BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-27
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a notice in the mail from on XXXX/XXXX/2016 from a collection agency. When I looked at the statement I noticed that it a medical collection. This is the first notice I receive from the debt collector. The notice did not look correct to me since I have been making payments to the original through my XXXX account. I reached out to the debt collector Credit Management and spoke to a woman by the name of XXXX XXXX. I explained to her my situation and she stated that they do not do research on the account and since they only receive updates every 3 months from the original creditor she could not do anything else for me to ensure my account is correct. She also stated that this had been adversely reported to my credit report and they only way this would get reported correctly is if I set payments with them. This is causing and emotional distress on me. This company and employee have acted unethically.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Contacted IMC credit services via certified mail, receipt, asking about a debt that showed up on my credit report. I have no idea what the debt is. It 's been over 30 days and I have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am a part of the Wells Fargo banking scandal. Several years ago I lowered my monthly rate on my XXXX year mortgage. Unbeknownst to me WF added an additional loan and years to my mortgage. What they told me over the phone and the papers they sent for to sign were XXXX different things. Now I am saddled with a XXXX year mortgage and an additional loan. This last fall WF agreed to lower my monthly rate XXXX point, in house. It is now XX/XX/2017 and it still drags on. Their notary did not properly sign the documents they sent me and I was asked to have XXXX RE-NOTARIZED and re-sent to them. Now they have informed me that this paper has been lost and we need to begin the process all over again?? .The incompetence/ dishonesty is breath taking!! I believe that they hope I will go away so WF will not have to give the point reduction. Their attempt to mitigate their nefarious banking practices.

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 2017-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I recently opened XXXX accounts with Capital One, a checking and a savings Account. I opened the checking account with a XXXX check endorsed to me and XXXX in cash. I opened a savings account with a XXXX cash deposit. The XXXX checking deposit was returned to me. My account balances are listed as XXXX and XXXX respectively. I contacted Capital One 360 by phone twice. The first time after a 20 minute hold, I spoked to someone. When I asked why my funds were not available, I was told " This bank is not dealing with you anymore. '' When I asked why, I was told, " I am not discussing these accounts with you. '' The phone call was then rudely and abruptly terminated. A month later, I again called them. After being on hold for 20 minutes again, I opted for the call back option. I never received a call back. In addition, I have faxed them 4 times, and have received no response. I have never received a written explanation or any explanation whatsoever as to why I can not access my funds. If they have closed the accounts, I want my money back. I am a XXXX veteran and XXXX tied up in accounts I can not access is a big deal. I would like my money returned to me. This has been going on since XX/XX/XXXX. I am extremely unhappy about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
Capital One bank took money out of my account through an ACH transaction on XXXX XXXX. The Ach Trace Number is XXXX. My credit union states it was from an online transaction. I have been behind on my account and it was closed after my son got XXXX last year. I am paying them {$50.00} a month but they took out {$1000.00}. My mortgage payment. I searched the web and this seems to be a practice that they do a lot. I have not made a payment to them through the account they took the money from for quite some time. I ca n't believe they would have the ability to just take money as they see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: GA
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:
I spoke with the supervisor of Equifax, her name is XXXX, in regards to having multiple accounts removed. As a natural person, who is federally protected I did not give this consumer reporting agency written permission to furnish any accounts on my consumer report according to 15 USC 1681 ( a ) ( 4 ). It is an invasion of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Also, according to 15 USC 1681a ( e ) factual information shall not be included on a consumer 's credit record. This consumer reporting agency is in violation of three federal laws. I demanded her to remove the accounts referencing federal laws as a protected consumer exercising my rights. 

I have recently requested the accounts to be removed with them before. As shown in the attachment Equifax removed one of the accounts. I am demanding for the rest to be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: CCS Financial Services, Inc.
State: TX
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:
XXXX XXXX in XXXX collecting a debt that 's not owed in XXXX as stated by XXXX Insurance Agent XXXX XXXX in XXXX XXXX Auto policy on XX/XX/XXXX XXXX XXXX Policy # XXXX effective XX/XX/XXXX. 

XXXX auto policy # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Policy effective XX/XX/XXXX in which l was still in living in XXXX. 
I moved to XXXX XXXX from XXXX on XX/XX/XXXX and l stayed at XXXX XXXX hotel in XXXX, XXXX until l purchased my new home at XXXX XXXX XXXX XXXX XXXX XXXX. I closed escrow on XXXX XXXX. 
XXXX XXXX insurance debt was carried over to XXXX XXXX XXXX. In which by law you can do that. 
XXXX XXXX in XXXX and XXXX XXXX XXXX are in Federal Violations. 
XXXX XXXX in XXXX are collecting debt through my mortgage company escrow XXXX XXXX XXXX XXXX in XXXX, XXXX since XXXX XXXX they also collecting through a collection company in XXXX XXXX . 
I am been Discriminated and Retaliated because of my XXXX XXXX XXXX and Military Veteran status and on XXXX XXXX Lifetime and l am Retired. 
l am taking prescribed medications for XXXX, XXXX, XXXX, XXXX, XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: PA
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 think my information may have been impacted by a data breach and got into the hands of the wrong person. I did not authorized any of these. I have filed identity theft reports and will enclose them in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Equifax credit report is inaccurately reporting the following account : XXXXXXXX XXXX Account # XXXX Nothing about this account matches any records that I have. I have disputed this account with Equifax several times in which they should have on record. The dispute clearly outlined what " verification '' means and how it should be provided. Equifax ignored all request to reasonably verify this account as requested. Each time my dispute was answered with an automated E-Oscar response, " verified as accurate '' or " updated ''. What information was being updated? Was this verified, updated and reviewed reasonably by a human representative? I then followed up with a detailed request for their method of verification in which they responded to with an automated E-Oscar response as well. This is a blatant violation of the FCRA. It is also negligent and certainly defamation of character having this inaccurate item on file and blatantly refusing to handle the dispute request as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Purchased new Nissan in 2013 setup due date thru dealership for mid month. 1st and only statement every mailed to me showed due XXXX of each month.made monthly pymts per this statement on bank auto pay, setting up online acct this morning and finding out for 1st time that I have been charged ) ate fees for 2yrs for paying late, but did not report because acct still considered current, Never called or contacted in anyway to advise me of this, even when I called for help setting up acct online Rep. Did not even say anything about this only found out once I could log into acct. Was told just pay at end of contract. After some time on phone did get XXXX dollars waived but feel should not have to pay any of these fees because I was Never told about this or sent statement. Nissan first said statement mailed to bank because on auto pay? Not sure why because my bank would have mailed them a ck in my name never requested paperless did n't even know acct # this is why I called when setting up acct, if I had not been setting up online in 3 more yrs loan would never pay off because I would continue being charge fees for late pymt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have been trying since XX/XX/XXXX to get a proper mortgage release for the mortgage that was paid in full in XXXX of 2021. The mortgage was originally with XXXX XXXX XXXX XXXXXXXX XXXX as nominee, then assigned to XXXX XXXX XXXX as Trustee... XXXX XXXX XXXX. 

This mortgage was attempted to be released by XXXX  as nominee for XXXX XXXX XXXX and XXXXXXXX XXXX needs to release this pronto. 

This has been holding up financing for over 2  months, XXXX XXXX is blaming XXXX XXXX XXXX XXXX XXXX  who is not the record owner of this mortgage, NOR do they have a Power of Attorney filed for XXXX to sign for XXXX XXXX, in XXXX XXXX Ohio Records. 

The Satisfaction/Release of Mortgage must come from '' XXXX XXXX XXXX XXXX XXXX relating to Home Equity Mortgage XXXX XXXX XXXX, Home Equity Pass-Through Certificates, Series XXXX " We sent the recorded document chain when we sent the corrected release request. 

Attached is a copy of the recorded documents as well as numerous email attempts to obtain a correct release from XXXX XXXX XXXX  XXXX Department XXXX ; XXXX with no release sent.

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 2017-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
In my XXXX communication with Kohl 's I had requested a lower APR and their response was i could n't get one based on their terms. Their terms do allow for a lower rate. In my XXXX communication I tried to confirm their ability to offer a lower rate and was told I did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Byrider Franchising, LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I would like to report CNAC, dba car now aacceptance company for harassment. I am fully aware that I am behind in my payments, but I have repeatedly asked them not to contact me at my place of employment in writing. They have ignored this request. I as well as family members have asked them not to contact us anymore and take the necessary measures to collect on debt, yet they continue to harass. Please let people know that they should not do business with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
The now defunct GreenTree Mortgage Servicing, in addition to having wronged us in all ways you made judgements against them in XXXX 2015 ( which we did not know about until today ) continues to report our old mortgage as delinquent and unsettled to the credit bureaus, two years after the sale of our home and AFTER sending us our PAID IN FULL stamped documents. We made 12 years of on time in full payments to them and I ca n't get anyone at Ditech, who bought them, to help us. We just want it off the credit reports. It 's our only black mark and its trashing our scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX ( XXXX XXXX  ) Experian sent report that dispute has been solved. I disagree because of the missing and incorrect information in the Experian Report dated XX/XX/XXXX used to solve the dispute. 
On XX/XX/XXXX report XXXX, XXXX, and XXXX are missing. 

XX/XX/XXXX was the first date of delinquency ( 30 days late according to Experian Report dated XX/XX/XXXX. 
XXXX XXXX ( late 30 days XXXX XXXX ( late 60 days ), XXXX XXXX 60 days and XX/XX/XXXX late 120 days Report dated XXXX is incorrect. 

XXXX XXXX Should have been removed XX/XX/XXXX The first date of delinquency ws XX/XX/XXXX. XXXX XXXX and XXXX account was late 30, 60, and 60 days. 


I am requesting that the ccounts be removed from my report because of account age

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 2021-10-06
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: Was not notified of investigation status or results

Complaint:
equifax and XXXX is furnishing creditor : XXXX a balance of XXXX shows derogatory marks when i have already resolved this with " XXXX XXXX XXXX  '' the problem came when they furnished the same derogatory marks twice in essence they had the same bill twice and it totaled XXXX now sinc they only took one off its still reporting incorrectly i also have proof from XXXX XXXX XXXX aka XXXX look at the attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Commonwealth Financial could not verify original creditor or account number, I have not received anything from this company in writing informing me of the debt collection, and debt is on my credit report XXXX times, for the third time. This debt which I noticed on my credit report a long time ago just fell off of my report for the second time in XX/XX/XXXX. The debt showed up again on XX/XX/XXXX and was reported XXXX times on my report instead of just once. This company is falsifying dates so that they XXXX continue to collect on a debt that is void due to statute of limitations. They are now claiming that the date of service was on XX/XX/XXXX. I called every hospital in my area with XXXX to try and verify the date and none of them had anything with that date or anything close to it. That date is also my mother 's birthday and I know for a fact that I have never been to the emergency room on her birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Payoff process

Complaint:
I pay off my credit card bill every two weeks when I get paid to help improve my credit and make sure that I do n't fall behind in debt that I can not afford. Capital one placed a hold on my available funds for a week because I made more than one payment in a month. They said it was out of protection for me, however, I believe they are abusing their power and punishing me for paying off my bill before interest charges could accrue and compound.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
LL Bean Mastercard under Citibank mailed me a promotion if I use my LL Bean Mastercard and pay with it for a utility gas electric cable etc I would earn {$25.00} rewards which they call bean buck XXXX bonus. After 3 months I haven't received one reward. Just get the run around 2 to 3 billing cycles system isn't reckoning cable as utility. Looking to get my bonus rewards as advertised.

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 2021-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
2 months ago today, I sent letters to the credit bureaus ( attached in this complaint ) regarding inaccurate things I have on my credit report. Up until now, I havent got any action & respond from them, I can still see those inaccurate things on my credit report. They didnt make any action for my complaint. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
The financial institution XXXX is reportinXXXX a inquiry on my personal credit. I never have done business with this bank, nor do I have any accounts or applied for financial business with them. I have called them multiple times to delete the inquiry with no cooperation. This activity and inquiry is illegal and fraudulent. Please investigate.

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 2021-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
USAA Federal Savings Bank issued a XXXX from to me, but upon checking my credit score, I saw that USAA did not delete debt. It is still showing the amount and it is still open. Please help me resolving this matter because USAA is not helping me and they are rude. I tired to explain to them to take it out on my credit report but they always hang up the phone on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief