BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-08
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I originally did go delinquent on a college loan directly with XXXX college in XXXX in XXXX. They sent it to collections and a couple of different companies picked up the debt. I paid the collection in full in XXXX. However the collection company that had the debt last moved the original delinquency date up to when they acquired the collection contract to XXXX of XXXX. It is my understanding that original delinquency date of XXXX should be the reported case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Porania, LLC
State: OR
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 these accounts that are not mine and i want them to be removed from my credit report. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-11
Company: EQUIFAX, INC.
State: NJ
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a {$2000.00} check at my local Bank of America branch in XXXX, AZ on XXXX XXXX, 2015. At the time of the counter transaction, the teller assured me that the funds would be available next day XXXX XXXX XXXX ). On XXXX XXXX, the funds were available as promised. I proceeded to use some of the funds that were made available. At some point on XXXX XXXX or XXXX, the deposit was placed on " hold '' by BOA without any notification to me. My inquiry to the BOA " risk department '' resulted in me being told that the deposited check for XXXX had been returned by XXXX Bank. My research into that fact on XXXX XXXX indicated that the check had processed successfully from XXXX Bank to BOA, and that it had never been returned as indicated by the BOA risk department. Seeking an explanation for both the delayed " hold action '' and the deceitful misinformation, I re-visited my local branch in XXXX, AZ. The branch manager, after reciting the numerous regulations and bank policies which authorize BOA to do whatever they want, agreed to contact the " risk management '' department and get an explanation for me regarding the " returned check '' excuse offered earlier. Surprisingly, they admitted that the check had not been returned ( as conveyed to me earlier ), but rather that the " hold was placed due to other risk factors involving the deposited check and my account ''. As a consequence of the " delayed hold '', numerous debits bounced/were reversed and fees incurred. In the final analysis, the hold was confirmed by BOA for XXXX days, and no explanation or apology provided for ( a ) the initial unauthorized assurance of the funds availability, XXXX b ) the " hold '' without notice, or XXXX c XXXX the misinformation conveyed to me regarding the returned deposit that never happened. It seems that BOA employees are not expected to speak the truth when asked a direct simple question. Although the action by BOA has resulted in a modest financial loss to me of only about {$2500.00} XXXX fees, reversed transactions, associated penalties from creditors for reversed transactions XXXX, it certainly exposes the true character of a bank which I have been using for ten years in 4 states.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11
Company: Synerprise Consulting Services, 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:
Synerprise Consulting Svs is in violation of my privacy rights under HIPPA Law. I have continuously asked Synerprise Consulting Sv to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Hillcrest Davidson & Associates
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was notified from my XXXX accoutrements say I 'm in collection status for a debt. Hillcrest Davidson and A XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
See attached. A debt collection agency has placed a negative trade line on my credit report without providing the validation of debt requested and a reasonable opportunity to investigate the putative debt. This is important because ( XXXX ) I previously owed money to the original creditor that was handled by Focused Recovery that was discharged in a Chapter XXXX bankruptcy and ( XXXX ) I may have been a victim of identity theft. A full legal analysis and memorandum of facts necessary to adjudicate my claim are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Ditech Financial LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Green tree calls me XXXX days a week and ask me for my sss # on the phone and will not tell me nothing. I do not owe them nothing. if they do n't stop I will get my lawyer to send them a letter and we will take it to court for a law suite

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: David A. Bauer, P.C.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
In early XXXX I received a letter from XXXX XXXX XXXX that stated if I did not voluntarily make arrangements to pay on a time-barred debt, I could be held accountable for additional costs. By threatening me with additional costs this attorney implied that he would sue me in court and hold me responsible for court costs and other costs associated with that action. I have attached his letter to me. 

