BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-06
Company: FORD MOTOR CREDIT CO.
State: ID
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XX/XX/XXXX I had a XX/XX/XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost XXXX years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a XXXX mother currently going through a XXXX. The debt is registered in the state of XXXX and I have lived in XXXX for the past XXXX years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice XXXX days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( XXXX XXXX XXXX Attorney at Law in XXXX, CA ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the XXXX and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: WA
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:
For the last  five ye ars we ( myself and another person in my household ) have been unable to get Equifax  '' s free cr edit report online. We have never had such a problem with the o ther  XXXX  credi t agencies. My notes from  two ye ars ago indicate that when I called Equifax about the problem the person I spoke with was able to fix something so I could access it and print it out. Last year I called and was told to log onto my Equifax account, access the tabs on the left and access it that way. It worked last year.     In  XXXX  of this year I again could not get the info online ( the last screens states they can not provide it online and that I need to request it by mail ) so I called them and was told that they could only provide it by mail. The solutions that worked t he prior two years would not work - even though I was able to access my online Equifax personal   account! Equifax then took my info over the phone and I received the free report in the mail about 10 days later.     I called Equifax again a few minutes ago and was tol d two stories : 1st : To get it online I would need to pay a fee. I responded that their screen said nothing about  such and the other agencies provide it online for free. I asked "  XXXX  '' to verify her response with someone else.      2nd :  When she came back on the phone "  XXXX  '' said that they thought the problem is with  XXXX  and not them ; hence, they ca n't help me. I advised her that the site works fine with the other credit agencies so the problem must lie with them. I could get no satisfactory reason for the problem. I told her I would file a formal complaint with you.     I would like to get this resolved so we can get future Equifax reports online rather than risk their being lost in t he US Mail.  Your help will be appreciated.      XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
Pursuant to 15 USC 1681g, Transunion shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. However, upon attempting to retrieve my consumer report on XX/XX/2022, I could not retrieve my consumer report form the Transunion website. Then again on XX/XX/XXXX and XXXX of XXXX, I could not retrieve my consumer report.

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 2022-10-03
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received an email from  studentloans.gov. o n   XXXX   XXXX    2017 advi sing as follows ; Excerpts from email below ; " Dear  XXXX ,  The  Department of Education has approved your claim for forgiveness of your federal student loans under the borrower defense to repayment rule  , 34 C.F.R.
685.206 ( c ). "   ... ...     " The Department will notify your loan servicer of the approved forgiveness, and the forgiveness should be completed within the ne xt 60-120 days. Your servicer will send you more details about the forgiveness, including which l  oans have been forgiven. '' The period " 60-120  days '' has passed and I have yet to hear from Navient - the servicer. I contacted Navient  XXXX   XXXX ,    2017 and s poke with a representative and they had no information regarding the email I received. I had called the the phone number -  XXXX  - given the email and confirmed that the email was legitimate. I also sent a copy of said email to  FSAoperations@ed.gov  for further action or clarification and received an acknowledgement of receipt and nothing further so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i submitted a complaint and my Case number : XXXX. Today I received another letter from Legal Recovery law Offices and this time the plaintiff is XXXX XXXX XXXX , XXXX. 

I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the Legal Recovery Law offices numerous times. 

