BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX Machols & Johannes LLC was asked to validate the said debt in the amount of {$1000.00} and {$660.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account that has been later found to have a fraudulent signature on them. The head accountant on XXXX signature was on the account information they sent me when my attorney contacted him he had no knowledge of it. Bankers can no longer robo sign documents as the case pending with the DOJ now against several big banks. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: RoundPoint Mortgage Servicing LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am having problems with my escrow account. The county overcharged for property taxes at the beginning of the year and Roundpoint paid the overage. As soon as I found out about the error in XX/XX/XXXX, I got a refund from the county and sent it to the mortgage company, which they added to the escrow account. The amount was the difference from which they would normally pay for my yearly taxes. Roundpoint then increased my payment by approx {$700.00} beginning in XX/XX/XXXX. I filed all the supporting documents and received email confirmation from them on XX/XX/XXXX. I was informed that it would take 30 days to investigate and correct the error. I called on XX/XX/XXXX to find out what the resolution was, and I was told that it was not done and to call back on the XX/XX/XXXX. I called back on the XX/XX/XXXX and was told they were not done and I was to call back the following day. I have called 4 times since then receiving assurances that emails were sent to escalate the case and I was even told that on XX/XX/XXXX that I would be receiving a call back from the supervisor, that never happened. I am constantly told by customer service that there is not a supervisor to talk to and that I have to wait for them to contact me.

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 2020-06-28
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX I ran out of gas on the side of the road. I parked my XXXX XXXX XXXX XXXX XXXX  and walked to the gas station to get gas. Upon returning someone has ran into my van totaling the vehicle. I know longer have possession of the vehicle the person who hit my vehicle insurance company has the vehicle. I contacted Chrysler capital and informed them of what happened to the vehicle and requested a courtesy adjustment to have the vehicle balance off my credit reports as I know longer have access to the vehicle and XXXX XXXX will submit a check for the value of the vehicle. Under the fair credit reporting act companies are required to report accuracy information as I no longer am responsible for the vehicle it should be removed from my credit reports immigration

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I decided to apply for a secured credit card with discover to help my credit score. They accepted my application and took {$500.00} out of my checking acct. i received the card and tried to spend {$25.00} at XXXX, i was denied. I called they told me they blocked my card to verify my information. I asked why didnt they do that before taking my money. But fine. I filled out the irs form they sent me. I received an email a week later saying they couldnt verify my personal information and they closed the acct. what did i do wrong? Why didnt they verify all of my info before taking money to secure my account? Now this is about to show up on my credit report as an inquiry and a closed account by discover. Which is gon na hurt my credit and i did nothing wrong. And i have to wait another month or more for my {$500.00} to be returned. How was my information verified? And how do i prove im me. If all they asked me to do was fill out and irs form and i did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has persisted in reporting incorrect and/or incomplete information : XXXX, which was reinstated, has no date assigned for deletion. 

Please note that I am not asking them to verify if the account is mine. I never did, yet they insist on including that fact in their responses. This account IS mine ; however, the date of deletion should be indicated, especially since it 's due to come off in XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: CA
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 value your help to REMOVE a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX Balance Owed : {$15.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have done business with american express, and the reason doing business with them was they service that they offer specially when it comes to charge that was unauthorized or a service that you were not satisfied they go a notch above and take care of the problem for you. obviously this was all nothing but lies to consumers and i am a perfect example to bring this to their attention that the same thing does not happen to anybody else. I signed with a company that they advertise money back guaranteed if you are not happy with their service ( XXXX tax relief ). I signed with ( XXXX tax relief ) and had it charged to my american express credit card and after two months i contacted ( XXXX tax relief ) and cancelled my services because they give me not even one true answer also contacted american express and told them about what just happened to me. the person on the phone was very nice and told me they are going to take care of this matter for me and i do not have to pay any of the charges to ( XXXX tax relief ) and i get my account credited. and i told my husband and all of my friends how great of service i got doing business with american express. two weeks after i looked at my statement and noticed that all the charges are back on my credit card also they let ( XXXX tax relief ) to charge few more payments to my account. afterwards i talked to a supervisor at american express and they were so rude and closed my account and told me i am obligated to pay their balance. until earlier today when i told a friend of mine and he told me i should make a complaint on this site and that is what i am doing now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-11
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
A XX/XX/XXXX debt from XXXX was discharged in bankruptcy XX/XX/XXXX. However, in XX/XX/XXXX and XX/XX/XXXX two accounts that were discharged with the original creditor XXXX, was sold to I C SYSTEM COLLECTION AGENCY. I C SYSTEM are reporting wrong dates on my credit reports for these debts as well as continuing to collect on these debts that I do not owe.

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 2017-04-17
Company: Allied Collection Services, Inc. (Nevada)
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out a pay day loan from XXXX in XX/XX/XXXX and paid off the debt, my Credit Union Statements bear this out. On XX/XX/XXXX I checked my XXXX Credit Report and found that Allied Collection Services, XXXX XXXX NV XXXX placed a derogatory mark on my report. At no time did Allied contact me relative to this purported 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 2017-04-15
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My account is with Navient. On their website they say that you can use what they call " special instructions '' for extra payments so that your extra can go directly to your principle. I asked them to please do this on a specific XXXX of the XXXX loans. Their response to me was essentially " your extra payment goes first towards your unpaid interest. This seems fishy and bad practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Once a week I 'm getting calls from all over the U.S. from " Navient '' asking for payment of my loan. They are aware I ca n't pay at this time, yet they are pushy in receiving this money and ask if there is anyone else I know that can pay it which is ridiculous. I feel that this loan provider is disrespectful when asking for money and even hearing my struggles to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The company is XXXX account number # XXXX for {$700.00}. It has original creditor is XXXX. However during the time this account was opened i was in prison. I also advised the address thats tied to the account is not mine etiher. They are refusing to remove and saying it has been verified

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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied for a job and it turned out to be a fraud. 
On XX/XX/2018, While studying at XXXX  XXXX  University, I once decided to look for jobs through a website called XXXX, which is affiliated with XXXX and I could not join the website unless I use my student email, which has the XXXX domain in it. I stress that XXXX 's job website encourages its students to use XXXX to look for jobs. As I looked through the jobs, one caught specific job caught my eye ; it was a virtual assistant job for XXXX XXXX. I applied for it and got " accepted ''. 
On XX/XX/XXXX, I receive a check of {$1900.00} via mail from my " employer '', with a set of instructions that were texted through messages. I deposited the check into my Bank of America Checking Account and received the funds onto my checking account pretty quickly ; the instructions they gave me were to buy {$500.00} worth of XXXX cards to check for my loyalty to the company. 
Being a XXXX year old at the time, and recently moved to the United States, I was never warned or have dealt with anything like this, I had no experience with being used in such way. It was also my first time ever applying for a job, and as XXXX was what XXXX used to provide its students with jobs, I trusted the university and fell for the fraud. 
Later on the same day, they instructed me to wire {$1400.00} via XXXX to another XXXX in XXXX XXXX  XXXX, Tennessee. At this time, i felt that something was wrong, but I got scared and went ahead with it as I did not know what I was dealing with and I just wanted to get rid of the money. 
Directly after, I drove down to the XXXX police station and told them about what happened, and the kind officer explained to me that I was the victim of a fraud case that has happened to many students before me. I also went down to XXXX XXXX Police Department to report the fraud case. 

The next day, Bank of America then took funds equivalent to the check ( {$1900.00} ) out of my checking account, as it turned out that the check was not a real one, and directly closed my account and could not help me with the situation.

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 2019-08-08
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services was asked to validate the said debt in the amount of {$330.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Bridgecrest Acceptance Corporation
State: PA
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:
In XXXX of 2020, my auto loan payment was reported 30 days past due. I have reached out to Bridgecrest in regards to resolving this matter being that I was inadvertently affected by the COVID-19 pandemic before we all knew what it all entailed. My payments have never been late before or after this month and they refuse to make this exception or notate my account, or offer any form of relief in this matter. I filed a dispute with XXXX on XX/XX/2020.

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 2017-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Upon being denied from a lender for " too many inquiries '' from XXXX report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason 1. XXXX XXXX date XX/XX/XXXX 2. XXXX date XX/XX/XXXX 3. XXXX date XX/XX/XXXX 4. XXXX XXXX date XX/XX/XXXX 5. XXXX date XX/XX/XXXX 6. XXXX date XX/XX/XXXX 7. 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 non-monetary relief
Consumer complaint received 2017-06-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

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 2017-04-18
Company: Stellar Recovery, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello I have a collection debt on my credit report from  XXXX  internet and phone provider in the amount of  XXXX  different balances owing. First  XXXX  owing is reported in  XX/XX/XXXX  by Stellar Recovery in the amount of {$91.00}. Another reported by Stellar Recovery in  XX/XX/XXXX  in the amount of {$150.00}. I have contacted  XXXX   (  which I am currently receiving services from today ) about this balance owing and they cant seem to give me proper information on the debt owed, due to the computer filing system they have previously used for billing is no longer used.  XXXX  stated my account I owe is in an archived system and have not provide me with the dates or past payments on the account they claim I owe money to them. I had moved from  XXXX  different addresses, and they claim I owe money from an older address, they have created new billing accounts for them. I have asked for explanation and payment history and they can not provide to me and send me to archived accounts department who can not give me prof either just a paper bill with a balance from an old account. If the system is so outdated and archived this is an old account and keeps getting re-newed or updated to a newer debt on my credit report. I would like this to be resolved and removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: DISCOVER BANK
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:
On XX/XX/2020, I received a notice of account closure from Discover Financial. Since I have never had an account of any type with Discover Financial, I was concerned. I called Discover, who verbally agreed to remove the account from my credit bureau report. I also pulled my credit reports and found numerous unauthorized inquiries, including some from Discover. 

Discover has not removed the fraudulent account from my credit bureau report. Instead, they are reporting it as closed by credit grantor, which hurts my creditworthiness. XXXX refuses to remove the account and the associated inquiries from my credit bureau report. In addition, XXXX has refused to remove other unauthorized inquiries from XXXX XXXX, XXXXXXXX and XXXX XXXX XXXX. This is unreasonable and has caused me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made payments over the phone that BMW attempted to debit from the wrong checking account. I have called and spoken with phone reps who told me even though they made a typo that it is my responsibility to make my payment. I made my payment and they made an error.

Company response to consumer: Closed with explanation