I feel that this attorney was attempting to intimidate me. In this letter, this attorney also admits that a debt he sued me for was only placed in his office for collections, that he was not hired as an attorney on the debt, but that he used his position as an attorney as part of his collection tactic. I feel this is an abuse of his role as an attorney, unless he is retained by someone to collect debt, he should not be allowed to use his position as an attorney to sue for debts that are only placed in his office for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Equifax via certified mail. Equifax refuses to honor my claim & the evidence submitted. I also requested a reinvestigation online multiple times to no avail. Equifax continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report. 
3 ) XXXX # XXXXis not my account please remove this from my credit report. 
4 ) XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report. 
XXXX XXXX # XXXXis not my account please remove this from my credit report. 
XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report. 
I would also like for Equifax to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I know I owe {$250.00} to Kohl 's department store. I keep getting phone calls ever since I missed my first payment. I have expressed to them that I still have not had a shift so I can be able to pay off my debt. I 'm always told at the end of the phone call that my situation is documented, but I keep getting called every day and asked the same questions over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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: Their investigation did not fix an error on your report

Complaint:
XXXX OF 2021, XXXX OF 2021, XXXX OF 2021. I ASK ALL THREE CREDIT COMPANY, XXXX, XXXX, EQUIFAX..TO REMOVE XXXX  XXXX XXXX  ACCOUNT ENDING IN # XXXX AND XXXX XXXX XXXX ACCOUNT ENDING IN # XXXX. I HAVE LETTER STATING THAT THEY AGREE TO REMOVE THIS ITEMS AND HAS NOT.. THE ATTACHMENT IS BELOW ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX Ditech increased my escrow payment from {$230.00} a month to {$490.00}. When I called Ditech then I was falsely told that my real estate taxes had doubled but later I checked and found that to be false. Then when I called again I was told that Ditech had under estimated my new taxes therefore they had sent me a check for a surplus in the amount of {$1600.00} back in XXXX of XXXX. Mind you I went ahead and spent these funds on a new water heater for my residence. Therefore Ditech stated because of the false surplus check they had sent that now starting in XXXX XXXX my escrow account was negative, and that I had to make a payment of {$490.00} a month for my escrow account instead of my regular {$230.00}! I pleaded and explained that this was really a terrible hardship for me ( a senior citizen on a fixed budget ) but to no avail. I was threatened with being reported to the credit bureaus for being late or delinquent on my mortgage therefore I was forced not only to pay the additional escrow amount but also XXXX time paying a {$12.00} pay by phone fee since that was the only immediate payment option. I have continued to pay my regular mortgage payments plus the additional {$260.00} ( XXXX ) for my escrow for 8 months now ( XXXX XXXX thru XXXX XXXX ). Finally on XXXX/XXXX/XXXX I sent an email to Ditech once more asking for a review and I was told by their XXXX XXXX, XXXX letter that it would take 30 days to investigate. Today when I called I was told a letter was sent out dated XXXX XXXX, XXXX ( which I have not received as of today ) stating Ditech will not change my escrow amount even though to date I have paid {$2100.00} extra funds in escrow since XXXX XXXX. At this point I feel I am being penalized heavily all due to Ditech 's own accounting errors, and finally why should I be made to continue to pay when I have already paid well over the {$1600.00} erroneous surplus amount sent by Ditech?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America - attempt to get a mortgage rate modification Case number : XXXX On Page XXXX of Proposed Resolution Letter Final with Enclosures, referring to the paragraph " Our research confirmed ... '', I was unable to pay such an astronomical amount to reinstate the account. This is their reason for attempting to foreclose and take the house from me. The lawyer ( referred to below ) advised me otherwise regarding making payments, submission of required documentation, and qualification for a loan modification which was reversed several times. In addition the bank tried no less than 20 times to foreclose during this period when they did n't give me a chance to try and make payments, because they wanted an astronomical amount to reinstate and yet also unfairly disqualified me. 
This is unfair and will appeal this outcome until I am properly recompensated. Please also contact the attorney below who claimed he was trying to work with the bank on my behalf. 

XXXX XXXX, Attorney -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Virginia XXXX Office XXXX Mobile XXXX Mobile XXXX Email : XXXX XXXX ( Assistant ) -- -- -- -- -- -- -- -- - XXXX Non-Attorney Staff Member XXXX Virginia XXXX Office XXXX Fax 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 2016-06-10
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Property taxes were removed from our escrow account twice, XXXX XXXX and XXXX XXXX, but Ditech is refusing to apply the refund back to our escrow account. They have completed XXXX internal audits and still can not explain where {$690.00} is. We have made several calls as well as sent several emails but never get a response. They refuse to allow us to speak with a supervisor. Our escrow account was short to pay homeowners and flood insurance in XXXX because they refuse to credit our account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: FL
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:
Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. and they havent responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: ECMC GROUP, INC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I paid on my student loans consistently from XXXX. I had to stop due to a family crisis and business failure that eventually led me to file bankruptcy in XXXX, XXXX. The case closed in XXXX of XXXX and the majority of my debt discharged. I immediately had my attorney contact the third party student loan collector on XXXX XXXX, XXXX. Rather than communicate with my legal counsel, they sent a form for my attorney to fill out authorizing them to talk to him. This is despite the fact, he had an authorization attached to the original letter. He sent the " Authorization to Disclose '' provided by ECMC. The authorization was lost. ECMC would not even communicate with my attorney for over a year. They denied getting the " Authorization '' and another was sent on XXXX XXXX, XXXX. Once the authorization was finally acknowledged, my attorney requested a hearing, but the hearing request was ignored. My attorney asked for an accounting and for all the documentation held by ECMC. On XXXX XXXX, XXXX, we received a letter explaining that they did not have any information on my prior payment history and the only information they were able to provide was a copy of the original promissory note from XXXX. I still have not received any accounting for all of the payments I made and the net result is I have student loans that exceed the original amount, even though I paid on them for seven years. In addition, I am being penalized for hiring legal counsel, since much of the recent delay has been by ECMC 's lack of communication with my legal counsel and the denial of his request for a hearing. My tax refund for XXXX was seized by ECMC. Their sole objective seemed to be to add the collection costs of 24.34 % on to my student loans. I have no problem paying my obligations, but I 've unnecessarily been placed in default and collections, when simply working with my attorney after my bankruptcy an appropriate repayment plan could have been reached. Now the defaulted loan is impacting my security clearance.

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 2020-10-06
Company: OUT TECH, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BUR ACCT MGM XXXX Bureau of Accout XXXX XXXX XXXX PA XXXX Acct # XXXX {$1100.00} This account is not mine. I have written certified mail receipt attached. They will not show me a signed contract with my name on it with my signature on it. I was recently in the hospital and this information came up on my acct, and so now I know my information is being sold by this company to other companies. This infiltrates all kinds of Hippa Laws by doing this. Having this on my credit when it is not mine is agains the Fair Credit reporting act and the Hippa Laws act. Remove this immediatly from my credit, or show me this signed contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have an auto loan with GM Financial. The loan has a 15.75 % interest rate. I was approved for a refinance with XXXX XXXX for 8.6 %. 

When XXXX XXXX called to confirm the payoff and transfer the lien, GM Financial told XXXX XXXX my car was a part of a bankruptcy. My personal bankruptcy closed over a year ago. I kept my family car and have continued to make the payments to GM Financial. 

Today, I called GM Financial and asked to reaffirm my auto loan. I was told it is too late because my bankruptcy is closed. According to XXXX ( ID # XXXX ), reaffirmation paperwork was not sent to my attorney during the bankruptcy, even though my account indicates I intended to keep the car and make payments. 

Now, I am stuck in a high interest auto loan because GM Financial gave XXXX XXXX the wrong impression about the status of my car. Help me please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Radius Global Solutions LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I changed my phone number in XXXX of XXXX. Since that time I have been receiving frequent phone calls from Radius Global looking for who I assume is the previous owner of this number. I have spoken to them on the phone on several occasions stating that I am not the person they are looking for and told them to stop contacting me. They repeatedly call asking to speak to " XXXX ''. I am not XXXX. They have called sometimes several times a day. At XXXX point I again answered and said I am not the correct person and they asked to speak to my spouse instead. 

They have left voicemails stating the next step is court and I can no longer state that I did not know about this debt. Again, after I have told them I am not the correct person. 

On XX/XX/XXXX I sent them a written message through their online portal ( https : //paymentportal.radiusgs.com/contact-us ) telling them to stop contacting me. I do not have a copy of this because their portal does not send a confirmation response. 

The calls have stopped since then until today, XX/XX/XXXX. Radius Global has called me twice. I have the phone log to show this. I again sent them a message on their online portal, this time video recording my submission which I can provide.

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