BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: Experian Information Solutions Inc.
State: TX
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'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXX XXXXXXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX Account Closed on XX/XX/XXXX Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be

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 2020-05-30
Company: EQUIFAX, 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:
XXXX XXXX XXXX sales person ask me for mi ssn and i did not tell him. I asked many times to dont do a hard inquiry. He says the they wont do. Will be only to check if I have some account with them ( lies ), i provide my drive license number. And immediately I received an alert that they run my credit with equifax. I dont recognize that inquiry because i tell him many times dont do it. His name is XXXX XXXX operator number XXXX from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2020-11-10
Company: Jim Bottin Enterprises, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had two memberships with The XXXX XXXX in XXXX ct. I went to the gym to cancel the memberships. They said I needed to contact ABC Financial. I called many timeS and was out on hold. I never was able to speak to someone. I then sent an email on XXXX. I canceled a gym membership with ABC Financial for XXXX XXXX. They gave me such a hard time ( I have email proof ) that I told them not to charge my card anymore. They continue to send me texts requesting payment. I contacted them again XXXX and they are again giving me a hard time and trying to continue to charge me. I sent a screen shot of my email from XXXX to not charge me and cancel the membership. They then stated they will not cancel until payment is made but I do not owe them any money. I canceled back in XXXX and requested never to be charged again. They havent charged me but they are continuing to bill me and are harassing me for payment. I have not attending the gym since COVID back in XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE XXXX XXXX XXXX IS A COLLECTION ACCOUNT DUE TO IDENTITY THEFT. I NEVER HAD A CAPITAL ONE ACCOUNT THEREFORE THIS ACCOUNT IS ALSO FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello Suntrust closed a business account because they indicated they noticed fraud. The account was a business account XXXX XXXXXXXX XXXX XXXX XXXX. They advised on XX/XX/2020 a check was deposited into the business account in the amount of XXXX which was a fake check. On Saturday XX/XX/2020 I was advised the check was fraudulent however at that time Suntrust bank was closed so on XX/XX/2020 I went into the local branch and advised the manager the check was fraudulent. At that time the manager advised the check was already deposited and it was nothing she could do. She advised if the check is deemed to be fraud, the account would be closed and I would receive my deposit of XXXX via check, she also stated I could attempt to establish a new account within 30 days. The account was closed and I did receive the XXXX via check. I never attempted to get money from the check, no one lost money. I did not willing put a fake check into my account. I am not the police nor do I work for a bank, therefore I was not able to tell the check was fake prior to making the deposit. I rendered services to the person that wrote the check, so I lost money as well. 

I do not want to reopen an account with SunTrust however I do not want Suntrust reporting to consumer reporting agencies that I committed fraud against their bank. I have never committed fraud a day in my life. The definition of fraud is : wrongful or criminal deception intended to result in financial or personal gain. I did not intend to commit fraud and when I found out I went to the bank and told them. I did not benefit from this situation, I actually lost. I do not want SUNTRUST reporting that my account was closed due to fraud because fraud was not committed at all. 

I will like to speak to someone about this.

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 2017-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had auto-pay set up with my Bank of America ( BoA ) travel rewards card to pay for the " amount due '' since XX/XX/XXXX when I first obtained the card. The setting was never changed and payment always went through correctly paying the full amount due until XX/XX/XXXX when suddenly only {$25.00} ( " minimum due '' ) was drafted. I was charged a fee. I called BoA and had a 3-way conversation with Bill Pay and credit card, I paid the rest due and was told during this conversation that to have the full amount paid, I should check " statement balance. '' Although I find it odd ( why was the minimum was paid when that was never the selection ), I followed the recommendation and changed it to " statement balance ''. The fee was refunded as promised. However, in XX/XX/XXXX, {$1900.00} was drafted from my XXXX XXXX checking to pay for {$320.00} on my balance. Thus my account was over-drafted for {$1600.00}. I called BoA when I discovered this 3 days after it happened on XX/XX/XXXX, and was told that they can refund it but it 'll take 5 days. After I noted that this should never had happened in the first place, the manager I spoke to said it 'll be expedited to 24-48 hours. Today is XX/XX/XXXX and BoA still owes me {$1500.00} ( after deduction to pay for a recent purchase ).

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 2020-12-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have PAID Charge-Offs with XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX  as well as charge-offs that no one has been able to verify and PROVE that are mine with XXXX/XXXX, XXXX/XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-05-20
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:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
TransUnion customer service would not help and take care of the negative inquiries reporting to my credit report. I have 10 hard inquiries I asked them to take care of and they FAILED to help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TRANS UNION, 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 2017-08-09
Company: Servis One, Inc., Titusville, PA Branch
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI has failed to apply payments to the outstanding loan obligation pursuant to the provisions of Uniform Covenant 2 of the Deed of Trust, and the Periodic Payment Rules of Regulation X, which provide that payments must be applied in the following mandatory priority order of application : 1. Principal ; 2. Interest ; 3. Escrow ; 4. Late Fees ; 5. Other Charges or Advances approved by Applicable Law ; and 6. To Reduce the Outstanding Principal Balance.
Additionally, BSI has seriously mishandled the escrow account in this matter. Courts have recognized mortgage servicers breach of fiduciary duty in escrow mismanagement. The overarching errors are : A. Failure to board the current, newly modified loan and escrow balance properly in XX/XX/XXXX, leading to an inaccurate XX/XX/XXXX escrow analysis & resulting dramatic increase in monthly PITI payments and late fees and improperly reflecting account was in default and filing foreclosure.
B. Collection of insurance escrow from XX/XX/XXXX through XX/XX/XXXX yet failing to disburse those funds for borrower 's annual XX/XX/XXXX insurance premium, forcing her to pay it herself.
C. Failure to properly investigate and respond to borrower 's notices of errors and attempts to resolve this matter with BSI.
Please see attached Notice of Servicing Error for specific details regarding the errors and failure to timely investigate and correct. To date BSI has not provided a response to the XX/XX/XXXX Notice of Servicing Error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company called my phone number and my mother's phone number on X/X/2017 asking for information on my location and gave a call back number of XXXX XXXX XXXX without identifying themselves or the company they work for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: General Motors Financial Company, Inc.
State: NJ
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 voluntarily surrendered my vehicle on XX/XX/2020 after being out of work since the pandemic on XX/XX/2020. I was provided misinformation on how to surrender the vehicle, then they didn't pic it up when they said they would after i volunteered to drop it off because I didn't want to be charged for it. Their rep XXXX XXXX told me I would not be charged for that they pay for it. It is attached to the fees on this letter i will update. I lodged a complaint with their corporate office I received 1 call no follow up. I am disputing all these fees especially when I am still not working and feel like I am being treated unfairly in a situation like we are currently in. I have filed numerous complaints against the company and they go unresolved. Also the letter in question says I will accrue interest until the date of the letter which I don't understand that when the vehicle has been in their possession since XX/XX/2020 but the surrender notice was signed on XX/XX/2020. I am being taken advantage of and it is not fair to me. You wrote off the account per my credit as closed charge off/ bad debt after adding a bogus late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: PlusFour, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found a collection on my credit report for the amount of {$53.00} from Plusfour Inc in XXXX XXXX NV, from XX/XX/XXXX. I contacted Plusfour in XX/XX/XXXX to inquire what this was from, it was from an XXXX XXXX Clinic in XXXX XXXX ( I  live in MO ). I was listed as insurance provider, when my ex wife took my daughter there. All bills from XXXX XXXX   and attempts to collect from Plusfour had went to my ex wife in XXXX NV. After figuring out where this debt had came from and even proving Plusfour with my personal information, I wanted written notification this debt was in fact owed. I figured it would be easier to just pay the small amount rather than dispute. I have yet to receive proof that this debt is in fact legit as of XX/XX/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 2021-01-23
Company: Continental Finance Company, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
my XX/XX/XXXX.payment was not received so they say .so i called they told me to send my bank statement so i fax it and still they is giving me the run around this is being going on for about 3 weeks they have the bank paper i fax the statement XXXX XXXX XXXX payede by phone XXXX dollars withdrew from my account on XXXX.got ready to pay for XXXX thats when i learned about itive called about 20 times talked to 20 difference peoples keep saying the same crazy stuff i dont understand what the problem is because they have the bank statementplus i want to sue them for stress this has took a tole on me i pay a XXXX dollars on this account every month never missed or late plus my credit when down about 40 point they said because of XXXX credit card

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 2018-03-03
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX has an account on my credit report for {$160.00}, however, they have never sent me anything in writing to validate this debt or inform me of placing on my credit. Furthermore, they are not in compliance with the State of Tennessee collection agency regulations. They have to be licensed and bonded to collect debt in this state. They are not listed on state documents to collect. They have NO licenses and are not bonded as required! They are not only violating my FCRA rights but also in violation of the state regulations.

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 2020-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COLLECTION COMPANY AND THEY ARE CORPORATING. Portfolio Recovery Associates claimed they investigated and verified the PRA accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. THIS company also states that sent its initial notification letters which is not true. We take compliance with all applicable state and federal laws very seriously. They reported incorrect addreses and name to the credit bureaus ( per credit bureaus ). They have engaged in harassing clients, failed to adequately cooperate, or engaged in misconduct regarding the relevant accounts placed with their company. I have sent them a copy of identity theft report by " FTC '' and no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  removed these accounts from my credit on XX/XX/2016 for amt of {$380.00}, {$190.00}, {$250.00} and were never validated. They also have not sent me any notice as to reinserting this information onto my credit report which is required per If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. I have yet to receive anything. Furthermore, the company is NOT licensed in the state of TN or bonded per the state regulations in Tennessee. You have to be licensed and bonded to collect any funds on collection accounts, as well as these accounts are well over 7 years old!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SENT WRITTEN LETTERS TO COLLECTION AGENCY DEMANDING TO CEASE AND DESIST ALL ATTEMPT TO CONTACT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied online with Shellpoint Mortgage twice online for their COVID assistance program and to date they have not helped me. I need help getting placed on the COVID assistance program with lack and failure of response from Shellpoint Mortgage. Please assist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Dovenmuehle Mortgage, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An error was made by the mortgage company ( Dovenmuehle ) where they made an additional escrow payment in XX/XX/2020 to the city of XXXX, CT. As a result, my account was reflected on their side as being underfunded and they increased our new payments by XXXX $ XXXX/month. I have reached out to them for over 2 months now to resolve this issue multiple times proactively and they have told me that they lost their analysis, needed to conduct a new one, and they still have not resolved my issue. This issue is solely with Dovenmuehle and we can not afford to keep paying these overinflated monthly payments because of a mistake the mortgage company made in error. I need help because the mortgage company continues to ignore me.

Company response to consumer: Closed with explanation