BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: General Motors Financial Company, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a car loan through GM Financial and I had been paying my car note on time every since XXXX around XXXX I was in a hardship up until XXXX when I missed a payment and they have contacted me. During the conversation, I told them that I notice that they haven't been reporting my on time payments to credit bureau. She said yes we haven't because we been having a problem with our system and we just got a new one it will start reporting now. I said so there's nothing you can't do about it but instead they continued to call me on a daily basis and also have put a late payment on my credit. During the time I was paying on time they wasn't reporting. Also last year I had a back injury and haven't been back to work as of today. They gave me a defarament and didn't take off the late fees in which I was told that the late fees isn't included in that when I spoke with them in XXXX, but I was told that I would have to pay partial of my carnote in XXXX and it would push everything toward the end of my balance but it didn't. I feel like my rights was violated due to not reporting to the credit bureau until I missed a payment was unlawfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent for my credit repot & saw ir was low, so contacted XXXX, got the report and from there XXXX file # XXXX & 547 days later, the negative is NOT ME as I reported Identity/cyber theft how/why isn't it fixed after 547 days??? 
I called XXXX on Wednesday, XX/XX/2018 inquiring to the status and the lady filed yet another ( 4th ) dispute??? I followed every direction and I thought it would be corrected by now?!

I put fraud alerts on/with XXXX yet places i.e. XXXX XXXX still using my name? They l XXXX it seems did not provide other credit agencies that I am victim of cyber/identity theft so my credit is so low for my paying everything like a responsible person and no-one contacted me to ask if it is me taking out school loans when I paid mine off earning XXXX XXXX XXXX and paying it ...! 
My HELOC is now over {$100000.00} and I did not use any $ $ yet XXXX put fraud alert and money was directly being withdrawn as agent there should be {$1000.00} in that account insttera I owe all of that and got a phone call saying I can eaxgtend my HELOC although XXXX said it was closed but could not tell me why over seven ( 7 ) years ago????? What is going on because XXXX 's just giving me the run-around and I want my {$10000.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.C. Systems, Inc is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

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 2018-08-29
Company: TD BANK US HOLDING COMPANY
State: FL
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:
On XX/XX/2018, I disputed an account with TD Bank NA that is on all of my credit reports. Thirty-three ( 33 ) days later, TD Bank authored a letter in response to my dispute, which they received and stamped received XX/XX/2018. 

TD Bank dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. TD Bank also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business. 

On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed. 

I am also including a copy of my credit reports showing that the account is still listed as my account. 

On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements. 

The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies. 

I am providing evidence to corroborate my statement that TD Bank NA has violated the FCRA and FCRB and did not provide me within the thirty- ( 30 ) day time frame as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account was opened on XX/XX/2012. The debt collector states that i owe {$150.00}. I do not owe this debt. This has caused a negative mark on my report.I tried to contact the company numerous times to show me proof but no replies. Please remove this account immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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:
XXXX XXXX XXXX ( Account number XXXX ) is fraudulent. Law Enforcement Report has been filed. Please remove this FRAUD account from my credit file immediately. A FRAUD ALERT has been placed on my file at my request after LATE PAYMENTS from this FRAUD ACCOUNT destroyed my credit.

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 2019-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XX/XX/XXXX, Bank of America sent a letter in regards to my account ending in XXXX. Stating that " We've received notification that you've filed a petition for bankruptcy, case number XXXX. As a result of the filing, we've closed the above account. '' The bankruptcy mentioned in the letter has absolutely nothing to do with me ( or anyone I know or am acquainted with ) and was erroneously tied to my account by Bank of America. This is the second time in the past 3 years this situation has happened with Bank of America. 

I am not filing for bankruptcy and never have. 

In XX/XX/XXXX I received a very similar letter, but it did not state my account would be closed. After conducting my own research in XX/XX/XXXX I learned that an individual in Florida who is also named XXXX XXXX filed for bankruptcy, and somehow Bank of America tied it to my account. 

If Bank of America had proper procedures and steps to verify the identity of their account holders and data they receive from third parties, it would have been clear that the bankruptcy should not be tied to my account. 
After speaking with a Bank of America representative on MXX/XX/XXXX, she informed me that this most recent letter is still part of the same bankruptcy filing from XX/XX/XXXX ( case # XXXX ). 

In both 2016 and this most recent situation in XX/XX/XXXX, Bank of America has documented my account that the bankruptcy filing on my account was placed in error. 

However, Bank of America has still closed my account. 

Now this situation has negatively affected my credit due to the closed account, and they will not reopen my account without requiring me to reapply as if I'm a brand new customer. Even though they claim responsibility for the error. 

I refuse to have to go through the reapplication process because the hard credit inquiry will further negatively affect my credit. 

I have been an excellent customer for the past three years with excellent payment history, and my credit is being punished due to an error on their part. 

I request that the account ending in XXXX be reopened as it was before because Bank of America has accepted that it was an error on their part of having the bankruptcy filing on my account. Twice.

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: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, in XXXX of XXXX I lost my full time job after working for this organization for 14 years. The same time was diagnosed with XXXX XXXX. I applied for loan modification with my mortgage company, was approved. My modification will end in XX/XX/XXXX, COVID-19 broke out. I received a letter/form from my mortgage company about COVID-19 Protection Program, I signed for it. 
I started paying my mortgage because I am afraid that I am going to be so behind and end up not being able to afford to keep the mortgage current. 
I called my mortgage company, inquire some more help to avail from them. I was asking them if I can request or apply for a program that will help me to put the mortgage payment back toward the end of my loan. Since I was laid off agin ( XX/XX/XXXX ) I was told that I am not qualified for any help because they need a pay stub from me. I was told that since I accept the COVID-19 Protection Plan, that supersede the forebearance I have currently in place. I was also told that I need to bring my account in current to get some help. How to do it, I don't know. I am actively looking for a job.

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 2018-08-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
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:
Dear Staff, I am hoping that you can assist me with XXXX XXXX who continues to bill me and does not accept my payment following the end of a vehicle lease in early XX/XX/2018. I tried to pay this bill twice and am submitting evidence of the billing and my attempts of payment. I also called the company twice to resolve the bill, and they advised me during those calls that my account is in collection and that they needed to transfer me to that section, which they said was open for calls, yet when they transferred me the recording claimed they are closed for business. 

I have in the past leased twice from XXXX and made a third vehicle purchase, but I now understand that if a customer is not leasing or purchasing a vehicle, simply returning a lease, they use under-handed methods of incurring finance charges as a way of gaining money from the customer. I've worked very hard to have good credit, and their practices are now requiring me to seek your help and invest time in repairing my credit. I resent that they believe they can treat customers this way. Please assist me and let me know what further information you may need in addition to the documentation I'm attaching to this complaint. I greatly appreciate your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was opened on XX/XX/2017. It states that i owe {$320.00} which i do not. I tried to contact them to remove this account but no replies. I do not owe them anything. Theres no proof this is my account. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
HUNTINGTON BANK CLOSED ALL SIX OF MY BANK ACCOUNTS, ONE SAVINGS AND FIVE CHECKING. THEY SENT US A REGISTERED LETTER WHICH WE RECEIVED ON XX/XX/XXXX. WE HAD UNTIL XX/XX/XXXX BEFORE THEY CLOSED ALL OUR ACCOUNTS. THE LETTER THEY SENT US STATED THEIR REASON AS " ACCOUNTS EXCEED OUR RISK TOLERANCE. '' THEY WILL NOT EXPLAIN RISK TOLERANCE AND WHEN WE TRIED TO PULL THE REST OF OUR MONEY TODAY, XX/XX/XXXX, THEY PUT A HOLD ON OUR ACCOUNTS AND NOW WE HAVE TO WAIT UNTIL THEY MAIL US A CHECK, WHICH MAY TAKE UP TO TWO WEEKS. WE NEED OUR MONEY NOW. OUR DIRECT DEPOSIT ACCOUNTS ARE NOW MESSED UP FOR TWO MONTHS. THEY NEVER GAVE US ENOUGH TIME TO SWITCH BANKS. THEY WOULDN'T RETURN PHONE CALLS FOR FIVE DAYS AND WOULDN'T GIVE US THEIR NAME EITHER, IT IS TOP SECRET TOO. WE HAVE BEEN DOING BUSINESS WITH THIS BANK SINCE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 received a noticed from XXXX that account was opened by AFNI for {$710.00} on XX/XX/XXXX. I did not open account with them nor have I done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Last XX/XX/XXXX, Navient sent me 3 letter telling me that they were going to due me due to my inability to make payments. I have been on XXXX since XX/XX/XXXX and made them aware of it. In XX/XX/XXXX, I gave them a payment of XXXX. The man who took my bank information then set up a payment plan for Navient without my consent. When I called to confront the company they lied and said that they did not do that. The young man then baited me into an argument which lead to them calling the police on me. In XX/XX/XXXX of this year, I requested to have my loans discharged due to being on XXXX for over 2 years. They told me three times that they sent the paperwork and never did. Then they began to call me 5 times a day. I blocked their number as per consumer affairs bureau stated that they could only call me once a week. The young lady on the line told me that she would call me 8 times a day. So I blocked her. I originally borrowed XXXX to pay off medical debts due to the state of California denying me XXXX. I would not had been able to continue attending school due to my XXXX  and inability to get medical care that I needed. I was asked to participate in the civil law suit but was unable to due to my previous job that I worked 60 hours per week. I contacted thy XXXX and have not heard back from either. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It was brought to my attention that I am in debt collection for allegedly not paying my medical bill? If I did use services, I was never notified by email, phone or letter about the charges from the medical facility? I am shocked that this was reported on my credit? 

