BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid Off my Collection of CCS on XX/XX/XXXX They reported a Collection remark still on XX/XX/XXXX also today they re added the collection on XXXX saying I owe the full balance I have pictures and everything

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) Account # : 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

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 2022-05-20
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX/XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX ) Account # : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have submitted numerous issues to Specialized Loan Servicing and continue to have complaints joined together with the same responses and not addressing the problems as they are presented. The situation is serious as SLS is illegally demanding a monthly payment in the name of XXXX XXXX XXXX XXXX XXXX XXXX that has no interest or claim to our home. There is no legal document that supports their claim after numerous repeated requests for documentation. We have been provided an alleged XXXX assignment that is a COUNTERFEIT paper signed by XXXX XXXX XXXX employees without XXXX issuance of a Corporate Resolution granting limited authority as signing agents and without XXXX Corporate Seal. This paper violates XXXX requirements for assignments as described in the XXXX Manual. The agreement is not the one signed at closing, You refuse and ignore any effort to allow us to personally view the " ORIGINAL '' agreement you say is kept by the custodian that you repeatedly refuse to identify. XXXX does not have any right to be paid money they have no claim to and you have no right to demand payment for them. The only alleged document that has been provided is a counterfeit paper that was produced to illegally assign interest seven years after the trust has been closed, such a desperate attempt to take my home after the mistaken identity that I filed bankruptcy and I did not. We want to see the " ORIGINAL '' note! what are you hiding?

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 2015-12-15
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This debt should of been charged off as me being medically indigent and having no medical insurance. An inability to pay. It never should of landed in a collections. As I never received any bills for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: WELLS FARGO & COMPANY
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: Report provided to employer without your written authorization

Complaint:
In accordance to the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have to be right of privacy.

15 USC 1681 Section 604 A section 2i it also states a CondumeT reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A Creditor a payment On a credit card account under a open end consumer Credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Account status incorrect

Complaint:
I have already made several attempts to repair inaccurate information that is negatively worsening my credit but have received no response to my request that it be REMOVED THE FOLLOWING ACCOUNTS ARE IN COLLECTION BUT APPEAR OPEN AND EQUIFAX, XXXX AND XXXX ARE SUPPOSED TO REPORT INFORMATION CORRECTLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX In addition to the accounts I have already mentioned, I have many more errors in other accounts, which you will find in the letters that are attached to this complaint. 
I want my report to be carefully reviewed so that the accounts that are being reported incorrectly are eliminated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have no idea where these credit inquires come from, I have written the 3 major credit bureaus twice to dispute these inquires, I did not give anyone from these companies permission to run my credit, I don't know how they obtained my personal information but i don't know any of these companies. I have asked XXXX, XXXX, and Transunion twice to remove these inquires because I have no idea where they came from

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 2015-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had my bank account since I was in high school. At the time of opening the account with Bank of America there was no need to order checks as there was a limited amount of transaction being conducted. 
I now found myself in need of checks as I was asked to pay my rent and deposit using that form of payment. I went into the Bank of America branch in XXXX, Ca and asked to order checks and to get a couple temporary checks so I could pay my new landlord. I was told by the teller that new checks are only issued for new accounts and they would be happy to sell me a cashiers check for {$10.00}. I was told that no exception would be made even though I have never had checks before. I feel that this practice is unfair. The bank clearly has the ability to issue a temp. check they just refused to do so in order to charge me XXXX for a cashiers check. Bank of America is holding my money hostage unless I was willing to pay a fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX I have the right to demand and see the contract between XXXX XXXX  and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: DISCOVER BANK
State: AL
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 enrolled in the Covid-relief program with my credit card provider Discover and the program ended, I was not fully back at work and would like my payments not reflecting late or delinquent on my credit report based on the The Recovery plan. I would like my credit report to reflect that I was on the covid relief program with this company. I called to ask them for a goodwill gesture to remove the negative reporting due to Covid and not being able to work they denied the gesture and letter stating the information reported is not invalid, I do understand that I am asking the account if not removed show up on my credit report as late due to covid. I am in the market of XXXX XXXX  and it is important for me to have good credit to obtain loans to work to pay bills. I do not understand why this creditors refused to report my credit under the recovery act as late due to Covid Pandemic. I ask that this account be removed as late and under the American Rescue Plan Act. Discover is billion- dollar company that I would hope honors their clients who have suffered so much loss during the pandemic but they would not help me and I need the help to continue working.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: GreenSky, LLC
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I obtained a Home Depot Project Loan card through XXXX Financial in XX/XX/2016. The loan was interest only for XXXX months, then balance would convert to a fixed payment for XXXX months at XXXX %. The XXXX month 's invoice dated XX/XX/2016 showed that I owed {$130.00}. After the promotion expiration date of XX/XX/2016, I received a " XXXX of Account at XXXX '' showing that my principle balance was {$20000.00} and finance charges of {$130.00}. Copied verbatum from this statement " The new monthly payment was calculated as follows : XXXX of {$20000.00} amortized over XXXX months at XXXX % : {$320.00}. XXXX of {$130.00} divided by XXXX payments : {$1.00}. New Monthly Payment : {$320.00} ''. Statement dated XX/XX/2016 states that my new monthly payment is {$320.00} with a due date of XX/XX/2016. I received a call on XX/XX/2016 stating that I was XXXX days late for not making the {$130.00} interest charge from the XX/XX/2016 statement. I feel that I did n't owe the {$130.00} because it was added into my loan. I was told by XXXX, supervisor, that the {$130.00} was still owed whether it was or was n't added into the loan. I then was transferred to XXXX in the complaint department. He told me that the {$130.00} that was owed was n't interest, but a " conversion fee. '' I repeatedly read the " XXXX of Account at XXXX '' to both XXXX that stated the {$130.00} was divided by 84 months. XXXX told me at it did n't say " divided ''. XXXX stated " After you received this statement, the {$130.00} was waivered. The statement was sent in error. '' I never received a corrected statement. I feel like I 'm being charged {$130.00} twice. Either I owed it from the XX/XX/2016 statement or it was added to the monthly payment. NOT BOTH After about XXXX minutes of this nonsense, I asked what the payoff would be. The answer was {$21000.00}, which is {$140.00} more than the principle balance of {$20000.00} and interest of {$130.00}. I told him that I would be paying it off in full on XX/XX/2016, but did n't have the money to pay the {$130.00} before it was XXXX days late and reported on my credit report. I asked him if he would n't report to the credit bureau and I was told that it was federal law that I be reported. I had to borrow the money to make the payment to keep the late payment of my otherwise clean credit. XXXX told me that he did n't need to see my statement because every loan was done the same. This raises a red flag. Is everyone being charged the last month 's interest twice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am reporting a fraudulent account open in my behalf. Under the company XXXX the account was send to collections. Not only I never had any knowledge of this account but I see. The account for the first time in my credit report after it affected my credit tremendously. I made several attempts to dispute the issue. Explain to them that fraud was made using my information. They decline the dispute because they have documents that prove it wasnt fraud I would like to get a hold of those documents because one I never open a XXXX line I dont even own one myself. Someone open 2 different accounts under my name around the same time one for XXXX and XXXX for XXXX XXXX XXXX Wich they already handle that. But the XXXX account they refuse to close this fraudulent. I cant pay for something. I wasnt responsible for. Its unfair I have been laid off work since pandemic started let alone im gon na open a phone line. Absolutely not!!! This is effecting my credit line tremendously. I would like for a fair approach because I didnt open this I been a victim of fraud from 2 different companies just days apart. Please help me thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
The creditor XXXX was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/2022 After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today XXXX has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXXXXXX 
violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. 
Account # XXXX {$140.00} {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: National Credit Adjusters, LLC
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: Investigation took more than 30 days

Complaint:
The creditor NCA was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/ After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today NCA has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXX/XXXX. 
violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. 
Account # XXXX {$140.00} {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: NY
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 XXXX account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX NEW YORK docket # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX account DEPT OF ED/ XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX account XXXX XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX NEW YORK docket # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX account DEPT OF ED/ XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-08-14
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
We received a joint car loan from Regional Acceptance in XXXX for a XXXX XXXX XXXX. The amount financed was under XXXX and the monthly payment was {$440.00}. After years of making late payments and incurring fees and penalties, the payoff in XX/XX/XXXX is still over XXXX! We did not know that the loan terms from Regional Acceptance were predatory in nature because we were not told that the penalty for making a late payment was that most of the payment does not get applied to the loan balance. Allocating a small portion of a full payment to a car loan in order to collect more late fees and interest is criminal. At this point, we will be paying on the XXXX for several more years to payoff the XXXX balance. We have already paid over XXXX for this vehicle and it only has a market value of XXXX. How can a company make thousands of dollars off of a customer just because they made late payments? This is predatory and criminal.

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 2015-06-11
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended XXXX XXXX College in XXXX, New Hampshire. My sophomore, junior, and senior year I handled my financial aid without the help of my parents. I was a good student. I got a scholarship, I was a XXXX, and was named XXXX team for maintaining the highest GPA on the team for two years straight. During the three years in which I handled my own financial aid I was advised by XXXX XXXX XXXX 's financial aid office to go to XXXX and to take out Signature Student Loans in order to cover the remaining costs that I had during the year. It was so easy and I had no idea what I was getting in to. Before I knew it I was {$100000.00} in debt to XXXX XXXX ( now Navient ) with 9.75 % and 9.25 % interest rates and very little hope for a financial future. Monthly payments have been over {$1000.00}. I work a full-time job, a part-time job, and serve part-time in the XXXX XXXX XXXX ( they offer student loan repayment on federal loans ). I am XXXX years old and am hampered by incredible debt. I 'm not afraid to work, in fact I work all the time just to afford my monthly payments. I am unable to save any money for a house or start a family. I feel like I was misled by my financial aid office and XXXX XXXX. I was XXXX, XXXX, and XXXX years old when I took on this debt. I did not understand the gravity of the decisions I was making. To make matters worse it was so easy! A loan application for {$30000.00} at 9.75 % interest took me XXXX minutes to complete! It did n't even require a co-signer. I am current on all my bills and have never missed a payment, but am getting very frustrated at not making any progress. I 'm concerned about my future and the burden that I put on my future spouse and my family. I 'm not XXXX to run from my problems, but I need help. Navient has recently worked with me in negotiating a lower monthly payment and interest rate for 12 months. I am very grateful for this, however the payments are still nearly {$500.00} a month and only offer a short-term solution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I began meeting with Bank of America 's mortgage loan officer, XXXX XXXX on XXXX XXXX back in XXXX, It has been a constant XXXX calling her and her never returning my calls. She has all my information and the customer service Bank of America gives is absolutely horrible. A common courtesy call saying she can not help me is something I believe you need to teach your customer service. I have also spoken with XXXX the branch manager who promises me I will get a call back but that does not happen. I am very dissatisfied with Bank of America and am sorry they hold my mortgage. I believe XXXX XXXX should realize how these people are representing the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief