BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-11
Company: Law Offices of Donald R Conrad P.C.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX I am constantly called, sometimes multiple times per day, by this debt collector. 

In XX/XX/2017 I submitted a request to the office to cease with the phone calls and only communicate with me in writing. I have only received one written notice from them. 

Furthermore, in XX/XX/2017 I submitted an offer to pay 25 % of what is due. I never received a written response from them. 

For the last several months, I have received a multitude of calls from this office. Most recently from XXXX Other numbers include are a variation of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: MN
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 following credit card account listed on my XXXX, Experian and XXXX XXXX credit report is lost/stolen : XXXX XXXX XXXX Visa : 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 2018-12-31
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I am a longtime XXXX customer, who drove off with a new, leased car in XX/XX/XXXX, and who continues to make my monthly {$460.00} payments to XXXX XXXX XXXX XXXX. But my credit report shows nothing about my lease payments from XXXX - present!! I realized this as I got weird information from XXXX XXXX, XXXX, NJ salespeople. XXXX XXXX kept calling me stating they want to give me a new deal. But one salesman said I was not paying my car note! Another said, my bankruptcy will make it impossible for me alone to get another XXXX ; said I needed my mom to be a co-signor. This was all said despite, me getting XXXX   before, with lousy credit, and despite me getting my mom to also get new cars from XXXX XXXX. So I skeptically got my credit reports from all 3 credit bureaus, only to see that XXXX reports my old stuff, but not my most current stuff! I called XXXX XXXX and got a representative who stated they did not report this new activity, because of my bankruptcy. ( XXXX is not part of that bankruptcy ). I forwarded an e-mail from my bankruptcy lawyer. It stated what I did : XXXX is not part of my bankruptcy plan. XXXX is a creditor paid outside of that plan, and thus, may lease/sell me another vehicle. 


XXXX claims the car is due back, in XX/XX/XXXX. ( It should have been turned in, XX/XX/XXXX ). But I got such weird, false information from car dealers, I did not take any new deals. But now, as I get closer to XXXX, I want XXXX to report my TRUE, new information! My bankruptcy is clear to the world. But my new lease agreement with XXXX is secret! ( Thank XXXX, I paid everything electronically, though my XXXX XXXX XXXX bill pay service. That allows a record, but only my OWN, not XXXX 's ). I deserve to have not only XXXX, but any other car dealer, rightly see my excellent credit with XXXX, as I seek to enter a new lease/car-buying deal!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XX/XX/19 I received an email from my banking institution that informed me that Barclay Card US had changed my credit card number and they had updated that information on the bank site where I pay my bills. I was notified in the same email that there was no need for further action. Further stating if I had questions to contact the credit card company directly.

I immediately made that call to Barclay only to be met with " a why worry attitude '' by every representative ( I spoke to 3 ), regarding this change. I further expressed my concerns that they could go in and change a card number without notice, that I had not initiated due to a lost or stolen or fraudulent event. Expressing that this was " NOT NORMAL '' procedure, they caused me a great deal of momentary grief and concern as I attempted to find the answer to " why ''. Their only response was " it was a security measure that they commonly practice to insure my card was secure. '' I stated I'd been doing business with them for at least 10 years and never had this happened. I have had ample credit cards throughout my life and NONE had ever taken such a measure to secure my card unless " I initiated '' the change due to a lost/stolen or possible fraudulent transaction. All I kept getting from them was apologies for the inconvenience and nary a legitimate engagement regarding my concern this happened in the first place. 

When I asked them to make sure that the powers that be get my escalated complaint of this poorly initiated changed and failure to communicate that it was happening I could not help but feel like they were humoring me only by saying they'd submit a report of my complaint and call. 

To clarify I also left an email ON THEIR WEBSITE from my login area that was secure. In that note, I stated that I received an email from them -- -THAT WAS AN ERROR and oversite on my part and incorrectly stated. I immediately saw red, became concerned and overlooked who the email was actually from which was my banking institution. I have saved a copy of it and will attach, along with the last copy of my billing statement from Barclay that has the last 4 of the old number, and a snapshot of the new barclay page reflecting the last 4 of the new number. They said the new card is in the mail as of XX/XX/19 and that the old card would still be good until XX/XX/2019. I expressed my grave concern that to me, they had INCREASED my possibility of being compromised having TWO active number cards circulating, of which I DO NOT EVEN HAVE THE ENTIRE NEW card number yet!!! Again, a very wrong way to go about " securing '' a clients 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 2018-12-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On about XX/XX/2018,XX/XX/2018 and XX/XX/2018 I send the " Letter of Demand '' to 3 Major credit Bureau companies : Experian, XXXX and XXXX .

Only XXXX excepted my dispute and Completely deleted and removed some collections, unknown bank charges form their credit file.

The other 2 credit companies : Experian and XXXX had fail to notify me the unauthorized charges from those Banks report to their credit file.

They only mail me the letter informed those charges were accurate. But did not provide me any prove evidence or document like Statements, invoice, balance due ... from their Banks show I own them.

Please help me to investigate and send a complain to Experian and XXXX again. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
Bank of America is reporting incorrect information which is stopping a borrower from proceeding with a refinance as well as a purchase. Bank of America is reporting an account as if it is deferment when a borrower had never requested the deferment and has made continuous payments on the debt in deferment. By doing so, this stops a Veteran from bettering their financial position and proceeding with a refinance as well as a purchase. 

Our third party credit service has made attempts to order a credit supplement to have Bank of America update the information but Bank of America refused to remove. The incorrect report of deferment on the consumer 's credit is not allowing a new lender the ability to close on the consumer 's new financing as a mortgage loan is not resalable under VA guidelines with an account in deferment.

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 2018-06-11
Company: We Collect Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sold a vehicle in XX/XX/XXXX and reported the sale on the Oregon DMV website. Nearly five years later ( XX/XX/XXXX ), the vehicle had never been registered or titled by the new owner. The car was towed and I received a letter from XXXX  ( XXXX bureau of transportation )  stating that a vehicle registered in my name was towed by XXXX XXXX. XXXX XXXX   started a lien, who also later sent me a letter saying the vehicle would be auctioned to pay the debt. I ultimately received a notice from a debt collector ( XXXX XXXX ) with a {$870.00} bill. I called them and notified them that I was no longer the owner and that I reported the sale. I went to the oregon DMV and requested the record. The record did not include the buyers address, which is not a required field to report a vehicle sale ( see attachment ). XXXX XXXX has this record, which also includes the buyers name. The record includes the fact that I did report the sale in XX/XX/XXXX such as to release my interest in the vehicle ( XXXX XXXX XXXXXXXX ). XXXX XXXX  refuses to accept this DMV record because It does not include the address of the buyer. I do not believe they are just in continuing send me bills/phone calls for 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 2018-08-24
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. I filed a previous complaint requesting the history of interest rates on my adjustable rate mortgage and a copy of the Note. The Company " Selene Finance '' then provided interest rate history information to you, but had never provided it to me after several attempts to obtain that information via phone request and faxed and mailed letters. Nor have they provided a copy of my Note. Well luckily, I now have the Note and HUD rider for my mortgage, I found my original copy in my records. 

So here 's the problem. According to XXXX at the CFPB the Company " Selene Finance " provided the following information about interest rate history. 
XXXX XXXX interest rate is 3.5 % XXXX XXXX interst rate is 2.5 % XXXX XXXX interest rate 3.625 % My NOTE ( see attached documentation ) says that the interest rate can NEVER increase or decrease more than 1 ( ONE ) percentage point per change period. Which was actually in XX/XX/XXXX, not XX/XX/XXXX. 

So for example XX/XX/XXXX is 2.5 % and XX/XX/XXXX is 3.625 % 3.625 % - 2.5 % =1.125 % So the current interest rate is 1.125 % higher than allowed per my NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
As of XX/XX/18, monthly statements which indicate interest charged are not available online. The interest rate and balance are shown, but in order to find out how much interest is being charged monthly, you have to call Navient. This seems like a deliberate attempt by Navient to withhold information from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: C&F MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I initially applied for a mortgage on XX/XX/2018. I provided all of the needed paperwork ( pay stubs, checking account statements, etc. ) only to be asked for the very same paperwork every two weeks. The mortgage company then asked for additional paperwork ( including the same as previously asked for ) such as where I was getting the down payment. Then she said ( XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX ) that she forgot what type of loan I was applying for : conventional or FHA. She said the information was required due to the recent housing loan problems. I think that she and the real estate agent I was originally working with colluded to delay the closing on this house again and again ( they are best friends ). This is a vindictive and petty act of vengeance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
ACS folded and formed into a new company XXXX. I have no way to contact said company because all correspondence by phone or email require an account number that I don't have. I have tried calling several times and received no help. How am I supposed to pay a loan when according to the website I have no account with them or my Social Security does not register with them?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Problem with XXXX, XXXX, and Trans Union. There is a credit account with XXXX XXXX with Account Number XXXX. This Account says 'closed by credit grantor. ' I sent a dispute letter and two other letters disputing their actions. This account can not be mine because an account I had was resolved ( years ago. I do not evidence ) because fraud was detected. The company allowed someone else to use my card and the account was closed. I never had a card with {$3300.00} at any time. My complaint with the three agencies is ; they refused to give or produce information that was submit that made them place a negative mark on my credit report. In other words, XXXX gave the three companies information/documentation in which they believed this to be my account and the information give was true as to the account amount owed. They need to show that information or delete the false information. If, the company ( XXXX ) does not want to deal with this false information, why is the three agencies dealing with false information. At this point I am only asking for a deletion. This negative effect and affect needs to stop.

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 2018-04-24
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity theft, I had 39 applications in XXXX and XXXX from Synchrony Bank for store retail cards, credit cards, balance transfer credit card, gas credit card, I followed the list from FTC for victims of identity theft and I filled 2 police reports in XXXX for identity theft with the local police department, 1 report for stalking, 1 report for harassment by phone, 4 identity theft reports with FTC for every time the cards were used and a billing statement would appear in my mail box. 
It became worst when the identity theft escalated to mail theft, most cards applied for and issued by Synchrony Bank were either forwarded to a clandestine address and never received or stolen on the mail without a trace. When contacting the bank in XX/XX/XXXX I was assured that every account would be closed and removed from my credit without hurting my credit score. 
48 hours later I called to follow up on XX/XX/XXXX and the Synchrony Bank associate had no history of my phone call, I took 28 phone calls to every department store working with Synchrony Bank to receive a letter in the mail from their fraud department to fill it up the fraud forms and provide the police reports. My credit went from XXXX credit score to XXXX and still dropping, a year has passed and every month an account from Synchrony Bank shows up in my credit report and a letter from the bank stating that I am benefiting from an account that I don't even have the credit card. 
In XX/XX/XXXX I was robbed in my office/work at XXXX XXXX XXXX, at XXXX, MD, whereas my driver 's license, my paycheck, my cash, my house keys all were stolen from my desk but I took the necessary measurement at the time and filled a police report at the scene. 
I am a victim of a crime, I even involved the State Attorney of Illinois which she provided a letter stating that no reporting to the credit report should be allowed under Federal Law resulted from a crime investigated by its office.

Just to resume : 5 police reports, letter from FTC for Identity Theft, letter from the State Attorney of Illinois for Victim of Crime ; It is not only illegal to collect the theft but the points lost every month of XXXX points for an account pass due or maxed out that I have no ownership of the shopping spree.

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 2018-12-31
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX XXXX to cancel my policy as I had XXXX. He never picked up and his voicemail was always full. I called the headquarters who advised only my agent could cancel. A week later i called and my case was expedited. I was assured they would reach out to agent to cancel. The agent cancelled my policy effective XX/XX/2015. Mind you, I'd had XXXX a whole month. I had to suspend payment with XXXX to make sure they could not withdraw funds from my account. 
I got a letter from Credit Collection Services trying to collect on a debt of {$110.00} from XXXX. I have requested a debt verification with dates and how a balance of {$110.00} was incurred. I have yet to hear back from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
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 information incorrect

Complaint:
I recently disputed an item on my Experian credit report and the results came back as being accurate. XXXX/Univ of XXXX has an item on my report stating that {$1100.00} has been charged off. The issue that I have with this reporting is that the report reflects a balance of {$1100.00}. If this amount have been charged off, this should not be reflected as a balance on my report. Its listed as the original balance which is correct. Listing it as a balance while also indicating that is charged off is inaccurate. I am once again requesting that this account is deleted from my report as I have given Experian the opportunity to update this account, however they responded informing me that this account was accurate.

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 2018-12-31
Company: EQUIFAX, 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:
XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Central States Recovery, Inc.
State: KS
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:
I HAVE TRIED TO FIX THIS PROBLEM SEVERAL TIMES WITH THE DEBT COLLECTOR THE COLLECTION WAS REMOVED FROM XXXX AND XXXX THE CONSUMER SHOWS THE ACCOUNT IS CURRENTLY OPEN AND ON THE CLOSED INFO THE IS NO INFORMATION AND THEN HAS THE DATE REPORTED AS XXXX ALSO I NEVER ATTENDED XXXX COLLEGE I HAD TO DROP MY CLASSES DUE TO MY TRANSCRIPTS ON HOLD AND I NEVER ATTENDED A DAY OF COLLEGE AT THIS SCHOOL AND THEY DID NOT DROP MY CLASES IN TIME AND STILL CHARGED ME AND SENT ME TO A COLLECTION AGENCY AND REFUSE TO MAKE PAYMENTS AND I NEVER ATTENDED SCHOOL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting. 

XXXX XXXXXXXX XXXX Fraud Account oniapim XXXX XXXX this is not my account I never had a account with this company. 

XXXX & XXXX I have no knowledge of this account XXXX XXXX Bank this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent. 

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as Fraud XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment

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