BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: DriveTime
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a vehicle XXXX Drive Time that required major repairs within the first week of purchase. I asked to trade the vehicle XXXX Drive Time is not allowing me to trade for a different vehicle despite the transmission and engine blowing on the [ XXXX, XXXX XXXX, VIN # XXXX ] that I purchased through them, and it has placed me in a great financial hardship. 
I attempted twice to trade in the vehicle due to the major repairs required and the inability XXXX XXXX the vehicle ( Since the first week of having it ) My financial situation has changed, and I am no longer able to make the monthly payments, in addition to the costly repairs that I am told are required for this vehicle, just a short time after purchase. One week after purchasing this vehicle, the transmission needed to be replaced. By the time it was fixed, the XXXX days warranty was up but the car continued to stall while driving. While it was being repaired, I had to XXXX myself and my XXXX small children to and from school and work. Additionally, this vehicle has stalled in heavy traffic and on multiple occasions stopped while in traffic, putting the safety of myself and my children at risk. 
I am now told that the engine needs to be replaced on this vehicle and that the parts required to temporarily salvage the engine, are on back order and have been since XX/XX/XXXX. The total cost to temporarily fix it ( with no ability to estimate how long before the engine gives out completely, is {$1200.00} ). The cost to replace the engine is {$7200.00} for parts and labor. The transmission blew in XXXX ( same month of purchase ) the car has not been driveable most of my time having it and now the engine needs to be repaired. 
I understand XXXX Drive time will sell it this vehicle at auction and seek to bill me for the remaining balance. I have sent them certified letter asking to be relieved of any further payments or debt related to this vehicle and will cut my losses on payments received by me XXXX Drive time in the amount of {$2800.00} ( this includes my {$400.00} deposit at purchase ), despite not being able to use the vehicle much during my lease. 
I have not been able to get much use out of this vehicle due to it continuing to stall and stop, since purchasing it ; due to the major repairs required, but still honored my payments of {$220.00} bi-weekly, despite. I am asking to be relieved of any remaining balance or contract between myself ( XXXX XXXX XXXX Drive Time ) for the XXXX XXXX XXXX XXXX # XXXX. 
I am reporting this in the hopes that I will not be penalized for being sold a lemon. 

I can be reached at XXXX or at XXXX if you have any questions or would like to give me further instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have previously disputed with XXXX XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Aside from being a predatory lending company with inflated interested rates. Navient has disabled my account and made it impossible to log back in. I 've called them multiple times trying to resolve this but they refuse to help. I have absolutely no access to my account, I can not pay them, and nobody in customer service can help me. I 've also submitted complaints via email and social media. They also call me day and night, disrupting my work day and upsetting my employer. They call at night when I am sleeping and on Holidays. They are relentless. I can over over XXXX missed calls in 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, 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 reached out via certified mail to the following companies and asked for proof that I gave permission to submit hard inquiries on my credit account and they have either not responded nor removed the inquiries as legally requested, since they were not able to show proof of my request. 

XXXX XXXX XXXX ( XXXX XXXX, XXXX, SC XXXX-XXXX/XXXX  XXXX XXXX, XXXX, GA XXXX ) XXXX and XXXX XXXX/XXXX  XXXX  ( XXXX XXXX XXXX , XXXX XXXX , CA XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) XXXX XXXX  XXXX/XXXX  ( XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX XXXX ( XXXX XXXX  XXXX, XXXX, TX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX Also, the following Bureau 's have been PAID off and the accounts are now closed ( proof of payments available ). I have reached out to the companies and requested that the accounts be removed from my credit reports. They have agreed to remove the negative remarks and accounts from my credit report however they are still showing. 

XXXX XXXX XXXX ( On behalf of XXXX XXXX ) XXXX XXXX XXXX XXXX ( On behalf of XXXX XXXX ) I am kindly asking AGAIN that these items are removed from my credit report, as they are either unrecognized and not proven to be mine or have been paid and legally agreed to be removed and they are still showing on all 3 credit reporting platforms ( Equifax, XXXX, and XXXX  ). 

Please Please Please Remove. 

XXXX XXXX ( SS # XXXX ) XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mortgage with bank of america was first reported delinquent  XXXX . It was charged off my credit report and deleted in  XXXX . Furthermore the mortgage company had filed a release with the recorder of deeds  XXXX / XXXX / XXXX .   This  3rd  party company has recently sent information regarding the old debt with out the original creditors information listed.     I feel this debt is not mine because they have no legally binding contract with my signature agreeing to the remaining 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 2016-10-11
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i sent a debt validation to united recovery corp in XXXX, they never responded with verifiable proof and documentation that im suppose to pay, its XXXX now and they still reporting on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 discovered fraudulent charges on my credit card while they were pending around XX/XX/XXXX & informed Capital One. They said they could not help me until the charges were posted. The charges went from 1 item/transaction/purchase to 3. I called a few more times ; they said they still couldn't help me until the charges were posted ; I called again after the were posted. I've called them now around 10 times & it's a nightmare ; no one answers in the fraud department ; average wait times can be over 30 minutes during normal business hours & often, you get someone that can not speak XXXX understandably. You try calling their fraud department, XXXX. Often, they do not connect you to the fraud department & you have to find that out after speaking with someone & giving your information, only to be transferred to the fraud department. You can not contact the company through their web site, after logging into your account. I am coming up on two months of dealing with this stupidity & the company is offer close to zero help. Can you please help me resolve this matter? thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC is claiming that I owe them [ {$610.00} ] but I didn't recognize this debt, I do not recall signing any contract to do business with this said company. I suspect Fraud. I have disputed this debt with the credit bureaus, it was once removed but then reappeared on my credit report. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I have totally depleted our financial resources and can no longer make our house payments. We are in our mid XXXX, I am retired, he needs to. We did some amateur research and decided to investigate possibility of " Deed in Lieu of Foreclosure ''. Our house payments have been going to Bank Of America so that was our first call on XXXX XXXX, 2017. We endured XXXX transfers to differing individuals, all of whom wanted to talk about re-finance options. Since we can not even afford utilities we can not stay in this house. We explained that to each person and each responded with " I can not help you with that. May I transfer you to ____ who can give you that info? '' The third person was more determined to sell us on refinance but finally got the message and said we needed to talk to our Investor about that as BOA is just the debt collector. She then told us she could not tell us who the investor is by phone, fax, email, but only by post mail. The total time spent on that phone call was 35mins. Ten days later, we received that information, by which time we had already missed 2nd mortgage payment. 
Yesterday ( XXXX ) when mail came we contacted XXXX XXXX Their immediate response to our story was they could not help us with that, and we needed to talk to bank. HELP! 
We patiently explained all that had transpired by phone and mail, and they finally agreed to Mail us the forms to make application for loan review. Will this process now continue to use up time until we have missed too many payments and foreclosure becomes automatic?

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 2021-07-30
Company: EMCC Holdings, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Atlantic Recovery Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Ive been out of work due to being sick and Ive told the representative numerous times that. He proceeded to keep pushing the issues that payments need to be made and I have knowledge of that. He repeatedly kept cutting me off when we spoke and when I said I couldnt make any payments he the. Said his client would be in my county to take the items back. This was rude and honestly Im appalled at the level of professionalism. 

The collection company name is Atlantic recovery XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
According to Coinbase, on the XXXX of XX/XX/2021 at a transaction that XXXX XXXX  a transaction that I made did not go through, and I owe them a Balance of XXXX GBP. Coinbase states that if this balance is not settled within 5 Working days that this amount will be withdrawn automatically from my account. In the meantime all assets have been frozen. It has now been 6 working days and that amount has not been taken to settle this balance. 

When I first noticed this issue on the XXXX of XXXX I immediately tried to pay the balance off. Although, I have no clue why it was there in the first place. I used my XXXX Wallet on Coinbase, which has a balance of XXXX, so more than enough to settle the score. Coinbase says it is unable to process my payment and to try a different method. I have tried also using my XXXX  Wallet, XXXX Wallet, XXXX  Wallet, and every time Coinbase says it can not accept my payment. I contacted customer support on the XXXX of XXXX explaining the issue, to which they sent me a generic response at XXXX on XXXX XX/XX/2021. I immediately responded stating that they had not properly read my grievance, and sent them screenshots to illustrate the problem. They responded at XXXX stating that my Case ( # : XXXX ) was transfered to a specialist to help with the issue. It is one week later and I have not heard back. I have contacted them on the XXXX, XXXX, and today the XXXX of XXXX to no response via email. 
In between the XXXX of XXXX and today the XXXX of XXXX, I have gone on to Coinbase multiple times a day to try and make the payment, each time it does not work and gives me the same response " try a different payment method. '' During this period of my assets being frozen, I have been unable to buy or sell my assets, and have missed ample market opportunities.

I've also tried contacting Coinbase Support Team via XXXX today the XXXX of XX/XX/2021, to which they responded stating they have notified a 'Specialist ' to handle my case. 

This is unacceptable, and as far as i'm concerned, market manipulation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XX/XX/2018 XXXX This debt is fraudulent and is in violation of 15 usc 1692g and I do not validate 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 2021-07-05
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/21 I noticed charges on my Citi Rewards Card in the amounts of {$660.00} and {$160.00} ( and some others that I can't see now because they don't show on my online statement ). For some reason, Citi has deleted the original account from my few so when I go to to my account online I can't see them and am therefore unable to provide data on the other charges. These charges all posted from hotels in XXXX, GA.I live in XXXX XXXX and have never booked at these hotels, stayed at these hotels, thought of staying at these hotels, and haven't traveled in a year and half due to Covid. I called Citi immediately about these fraudulent charges as soon as they showed up on my account and they said they would take these charges off my card. The originally gave me a credit of {$250.00} which seems like a random amount. This amount has since been charged back to my account. I asked them to close the account and issue a new card. The new card arrived ( # XXXX XXXX XXXX XXXX ) and these charges continued to show. I called numerous ( numerous!! ) times and kept getting the run around. They then said they'd close the replacement card ending in XXXX and sent me a new card ( # XXXX XXXX XXXX XXXX ). I was then advised during one of my calls to them that they contacted the hotel and came to the conclusion that these were definitely my charges and they then put them back on my card. They kept referring to a letter that they sent me which I never received. When I finally found the letter online ( buried in their website without an alert even though it had a deadline ), it had a copy of the hotel 's receipt which showed the person who used my card was " XXXX XXXX ''. I am XXXX XXXX, I have no children and no relatives by this name. My husband 's name is XXXX XXXX. I have called repeatedly since my account NOW shows that I owe a total of {$910.00} and they refuse to let me speak to anyone helpful in the fraud department. They keep saying they'll take my information and investigate further and I'll receive another letter from them. I am at my wits end. The person I spoke with today actually asked me if I had filed a Police Report. My card was never stolen, was never out of my possession, and I never claimed it was stolen. Why would I file a Police Report? Please help. I want to close this account and never do business with Citi again but I can't do that until this gets resolved. My fear is that they will allow additional charges to be charged to my credit card and hold me responsible.

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 2017-05-20
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Around early  XXXX  I applied for a loan modification and on  XXXX   XXXX ,  2017 ,  Ocwen  sent an inspector to  XXXX   XXXX   XXXX ,  XXXX ,   XXXX    XXXX , which they knew to be occupied by a tenant because I sent and they acknowledged possession of the rental lease for  XXXX   XXXX   XXXX ,  XXXX ,   XXXX    XXXX . They falsely informed the renter that the property is in foreclosure and attempted to change the locks. I called them and their manager "  XXXX , '' without accessing my case file, told me that the tenant and property  manager may  just have misunderstand what the inspector said. Clearly this is an automatic response for such actions.   The tenant is understandably extremely upset and if the loan modification application is not viable, they have deprived me of the opportunity of simply give the tenant ordinary notice. Their callous actions and refusal to accept any responsibility or to state that they will stop their actions show a complete lack of concern for the people affected by this situation. If they are doing this to me, they are doing this to others as well. The home is not even in foreclosure status.  Ocwen  's solution was that I send an inquiry to their research department which I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: CL Holdings LLC
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have called the company Jefferson Capital Systems and when I spoke to them on XXXX/XXXX/XXXX I spoke to XXXX women. I asked the first woman if the reporting could be deleted from my credit report and she advised me that it is the policy of Jefferson Capital Systems LLC to not delete their reporting for any consumer. I asked to speak to someone more senior and the representative told me she is XXXX. I was transferred to a second lady, whom was identified as a supervisor, and I asked if they could remove their reporting due to extenuating circumstances. The supervisor even specified that a " homeless mother of XXXX '' could not have the reporting from this company deleted on her report. I consider their reporting to be harmful to me. It is difficult to get a representative from this company. Often when I call, I will receive an automatic message after holding saying, " Sorry, at this time we can not accept your call. Please try again later. '' This company did not offer or allow me to dispute their reporting and denied my requests to delete their reporting. 
I paid an outstanding bill XX/XX/XXXX to Jefferson Capital Systems LLC to pay a debt being collected for the original owner of the debt XXXX XXXX from XX/XX/XXXX. The matter is closed and was reported paid to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX contacted equifax to correct issue with incorrect info on credit reporting of acct ending in XXXX and equifax refuse to correct issue. they where contacted by XXXX XXXX at XXXX XXXX XXXX. she is a senior executive resolution specialist within the corporate office of XXXX. but the will not correct info

Company response to consumer: Closed with explanation