BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/2018, there was were faulty plumbing, wiring, and heating unit issues in the property I was renting/leasing at the time. I was told by the landlord that it would get taken care of immediately. It never get taken care of, as a result, the electric bill for one month alone was over {$1000.00} due to these faulty issues. The landlord was supposed to pay this bill, since it was his fault. However, instead this was charged to me. I was not informed this would affect my credit, but since I could not get any hep from the landlord, I did my best to pay this debt anyway. I never received any notice that this would be transferred to collections. However, when collections did call me earlier this year, I still attempted to settle the debt by getting on a payment plan for the sake of my credit. They told me that this would not be reported negatively on my credit report if I began a payment plan. So I proceeded. I have discovered that that they STILL reported negatively on my credit report, and this is hurting me terribly. All this for a debt I do not even owe. I can not get any help on this matter from the company collecting the debt currently listed on my credit report CREDIT MANAGEMENT LP. I also could not get help from XXXX XXXX XXXX who initially charged me such an outrageous bill from a faulty home that the landlord was supposed to repair. I was never even notified in writing about the outstanding balance or that it would be sent to collections. I spite of all this, I am still on the payment plan and am working to pay off this debt I should not owe as agreed when promised it would not affect my credit report if I took action. With that said, I would like to please get this negative remark removed from my credit report ASAP. Although I wish I did not have to pay this at all, I understand someone needs to pay it and I know my former landlord will not. I truly appreciate any effort on this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have direct deposit on my NetSpend card and I lost my NetSpend card and canceled it and I have been trying to transfer the amount allowed to another NetSpend account and have been trying for three days now with no success because they keep giving me a hard time and i have called a total of 14 times in one day alone and getting some recording 4 times in a row saying they could not hear me and it was my phone that was having difficulty and each time was the same voice and same exact message pretending to speak to me when it was just a recording. also they went from giving me different information each and every time i called about how much money i was allowed to transfer and each time i was getting told the amount went lower and lower at the very end i was only able to transfer XXXX dollars, which makes me feel like i am being deprived of my own earning and they have complete control over my money. in the end i asked to speak to a manager or supervisor with the last 3 reps i spoke to and each time they were hesitant and made me wait more then 45 min each time to then lose the call when being put on hold, so i decided to wait another 45 min one last time and finally i was able to speak to management which also gave me a hard time. so they went from me being able to transfer XXXX in the morning to XXXX dollars by XXXX XXXX  a total of 1 hour and 45 min i think is not fair or comforting plus they would not give me contact information on anyone above them to contact and kept telling me that they would send an email to them and i would be contacted in two days. lastly it has been more them 2 months that i expedited my order for a new card which i was charged and was to get in the mail within 2 days and never have recieved it and i have called many times about the matter each time being told that they will send a new one and cancle the last one ordered so that why i have to keep transfering money to a new card each time and being charger XXXX dollars for each transfer which is robbery when they are failing to meet my needs as a customer. this is my hard earned money and they are holding and keeping it away from 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 2021-04-02
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 information incorrect

Complaint:
XXXX  is showing error several error s on my credit report first one is company called XXXX  I've never had XXXX  card or account before dispute several times for it too appear again on my report also shows I have late payments on my XXXX XXXX card never been late also on my car loan shows late never late XXXX  refused too help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
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:
I have disputed this account mutiple times do to fraud I have sent my FTC affidavit form in and still the credit breau have not removed the accounts thats fraud they told me to send in my FTC form and I did and still havent remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied for a Verizon Credit Card through Synchrony Financial Bank. The application page asked for name, last name, address, date of birth, social security number and income information. The application was denied, after my credit bureaus were accessed. The reason for the denial is that the bank couldn't verify my identity. No further information was provided. I called repeatedly and asked to speak with lending department or any relevant department. Each bank has a security and/or lending department that is responsible for making lending decisions. Apparently Synchrony Bank has an automatic algorithm that checks people 's credit bureaus and reject candidates without a reason. If the bank believes they can not confirm my identity, then the bank has the obligation of offering a way to confirm it. I'd be happy to send copies of identity documents, W2s, paystubs, etc. However, the bank keeps saying that the identity could not be verified, and to try again in 30 days. Basically this bank wants to ruin people 's credit by doing a hard pull every 30 days and just hide behind the phrase : we couldn't check your identity. How can you state you were unable to verify my identity if you only asked demographic information, which was correct since it's me, and then the nothing else was asked? 

The cherry on top is that I already have a Care  Credit account with this bank, with XXXX balance by the way. So how is it again that you're unable to check my identity? 

This bank is violating the Equal Credit Opportunity Act and should be held accountable. This case will also be referred to the Florida State Attorney 's Office.

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 2020-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In XXXX of 2019 I was going through financial hardship, and I couldn't afford the minimum payment. I was fairly new to credit, I thought I would pay a late fee and maybe get hit 50 points. My credit score took a huge hit from that missed payment, and I have been making on time payments trying to repair the damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Kenneth E. Davidson, Attorney
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2019 I received the Motion Requesting Warrant to Issue and Additional Attorney Fees. I called the Attorneys office and was informed that there was a warrant issued for my arrest. I was further told that I needed to be careful driving as I would be arrested. She claimed that they could squash the warrant if I paid the full amount due immediately or came to her office and filled out some papers. I asked what the debt was and she said it was for XXXX XXXX from an auto accident. I requested to speak to the attorney and was told that he would not speak with me as that is what she is there for. I explained to her that I had full coverage auto and was not the at fault party so I had  assumed the medical bills had been paid. She said that it was out of her hands and I had to pay the {$2400.00} immediately or deal with the consequences of the warrant for failure to appear at the court date ( that I was never served papers for ) I called the court and spoke with a clerk who informed me that a warrant was not issued for my arrest and that there was a review scheduled on XX/XX/2019. I have never been served papers in regards to this case as the assistant at XXXX XXXX office is claiming. Upon questioning everyone in my home my Step Daughter admitted that a few weeks back a gentleman had come to the house with court papers. She said that she had informed him that she was not me to which he demanded to see her license. She told him she did not have one and he threw the papers at her hitting her in the face with them as he yelled " you have been served, pay your bills '' She picked them up and threw them in the trash. She is only XXXX years old and she was very upset about being treated this way. Unfortunately, she did not say anything to me about it because she was afraid she would be grounded because she cursed the man out for hitting her. I also called XXXX ( my auto insurance company at the time of the accident ) they said all of the medical bills submitted by the company claiming the debt were paid. They also informed me that there was still time to submit those bills and that the XXXX  should have done so but if they give me verification of the bills they will cover them if I submit them. This debt collection practice is not only irresponsible and illegal it is inhumane. Now that my step daughter has spoken out about the assault her mother is filing a report and hopefully the process server will be charged with assault on a child.

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: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For over 25 months I have aggressively tried to get validation of this debt through the collection agency : Quality Assest Recovery ... through certified letters to this company asking for validation. 
I have also disputed this negative account through each credit bureau for a continuous 2 years that I have notice this account on my report in 2017. 
I have reported that I never received any initial notice indicating that I owe a debt to this collection agency to the credit bureaus in my disputes and it was ignored. 
This account consistently was verified by XXXX and XXXX disregarding my concerns about my lack of ability to obtain information about this debt Quality Asset Recover says I owe. 

XXXX and XXXX feedback was simply stated that they will no longer re- investigate this particular account and that I need to contact the furnisher. 

After taking the advice of the credit bureau I made the call to Quality Asset Recovery, with the purpose to validate the debt and found that I was blatantly ignored and was being pressured to discuss payment of the debt .... I simply refuse and demanded validation and ended the conversation that seem useless. 

After filing a CFPB complaint about the matter and violation of my rights to receive validation. 
Quality Asset Recovery sent a letter stating that my complaint was not accurate and that I initially call them to discuss payment and was willing to make a payment rather then get the validation Im entitled to. 

This collection agency practices are unfair and against the FDCPA guideline how to treat and conduct business. 

At this time I have yet to recieve validation of this debt that Quality Asset Recovery wants me to pay without knowing anything about the validity of this 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 2023-02-10
Company: HYUNDAI CAPITAL AMERICA
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: Old information reappears or never goes away

Complaint:
For over six years the lease is still showing late. Hyundai Finance has not corrected the 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 2020-01-30
Company: MARINER FINANCE, LLC
State: PA
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 was reviewing my credit report and i realize i have those accounts ( MARINER FINANCE ) AMOUNT OF {$1800.00}, ( XXXX XXXX XXXX XXXX, i need an investigation to these accounts that it don't belong to 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 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In attempting to access TransUnion credit report, TransUnion had me create an account and provide credit card information for presumed identity verification purposes ( appeared to be a part of account creation, no product description, recurring fee details, or indication that the card would be charged by TransUnion for any amount for any paid service ). 
Process of " creating a FREE a account '' is intentionally and purposefully designed to mislead users attempting to create an account to view possible credit monitoring products, access their credit report ( possible through both XXXX  and XXXX  account creation processes and websites ). 

As a victim of the credit reporting agencies data breach, and subsequent victimization by identity theft as a direct result of said breach, it is both demeaning and insulting to then be victimized by a credit reporting agency while attempting to access my credit report in order to rectify the financial and personal harm inflicted by the data breach. 

While I am relatively competent navigating complex sites in order to find the information I need in order to resolve an issue, the amount of difficulty I had with this incident is alarming in that the number of consumers affected by these deceptive practices ( which exist despite multiple adverse CFPB actions for similar practices within the past year ) who are vulnerable consumers, elderly, or unable to readily access a personal computer, landline telephone, or unable to lose pay in order to counteract the deceptive practices of TransUnion. 

TransUnion reference # XXXX ( account closed, refund for amount $ XXXX  subsequent to bringing up CFPB complaint process ). 
Federal Trade Commission Identify Theft Report # : XXXX Regards, 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 2019-02-22
Company: Shellpoint Partners, LLC
State: TX
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:
On XX/XX/19 my mortgage company, XXXX XXXX, called me regarding a refinance offer that I qualified for. When I told the loan officer- XXXX XXXX , that I would like more information he said that he would put some scenarios together so that we can discuss further ideas. He never asked to run my credit or informed me that he would be conducting a credit inquiry as I would have declined that. On XX/XX/19 I get notified by my credit monitoring company that a hard inquiry has been made by XXXX XXXX XXXX. I contacted the loan officer and asked why the inquiry was made and he stated that I had approved the credit check, which is 100 % false. I requested his supervisors number- XXXX XXXX , left him a message to which he never called me back. I then called the loan officer again and requested upper management contact info and was given- XXXX XXXX XXXX When I called the direct line it was an incorrect number and when I asked the operator for Mr. XXXX XXXX 's number, I was told there is no such person working for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX and Experian Show different Date and year of Last Active. XXXX Shows XX/XX/XXXX. and Experian Shows XX/XX/XXXX how is this possible? this is inaccurate and a violation of the FCRA and needs to be Deleted.

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 2020-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several inquiries that are on my report that i have NOT applied for. I have asked them to be removed but they have not submitted any proof back to me. Here they are : XXXX XX/XX/20 US SM Bus Admin XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XX/XX/20 & XX/XX/20 XXXX XXXX XX/XX/20 Also i Have accounts that are not showing on my Equifax that i wish to have on there. 
I have 1 Accounts with XXXX XXXX XXXX 1 account with XXXX XXXX XXXX XXXX 1 Account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had opened a saving acct on XX/XX/19 td bank @ XXXX XXXX XXXX XXXX branch. I specified to the banker who opened my acct please do not send me any atm card. Until I check my mobile banking I saw two unauthorized atm withdrawal, I contacted the bank directly and dispute a fraud claim. Few days later they denial my claim due to atm withdrawal was in my geography area. Spoke with the claim dept and they suggested to file a police report. Then refiled a new claim with police report number, few days later they denial my claim again due to no fraud occurred because the PIN number was entered correctly. I purposed ask the claim dept to speak to fraud dept to pull up the camera and they said they dont have fraud dept that I can speak to. Went to the bank few times and spoke with the bank employee regarding this matter and they couldnt help. Im very frustrated about this fraud occurred and bank couldnt take another action to investigate. I have been banking with this td for the past 8 years and never had any issue with them until last month I opened a new saving acct with them and suddenly found out the banker who opened my acct requested to send an atm card which I never asked for it. Then I filed a complaint with usps about mail stolen or loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Navient Solutions, LLC.
State: FL
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:
Navient placed me into and Income Driven Repayment Plan ( IDR ) and kept me in an IDR payment plan without my consent or even an application. Also, according to my credit report, their website, and my account statements, there is a large disagreement on the outstanding balance which has the tendency to change by large amounts on any given month that are not consistent with my payments. Furthermore, the company is not putting any of my payment towards the principle of my unsubsidized loans, just interest. I was under the impression when I set up my auto-pay that I was entering into a standard repayment plan as I know that this is the most financially healthy option in the long run. The company is taking advantage of me and has placed me in a situation that is going to cost way more money. I have asked for a solution and explanations and I was told that someone would look over my account and I have heard nothing else. Why should I be expected to uphold my agreement, when Navient has not held theirs and has hurt me financially in the long run?

Company response to consumer: Closed with explanation