Collection Agency : Rash Curtis & Associat Balance Date : XX/XX/2020 Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian remove credit freeze page has not been working or down for more than 2 weeks. Every-time I visit the page to try and lift a freeze I receive the following error screen : Previous city 1 is a required entry. 
Previous state 1 is a required entry.

Previous ZIP Code 1 is a required entry. 

Although I am entering in the correct information with my current pin it continues to show errors no mater if I enter my current address of the past 6 years or my previous address. 

The site needs to be fix if one wants to lift a freeze. I have sent the company several emails but no reply from them as of today XX/XX/2020

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 2022-10-28
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I'm writing this to complain about my loan service provider Edfinancial services. I called on XX/XX/2022 to submit refund request for my student loan payment. The representative told me verbally that request has been submitted however there was no written confirmation. EdFinancial is giving ranges months to a year while other service providers are processing within 4-6 weeks and sometimes within 2 weeks. The wait time is too long and unacceptable. 
As of XX/XX/2022, it looks like my loan balance has been adjusted on my account but my payments have not been refunded. 
I'd like my refund please. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX XXXX XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
OnXX/XX/19 I received a credit report alert stating that Penn Credit has placed a collection/charge off in the amount of {$120.00} with an assigned date of XX/XX/19 on behalf of XXXX XXXX/XXXX. This collection was also on my credit report under XXXX  XXXX XXXX  back in XX/XX/2019 and was deleted off my report on XX/XX/19 around the same time Penn Credit stated it was assigned the debt. I spoke with a customer service rep at Penn Credit on XX/XX/19 and stated I never received a dunning notice or any other communication in regards to this debt that appears to have been transferred over. She replied that a notice was mailed out onXX/XX/XXXX and that I should receive it in the mail any day now and that attempted to call a phone number which was not mine. Penn Credit placed a negative collection on my report before I could sent a DV letter in regards to this matter. I have paid the original creditor XXXX XXXX/XXXX and do not owe Penn Credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Experian Information Solutions Inc.
State: GA
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 have recently disputed the following account with the credit bureau ( XXXX ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this company.

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 2018-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I no longer have the ability to make payments online. They appear to have updated their website, and my loan is a legacy product. I attempted to make my payment for XX/XX/XXXX and found this out.

After they forced me to send screen shots, they sent me a legacy link that was supposed to allow me to make my payments. I attempted to make my payment for XX/XX/XXXX this way, and still have no ability to do so. 

The only way to make payments is to hope to get transferred to someone at Capital One that has access. That takes over a half hour. This loan is set up to be online only. Thats in the terms of agreement.

Company response to consumer: Closed with monetary relief