I just want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was living in XXXX, Nevada in 2016 and signed an apartment lease for XXXX month. After about XXXX month, I wanted to terminate the lease due to the scorpion infestation of the dwelling. Prior to me initiating lease termination, the apartment company send a pest control service to treat for scorpions but it did not help. Terms of the contract allow early lease termination due to the un-resolvable issues with the dwelling that cause significant hardship and threats to health. The apartment company still told me that I had to pay early termination fee and now they turned over the collection on the fee to the collection company that tries to collect much larger amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Around XXXX/XXXX/XXXX I received an unsolicited call from XXXX XXXX, ( of Quicken Loans ) wanting to discuss refinancing my loan. He asked for permission to run my credit report I DID NOT GIVE HIM PERMISSION. I later found out that he ran it anyway. I filed a complaint with the company and wound up speaking to XXXX XXXX. He admitted that I did not give him permission, his defense was I did not tell to not do it. IT IS ALSO IMPORTANT TO KNOW THAT QUICKEN LOANS REFUSES TO GIVE ME A COPY OF THIS RECORDED CONVERSATION. I think it is obvious that the only reason they would n't provide a copy is that it would prove they lied. In an attempt to make this go away, I offered to not file a complaint if Quicken would refinance my loan with no cost to me. ( I had paid Quicken over {$5000.00} in closing cost on this loan in XXXX XXXX. On XXXX/XXXX/XXXX Quicken made an offer to refinance for {$7300.00} in closing costs which completely ignores my request. I started working with XXXX ( XXXX ) XXXX. She has demonstrated she has no desire to right this wrong. She told me to work with XXXX XXXX. He called and left a voice mail message, promising to call me the next day. HE DID NOT CALL AS PROMISED. When I complained to XXXX XXXX about the broken promise she had XXXX XXXX finally call me. After offering to PAY DOWN THE LOAN BEFORE REFINANCING ( remember they have the loan ) his offer was one with {$11000.00} OF CLOSING COST. 
I CAN BE REACHED AT XXXX. 
This is a serious complaint and I hope you will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My father is a XXXX year old XXXX man. Who has a fourth grade education and grew up in rural South Carolina. Why am I telling you all this? Because I just found out that he has a mortgage for XXXX dollars, at ten percent interest. His payments are over XXXX dollars a month. He is on a fixed income, and recently fallen behind in his mortgage. I think the interest rate is highway robbery, and I think he was beguiled into refinance his house that he has been in since 1977.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
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:
please remove these unathorized/ fraudulent credit inquires XXXX XXXX-XXXX XX/XX/XXXX XXXX, XXXX XXXX-XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I, XXXX XXXX am submitting a complaint regarding my mortgage involving Select Portfolio Servicing , Inc due to breach/violation in my mortgage modification contact I signed in XXXX with XXXX XXXX XXXX, Attn : XXXX, FL XXXX on XXXX/XXXX/XXXX ( 2 YR contract XXXX - XXXX ) ; In my modification contract states " As of the modication effective date, a buyer or transferee of property will not be permitted, under any circumstances, be assigned to, or assumed by, a buyer of the property. '' This agreement has been violated several times. By Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX, division of XXXX XXXX XXXX XXXX, XXXX ; Also, Select Portfolio Servicing has excessively increase my mortgage interest rate since my mortgage modification contact has been completed. 
I have submitted my complaint twice via USPS on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with delivery confirmation # XXXX XXXX XXXX XXXX XXXX with approximately XXXX pages of supporting documents that was signed for and delivered XXXX XXXX/XXXX/XXXX XXXX Consumer Financial Protection Bureau at locations : XXXX, Iowa XXXX & XXXX and with the supporting documents. Please search for them. Note I never signed anything ( contract ) with any of these financial institutions but XXXX XXXX XXXX Also, as of XXXX/XXXX/XXXX Select Portfolio Servicing Inc has been trying to force me into signing my home my home over to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed two collection accounts with Portfolio Recovery Associates for several months now. One particular time recently a certified letter was sent and was shown as " attempted delivery '' for what has now been about 5 months. I would like PRA to provide me the contractual agreement between myself and them that says that I am liable for the charges that they claim I owe. I have only been sent print out statements that does not prove that I XXXXXXXX XXXX  XXXX opened any accounts with Portfolio Recovery. Please provide the full audit trail for the information that you have on file to include how the debt occurred, whom the original creditor is, a signed contract between me and the original creditor, the amount that Portfolio Recovery paid for the debt and something showing proof that a contractual agreement exists between the original credit, Portfolio Recovery that makes me liable to pay them. I have also attached a letter that has been sent to Portfolio Recovery 's dispute department and has not been acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a HELOC that matured and was unable to make the balloon Payment. I began working with the bank who approved me for a hardship. I was given terms of the new loan and accepted them. The same day I accosted the new terms the bank sent a letter stating they were also tracking my loan for foreclosure. The date of moving me into foreclosure will occur prior to the workout being complete. The bank states they will charge me legal fees and go forward with the foreclosure even though I completed my application and was approved for the new loan. I can not get there loan modification people to call me back. Are banks allowed to dual track while working through the moss mitigation process?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Nissan Motor Finance continues to report " late '' payments and a balance after the debt was discharged through my husband 's bankruptcy which was discharged XX/XX/18. XXXX. 

