BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-03
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There are multiple debts form XXXX collection agency listed on my credit report. Equifax is the difficult XXXX. I disputed with XXXX I was not notified of the debts or collection accounts and they removed them. Equifax, even when told the same cause, will not, even when I tell them the collection agency never notified me of these debts and I was not aware of them ( as an option to chose from ) they still keep stating it is my debt and wo n't remove it still. I tell them I should have been notified, nobody is proving if I was or was not notified in any way giving me a chance to review the debts and respond to them before they went to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Got new car lease with XXXX XXXX back in 2016 and then had to take new position and pay cut from SSA survivor benefits also. Couldnt afford payment and got it repossessed after a year. XXXX has resold the car and I am not the owner so why would I pay $ XXXX for it? Thats more than my lease balance was so I reported it and they dropped it to XXXX but are destroying my credit by reporting this as ongoing and monthly missed payments even though its listed as a charge off.

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 2021-03-11
Company: Selene Holdings LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I sold a VA backed property in XX/XX/XXXX, Selene finance has held the money I am due from a mortgage insurance reimbursement since XX/XX/XXXX, according to 12 CFR part 1024 ( Regulation X ) 1024.34 ( b ) Refund of escrow balance ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, XXXX, and XXXX XXXX of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

it has been approx. 65 days. I have contacted the company over 13 times. and still have not received my check. with no solutions, this is a direct violation of the above federal regulation/law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I saw in the news the other day that the CFPB is compiling a list of complaints against banks and presenting the information to Congress. Approx. XXXX years ago I filed a complaint with you regarding the mishandling of my mortgage by Bank of America. The complaint is on file and you requested BofA to respond to my letter. They basically sent a form letter after their " investigation '' and said the matter was closed. They did not indicate what efforts they went thru or if they talked with the employees I quoted in my complaint. There were numerous other similar complaints on google when searched. Basically, BofA worked in bad faith and strong armed my situation. The stories on the internet even stated they paid employees incentives to get mortgages foreclosed. Basically, I was behind due to losing my XXXX because my bank, XXXX XXXX failed and was taken over by the FDIC. I was forced to sell my business in the middle of the banking crises to pay off my business loans. Then while negotiating with BofA they called me to inform me that my mortgage was foreclosed on and I had XXXX days to move out. They offered me {$5000.00} to leave my home in good and clean condition which I did. Then after I moved out they said I did n't qualify for the incentive. So I lost all my equity ( approx. {$250000.00} ), my credit is ruined, housing values fell in the immediate area and so did real estate taxes. All because BofA just wanted to clean up their mess. I believe there are many more people in my situation and are basically helpless against the giant bank. It sure seems like corruption and racketeering on the highest level. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I submitted an application for loan forgiveness to Granite State Management & Resources, who holds my loan, and although I met all the requirements, they denied my request stating that I had another loan in default but I do not. XXXX can attest to the fact that all my loans are in excellent standing and that I am not in default of any loan. I owe approximately {$600.00} for the XXXX XXXX XXXX loan that Granite State Management and Resources holds, and have made payments for over 10 years without fail. I have also worked at a XXXX and am a XXXX ( 13 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Amcap Investments, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
While I was XXXX overseas ( in XXXX ), my lease expired and I had to procure new housing. My mortgage broker told me that I I was approved for a VA loan at 3.375 percent. He asked me to engage my word to go with his company if would get me this rate. I gave my word ( in the military, our word is our bond ). However, he did not get me a VA loan. he instead got me a higher rate loan with PMI. Moreover, by the time his " bait and with '' was evident, it was too late for me to change mortgage brokers. I would lose my house and I would be homeless. I called the mortgage company about this and they did nothing about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: TN
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2022-09-18
Company: EQUIFAX, INC.
State: FL
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out XXXX separate loans through Citizens One Bank in XXXX, XXXX as part of XXXX 's iPhone Upgrade Program. As part of the program I am required to submit banking or credit card information for automatic monthly withdrawals of the payments. I was incorrectly charged twice for my first scheduled monthly payment for XXXX loans on XX/XX/XXXX. I contacted Citizens One immediately to get this corrected and was promised a prompt refund but did not receive one until XX/XX/XXXX. Once the refund was issued my account was immediately and incorrectly labeled as " Past Due ''. I again contacted Citizens One on XX/XX/XXXX and was told that they were having issues with their computer system and my account was not, in fact, past due. I was then charged one payment for each loan on XX/XX/XXXX and XXXX additional loan payments for each loan on XX/XX/XXXX. One of the three XX/XX/XXXX payments for each loan was credited back to me on XX/XX/XXXX which meant that I was still owed a refund on one payment for each of my XXXX loans. I again contacted Citizens One to get this corrected and asked to speak to a supervisor. After close to an hour on the phone I was told that a supervisor would call me back that day. After three days I still did not receive a return call so I contacted Citizens One again. I again explained to the representative what had happened and sat on hold for more than 45 minutes while they attempted to figure out what happened. I was told that a case file was opened and an " XXXX Loan Specialist '' named XXXX ( extension XXXX ) would be contacting me. Days passed with no contact so I called XXXX and left a message. Once again, days passed with no returned call so I called and left another message with XXXX but still could not receive a returned call. After another day or two I called back and finally was able to get XXXX on the phone. We went over everything from day one again and he assured me that my refund would be issued promptly and this would be corrected moving forward. The refund I was owed was sent on XX/XX/XXXX. However, as with the refund that was issued on XX/XX/XXXX, XXXX my loan accounts are now shown incorrectly as being " Past Due '' again. I also received emails on XX/XX/XXXX saying that Citizens One tried unsuccessfully to process another payment for each of my XXXX loans that day when they were not due until XX/XX/XXXX - they were once again attempting to process additional multiple payments. I have again tried to contact XXXX by leaving multiple voicemails and an email but have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2021-03-11
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
All credit reporting agencies have phone numbers reported to you and are on their website that does not work! An automated system gives you slim choices, none of which are to take to a live person, and then it hangs up on you. How about you call the numbers that you have and see where it gets you. Why do these credit reporting companies want you to pay for services when they have to much control of your life and can but burden on you by reporting misinformation and hindering your ability to contact them. Next, how can they report my score correctly when they can't even get my employer correct? My employer is easer to find than my credit card companies. Furthermore, when you file a complaint the company you are filing against should have to show proof of what they are reporting. Lastly, for now, how can the credit reporting agencies have stock? You can not be fair if someone can have control of your company through stock. I would love to know how the government let this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I feel like I am being harassed by my student loan creditors. Shortly after I graduated from XXXX University in 2009 I was called numerous times a day by XXXX XXXX. When I looked at my phone I would have several missed calls and voicemails from persons from different numbers, at all times of the day. They would leave voicemails and disclose unappropriated information, some even making threating remarks if I did not call back. 
When I would attempt to call back, I would get the run-a-round with collectors claiming that I needed to make unreasonable payments of {$300.00} to {$400.00} a month. I would try and negotiate terms but feel helpless as if they were unwilling to work with me to come to some solution. 
I would make payments thinking, " anything is better than nothing " and still receive calls saying my payments were missed or late. This constant annoyance made it very difficult to actively fix my student loan situation. I felt personally targeted by many of the persons calling because they would imply that I was a " bad person '' because I was n't trying to settle my debt which is false. They would call my mother and father and leave voicemails. They have contacted my siblings and other family members after being told by myself and others to please stop. They have called prior places of work and asked personal information from my co-workers. 
The constant harassment I experienced causes me to feel paralyzed with fear due to relentless provocation. I am in the process of going through a 3rd party to try and settle my loans and repay for my college education. Although those calls stopped for a while, they have restarted again and have repeated called me in the same an hour, reached out to my family numerous times and also reached out my employer. Due to the fact I work in a XXXX it is forbidden for me to receive personal calls and Navient, once known as XXXX XXXX, has reached out to them several times. Not only is that embarrassing, phone calls are strictly forbidden and I could lose my job. I need help ... I do n't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a XXXX XXXX on a 3 years lease in XX/XX/XXXX from XXXX  XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX TX. At the time of signing the lease, The Representative named XXXX XXXX pushed us to buy XXXX  ( XXXX XXXX XXXX ) along with the monthly lease payments, adding an additional $ XXXX  monthly into the lease payments. I was already reluctant to purchase the XXXX  so two months later I went back to the dealership and asked them to cancel the XXXX  and adjust my lease payment so I can pay {$27.00} less every month. They told me we can not change the payment plan but you will be able to get this money back at the end of your lease. I asked them for a receipt or document as a proof that I asked to cancel the Protection plan, So they made me sign a paper, when I asked for a copy of that document I signed, they said No, we can not give you a copy, I insisted and they still wouldn't give me a copy. Then I said I am going to take a picture of this document if you don't give me a copy, and I took a picture. I have that picture and I am attaching it to the complain. 
Now the lease ended in XX/XX/XXXX and I went to the dealership and had the vehicle financed in my name. At that time I asked them to help with the refund of that money and the sales person said he will get back with me on that. Later on I called him and texted him, he returned the text saying he can not help me with that and I have to talk to a manager. since after that I tried several times to reach and talk to someone at the dealership to resolve this matter for me and pay the money I have paid monthly along with the lease payments for 3 years. Nobody responds to my messages and phone calls. I still have the picture of that document saved in my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Paid for Credit Monitoring, XXXX, {$19.00} per month, XXXX/XXXX/15 called back XXXX/XXXX/15 at approx XXXX : XXXX to cancel and was told that you could not cancel XXXX, they would charge. They would cancel it effective XXXX XXXX. I explained that I did not have a opportunity to really understand what I had signed up for. Since I had a chance to talk to other and realize I already had similar services, I called back to cancel and they said " TOO BAD ''. I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I cancelled service with XXXX till I returned from a trip and requested it to be reinstated. XXXX was sold to XXXX within in the next few months and filed a claim to enhance their financial books. 
This happened several years ago and XXXX has sent XXXX different collection agencies after me aiming to harm my credit. XXXX is apparently as corrupt and lacks business morals as XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-05
Company: CarFinance Capital LLC, Irvine, CA Branch
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took out a venicle loan in XXXX with Car Finance.XXXX I received monthly statements from them until approximately XXXX, XXXX, at my previous address in XXXX. In XXXX, XXXX, I moved to XXXX and have sent my payment every month since then along with a letter advising of my address change ( see attached letter ). I have also contacted them by phone to advise of the address change several times. To date, I have never received a statement at my new home address. All I am asking for is a monthly invoice to be sent to me, and it seems impossible to get this from Car Finance.XXXX I have delapyed sending my payment in at times as I was hoping to get an actual invoice from them, so I think that any late fees I may have incurred since XXXX XXXX should be refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: CBC Companies, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
There was no report generated, when I requested one. The portal stated that I needed to mail in a copy of my ID, Social Security Card, and proof of address. After doing so, and waiting quite some time, I received a letter. It is one of those that are preformatted. Here, they simply ignored what I was asking for and didn't explain what- if anything - was missing from my request. When a business tells you that you have to write a letter, and you can't call, e-mail, or fax, it is a way of making things harder and letting you know that it IS going to be hard for you to get what you want. At this point, I need a someone to reach out and provide the steps to follow and, when received, confirm that they meet the necessary requirements. This is a consumer-reporting agency, and they are not allowing access in a manner which is clear, concise, and forthcoming. The best way to reach me is via e-mail. This will assure that if I am unavailable when they call, I can reply and follow the necessary steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I owned a home in XXXX XXXX, Nevada which I subsequently lost in foreclosure. The home had XXXX mortgages, XXXX with XXXX XXXX XXXX and a XXXX with Citizens Bank for approximately {$36000.00}. My complaint focuses on Citizens Bank only. I was frequently called because my monthly Citizens payment was n't made or was tardy. I later stopped paying it because I was going through foreclosure. The bank called on one occasion and I told them I was going through foreclosure. I held a Certificate of Deposit of approximately {$13000.00} at Citizens Bank as well as a personal savings account of approximately {$1300.00}. A few days after mentioning to a Citizens Bank caller that I was going through foreclosure, I went to the bank to transact some banking business and discovered that the bank had debited my my entire savings as well as my Certificate of Deposit ; a sum totaling nearly {$15000.00}. I do n't know if the bank had a legal right to TAKE my money as they did. That 's why I 'm filing a complaint. This happened around XX/XX/XXXX/XX/XX/XXXX of 2010. I 'm contacting your agency because I read in the paper a few month ago where your agency forced or fined Citizen Bank several XXXX of dollars because of something they illegally did. This caused me to wonder if what they did to me was also illegal. If it is subsequently discovered that Citizens had a legal right to debit my accounts without my knowledge, I will then accept that and no longer pursue a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Russell W Richardson, Attorney at Law
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company has called family, friends, and acquaintances trying to reach me. I have called back and when I refuse to provide my social security #, they say that I will be arrested at my work before the end of the day. I asked them to send me documentation that I owe them something and they state that they do not have to do that. Again, telling me that if I do n't provide a payment while on the phone, I will go to jail. They have even called family member of my family members who do n't even know me.

Company response to consumer: Closed with explanation