the one discrepancy. My score went from a XXXX to a XXXX overnight. I am now getting declined for premier credit cards ( which I had no problems previously ) and my student loans payment has increased by 1 full point as there is an adjustable rate which is dependent on your credit score as a factor. This is costing me a substantial amount of financial distress. I feel that Stearns should remove the delinquent report immediately. Their website verbiage was misleading, and they made ZERO attempt to contact me and allow me the chance to make the payment before reporting my delinquency to the credit bureaus. This is not fair practice as to the magnitude of troubles it has caused me financially.

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 2017-11-16
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX,2017 I sent a dispute to XXXX for an erroneous account on my credit report and they never responded to me, period. 

I also sent two disputes to Experian for the same thing. The first response I got from them saying that it had been updated/remains and that 's not what I asked for. Then, I sent a second dispute and they said they would re-investigate my dispute. Now something seems fishy about this because they never provided me with the info I asked for to begin with. 

I sent both letters certified plus I have copies of what I sent both bureaus.

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 2019-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts do not belong to me. I never made a deals with these banks. Please remove as soon as possible all 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 non-monetary relief
Consumer complaint received 2019-09-13
Company: Aargon Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection agent : AARGON COLLECTION ACCOUNT # XXXX According to the FAIR CREDIT REPORTING ACT, section 609 ( a ) ( 1 ) ( A ) credit bureaus are required by law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report or remove the accounts from my credit report.I am NOT asking for a bill or an invoice of a bill of this alleged 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 2018-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
equifax enclosed letter and not removing a temporary credit lock on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was just notified that my XX/XX/XXXX complaint # XXXX was status closed based on the FALSE representations by ALLY that this XX/XX/XXXX complaint is a duplicate complaint from XX/XX/XXXX. INCORRECT. The prior XX/XX/XXXX complaint was closed in XX/XX/XXXX/XX/XX/XXXX and involved early XX/XX/XXXX payments that were misapplied. No sooner than this case was closed did the EXACT same problem happen to my XX/XX/XXXX/XX/XX/XXXX payment. I provided a letter from my bank 's ACH processor that confirms the problem and this letter is dated XX/XX/XXXX. This is a totally separate instance of the same styled problem and is NOT in any way a duplicate complaint. I have been awaiting ALLY 's response the my XX/XX/XXXX complaint only to now receive this ridiculous response. It appears that ALLY CSR calls all appear to be transferred overseas to what appears to be the XXXX and they're totally useless in this situation. My credit report score is being severely negatively impacted.

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 2021-10-15
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. In XX/XX/2021, I refinanced my home. I have an escrow balance of {$4500.00} that is rightfully owed back to me from Specialized Loan Services. As part of the refinancing process, this should have automatically been mailed back to me when the loan was paid by the new loan holder.

2. In XXXX, I had not received the check and called to inquire. They indicated the check had been mailed, so they'd have to cancel the check and issue a new check. This process should take around 10 days. That same day, the check came in the mail. I called to ask if they could reverse the check cancellation. They indicated they could not and I should destroy the check. I did this. 
3. Thinking that the check from XXXX was on its way, I waited until XX/XX/XXXX to inquire again. The company indicated the check from XXXX had not been cancelled and someone was supposed to have called me to let me know the XXXX check was cashable. This did not happen. 
4. On XX/XX/XXXX, XXXX ( employee ID XXXX ) indicated he would assign the case to himself and update me with a tracking number for the new check by XX/XX/XXXX. 
5. On XX/XX/XXXX, I called and XXXX indicated " there had been a change in company policy '' that would not allow him to track this case. My understanding is that no check has been issued. Before I could get more details, he hung up on me, or I was disconnected. 
6. I called back and spoke with XXXX ( employee ID XXXX ) who indicated the same information as XXXX on XX/XX/XXXX- the case has been escalated and her notes request a wire transfer or certified mail so the check is traceable. She indicated this would take another 15 days to resolve and that she would call me on XX/XX/XXXX to update me on the status. This appears to directly contradict what XXXX said about the company policy that no longer allows for cases to be assigned to specific agents for resolution. I also requested a supervisor call back, which takes 24-48 hours.

6. No one has been willing to provide a direct number or email to call back to. The phone tree makes it difficult to reach a human person. I have called 11 times and only been able to connect 6 of those times. I have spent approximately 8 hours working on trying to get this resolved.

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 2018-01-29
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Recently on XX/XX/2018, I spoke with a representative from XXXX XXXX XXXX, I'm coming close to 2 years with them and their financial department is very unhelpful. My payments were roughly $ 31 monthly, I have been late 2 or 3 times due to financial hardships and I do understand that payments go up for late payments, now up to date my payments with XXXX are now roughly {$80.00}. I spoke with the representative and asked if they can assist me to help me keep my payments at least in the $ XXXX- {$50.00}, but the rep was very unprofessional and explained the process if payments are late and the APR goes up, she basically told me " I don't know what you want me to do '' even when I asked if I can keep my payments at a payment that I can afford. Long story short I told her I can't afford these payments and if you are willing not to help me to keep my payments at an affordable rate to send my balance to a collections agency, all she said was " okay that's fine, best of luck to you ''. Not only am I receiving a high payment, but very horrible and unprofessional customer service from XXXX. Please be aware for anyone who is considering getting 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 monetary relief
Consumer complaint received 2021-11-10
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lady called with a foreign accent that was hard to understand, possible XXXX or XXXX. This company ( CB Group XXXX ) has called me multiple times and all callers have accents. I have been asked for the ending of my social security number, my full address and full name. She wouldn't share with me the reason for her call unless I shared my personal info. She was forceful and talked over me. Caller would only say that it was on a personal matter and that I was being recorded. They offer to work out a deal with me over the phone for the debt. that I know nothing about. They try the scare tactic to have you pay today and stop collections. I did not share any info, being I have no debt. in question. I have advised her that I would report the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I called the Eppicard  to check my balance. I inquired about the last 10 transactions and eight of them were fraudulent. Upon detecting fraud looking into the last five months my account has been compromised.I had received a large lump sum deposit on for XX/XX/2019 in the amount of $ XXXX the same day a ATM withdrawal was made at a credit union 25 mins from my home that was not me and the charges continued until the XXXX of XXXX upon canceling and reporting fraud to the Eppicard  company on XX/XX/XXXX. I have had possession and still do have the card that has been frauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Real Time Group, Inc.
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was told that I owed the amount of over {$15000.00} on a debt that was discharged from XXXX  bankruptcy chapter XXXX Real Time Payment Solutions is continuing to want payment even though the debt was discharged in bankruptcy from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Back in XX/XX/2021 Bank of America blocked my EDD debit card that was issued by the State of California for my Unemployment. I reached out to them to fix the issue and went through the verification questions and then was told that I needed to contact the EDD in regards to this.

During that time, I have not been paid my EDD unemployment benefits that have been deposited to the card every two weeks by the EDD.

I've reached out the the EDD over the next few months and their responses were always the same, saying that they don't block the EDD debit cards and to contact Bank of America. Bank of America always says to contact EDD to fix this.

I have screenshots of the inbox messages from the EDD in regards to this, saying that they don't block the cards and to reach out to Bank of America. Then the final message from EDD on XX/XX/2021 saying that my identity WAS confirmed on XX/XX/2021 and again to contact Bank of America.

Bank of America, at this point, STILL says to contact the EDD and that they can not assist 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 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently pulled my credit report and noticed a few incorrect addresses. I live at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX and that should be my only address on my 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