This information has been repeatedly disputed via the credit reporting agencies to no avail. 

This reporting is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Trident Asset Management, L.L.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX of 2015, I received a credit alert from my credit monitoring company stating that a collection account was placed on my XXXX credit report. Upon reviewing my credit report the same day, I discovered that Trident Asset Management LLC place a collection account for an unknown debt. This is my first knowledge of the alleged debt. Within a few days I sent a debt validation via the United States Post Office Certified mail to Trident Asset Management LLC informing this company that I was enforcing my rights under the Fair Credit Reporting Act. I received a letter from them, along with my ORGINAL LETTER for validation back with their letter stating that if I dispute their claim ( which I did in my ORGINAL LETTER ) to do so within 30 days. Trident Assets Management LLC has CLEARLY violated the Fair Credit Reporting Act and the Fair Debt Collections Act by ignoring my request for validation and dispute, according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), ( c ) ( 2 ) ( E ), 611 ( a ) 1 ( A ), and Fair Debt Collection Practices Act Section 809. Also, in my letter I clearly stated the laws and there definitions. I received another alert from my credit monitoring on XXXX XXXX, 2015 after requesting validation/disputed, stating that Trident Asset Management has again placed the same alleged collection account on my XXXX report. Trident Management has clearly ignored my request for validation and disputes as well as Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a bank statement letter from HSBC in XXXX, 2020. The statement shows that I have an account with a beginning balance of {$750.00}. I have never opened an account and deposited any money with HSBC. I wondered where the {$750.00} came from, so I called HSBC on XX/XX/2020. 

A lady from HSBC talked with my husband and I and misled us into opening the account. When we asked her who deposited {$750.00} in the account, she said it was credit. We were confused by this statement, and grew suspicious. 

We asked her, " Is there a monthly fee we need to pay to claim the money? '' She said, " Yes, if you open an account and deposit less than {$75000.00}, the bank will charge you a monthly fee of {$50.00}. '' Both of us realized that they were committing fraud and I immediately told her to close my account on the phone and protect the personal information I gave to her, but she said closing the account would come at a cost of {$25.00}. I would appreciate it if the CFPB could support me and help me close this account with HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: ROYAL UNITED MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I decided to re-fi with Lending tree. I was called by Royal United Mortgage and started the loan process. They quoted 3.25 interest rate. They requested the usual info, 2 yrs taxes, XXXX 's, XXXX 's, bank statements and social security info. I took pic 's of all that with my phone and sent it to XXXX XXXX. Over the weeks I would talk to a XXXX also. He would request info I had already sent and I would have to send it again. I was told the appraisal would cost {$390.00}. So I paid it. Then I was told another {$130.00} because it 's a duplex. Paid that too. Then I received a email on some of the paper work and noticed my interest rate was now 3.50. When I called I was told it was n't locked in because they were waiting on the appraisal to come back. I was ready to cancel everything but XXXX XXXX called and gave me the 3.25. He failed to mention that would cost {$4500.00}. I was also told to expect my escrow from XXXX XXXX XXXX to be mailed to me as soon as they were paid off. That did n't happen. XXXX XXXX told me 2 weeks later that they notified Royal united they would deduct the escrow from my mortgage balance. Someone failed to tell me. Even the closer told me to watch for the check. I called XXXX XXXX right after closing and ask for a hard copy of the appraisal for my records. He promised to send it right away. That was 3 weeks ago. A few days after closing XXXX rec 'd a letter from Social security. It seems XXXX XXXX opened up a online account in my name. Why? XXXX XXXX said it was to verify my amount I rec 'd every month. PROOF. I had sent them XXXX items of proof. # 1, awards letter stating what I would be receiving for 2015. # 2 XXXX from S.S. # 3, bank statements # 4 taxes. What more proof was needed. He told XXXX XXXX I gave him permission. THAT DID N'T HAPPEN. I went with their mortgage co. in blind faith. I had never heard of them but they were tied with Lending tree who is well known. They took advantage of that. I am almost XXXX yrs old. I have never had such a nightmare with a mortgage company like Royal united. Now when I call there, they wo n't answer. That 's why I 'm taking this next step.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief