BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: Sequium Asset Solutions, LLC
State: MS
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:
You are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Long story short : My sister initially opened an account for me at Navy Federal XX/XX/XXXX. I was told told that the teller that my sister can depsit my check into her account and she can send it to my account because they said my REAL ID from the USVI was not good enough and that I needed a FL ID. I got my FL ID then they needed to verify my social. I verified my social over 9 times ( SSA-89 form ) and Navy Federal still refuse to give me my deposited stimulus check after they closed my account in XX/XX/XXXX for whatever reason. They told me to come in person to get my money to no avail even after the manager told me that everything will be fixed that time. He even called me to come back to the bank to sign another paper that he forgot to give me to still no success there. I spoke to customer service several times and no help there. I even called the social security administration and they said my file is not flagged and there are no issues and still I'm not able to even get answers as to why I am having such a hard time REopening my account and getting my money back. I am not sure if when my sister opened the account she made an error with my social ( this is my only guess left ) but they would not tell me anything. My name is unique and they can still verify my Identity so why won't they release my funds. Lastly, my account is closed and I unable to access my money, but I still get my bank statements!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was affected my COVID-19 severely and wrote to credit acceptance to request that they remove the late payments off my credit report due to me becoming unemployed. They never responded to me nor wrote me back. While reviewing my credit files I discovered that they just put comments on my report " affected by natural disaster ''. Which doesn't help me all, but yet they still reported my late payments. Then they created a program where they would not report payments to the credit bureaus but yet still reported late payments on my credit file. This company is very deceiving and destroyed my credit. 

Also I contacted the bank recently to voluntary surrender the vehicle they stated they already had a repossession order out for the vehicle almost a month before I called. But stated that it will be reported as a regular repo on my credit. And also failed to contact me in regards to that. 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 2019-06-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The servicer of my loan is Specialized Loan Servicing LLC. I have been trying to get a loan modification from SLS since XX/XX/XXXX. SLS denied our application outright. On XX/XX/XXXX, SLS recorded a Notice of Default. I applied again for a loan modification with updated income information. 
On XX/XX/XXXX, SLS offered me a loan modification at 9.45 % interest with payments of {$2100.00} a month. This is a second loan on top of my first loan, so there is no way I can make these payments. On XX/XX/XXXX, I sent SLS a letter saying the payments they proposed were impossible, but I could make payments of around {$500.00} a month. I have not heard back from them. I am worried they are going to foreclose on my house.

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 2019-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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 is listing I owe kohls when they have been paid, and the XXXX and XXXX accounts are preventing me from obtaining a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TD BANK US HOLDING COMPANY
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 do NOT have a signed contract nor any contract with Target. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08
Company: Diversified Adjustment Service, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
O n  XX/XX/XXXX , I filed  a complaint with the FTC against  XXXX . This issue was supposed to have been resolved.  XXXX  sent me a device return packet and all devices were returned in   XX/XX/XXXX .  On   XX/XX/XXXX ,  I received a collection notice from  Diversified Adjustment Service on   XXXX   XXXX  behalf for {$1200.00}. I canceled the plan with  XXXX  in   XX/XX/XXXX  and  returned the devices so nothing further is owed. FTC  Complaint  ref #  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 2020-02-14
Company: BBVA FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Signed up for Simple bank account Goals account offer on XX/XX/2019 and deposited {$10000.00} in the account. Was supposed to receive {$150.00} bonus in XXXX but did not. Contacted company and they stated the XXXX promo had a XXXX cutoff. 
There was no time listed in their offer and I opened the account online. My XXXX statement shows the account was created on XX/XX/XXXX as required. They had a new promo that started on XX/XX/XXXX that paid {$250.00} which I didn't get because the account was created on XX/XX/XXXX. 
I feel extremely cheated from this bank. They have had my {$10000.00} in their bank for months now. 

Thank you for your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Alliance Credit Services, Inc.
State: CA
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 tried to settle with XXXX XXXX and the company shut down there was a few times I tried to contact the finance company and no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX XXXX account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted. 

And XXXX ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures. 

XXXX, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again. 

What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories. 

Im beyond frustrated with Experian, XXXX, and XXXX. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.

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 2022-08-11
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX I received a copy of my consumer report and recognized some accounts that do not belong to me. I requested the bureaus investigate as well as provide me with any contract bearing my wet ink signature on it. I also filed a FTC Identity theft report. I want these items removed immediately. I did not authorize these accounts I have no knowledge of them. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX These 5 duplicate accounts need to be verified or deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX says that I have an old bill that I/O to them. However, at the time they created the bill, I had a XXXX account which is now paid in full and has been and is paid regularly. They turned it over to a credit agency. I finally was forced to file a police report, and I gave them the number. They will not let it go. They still have it on my credit. I have ask them for proof, but all they sent me is the bill. The care company is pinnacle LLC c/o XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 canceling credit monitoring or identify theft protection service

Complaint:
I went to transunion 's website to get my free credit report and to get informaiton on how to start a dispute. 

During the signup process they request credit card number under the guise of verifying your identity and then without proper notification they signed me up for {$24.00} credit monitoring service. I did not receive any notification or had any indication that I was signing up for anything. 

Afterwards, I signed back in and found a link to cancel, however when you click " Yes cancel '' it loges you out of the site and forwards you to the sign in page. 

Transunion is fraudulently signing up consumers who are attempting to start a dispute or view credit report and then making it as difficult as possible to cancel the service. Since their website is rigged to make it impossible to cancel. 
Once the service is cancelled they still hold on to your {$24.00} until you call them to request a refund or dispute the charge with your bank. 
I'm sure a lot of the consumers will give up and let them keep it. 

Please hold Transunion accountable for this fraud and consumer 's unnecessary waste of time.

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 2022-03-02
Company: EOS Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Originally started with me receiving a change of address form I did not apply for. Then I received a credit card from Bank of America that I did not apply for. Then received a credit card statement from Bank of America for another card that had approximately {$12000.00} charged on it that I did not apply for. Also have received other notifications that credit cards are not being issued because of lack of identifiable information. Notified Bank of America, local law enforcement, postal service and now consumer finance.

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 2019-08-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I discovered all XXXX and Equifax were reporting I filed bankruptcy in 2015 after applying for a car loan. I spoke with XXXX, and the agent check my address and driver license did not match and removed the incorrect information. However Equifax did not remove or properly investigated the issue. Equifax would have discover the information was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Loans in forbearance currently because I was no longer allowed to sign up for income based with my own information. They started requiring my husbands information which he was not ok with. Had to start making regular payments once that was a requirement. Recently had a baby and couldnt afford the higher payments so had to put in forbearance bc no other options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Mid Continent Credit Services, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize.
XXXX XXXX XXXX XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had my loan transferred in XXXX to the new company Rushmorelm, after a year of having them suddenly in XXXX my payments started going up, everytime I've called and spoken with someone they have said that it's my insurance or property taxes that have gone up. Which I have contacted them both and nothing has changed but a few dollars, and they have raised my payments over 50 dollars a month which would not account for any of that. I recently spoke with someone from their company that told me the same thing then looked at my payment history and told me it was my escrow that when they received the loan it was negative which is untrue from the documents he sent me, from what I can tell they added hazard insurance on our account for XXXX a year which raised it even though we have homeowners insurance and an FHA loan which I thought meant everything was included in our mortgage payment and it is fixed. We have never cancelled our insurance so why would they force that upon us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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