BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: CONRAD CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sold a scooter to a girl. I sent dmv bill of sale. I guess it got towed 2 years later and so conrad credit puts on my credit report that I owe a tow company that I never heard of. This is in XXXX. I contact them and respond by asking for proof I owe the debt which they never sent and refuse to accommodate me despite burden of proof being on them. I conacted them back then and they removed debt from bureaus. I check my XXXX recently in XXXX and the debt is still reporting. So I disputed it again, then called them and they are refusing to remove it. I have attached proof I sold the vehicle. And want them to stop reporting I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I was in some personal emergency and with no access to a PC or mobile phone, so used a phone agent with me bank to process a payment to my credit card company, Capital One, on XX/XX/2020. My bank, XXXX, stated they made the payment for me in the amount of {$150.00} on the XX/XX/XXXX, when called, however they did not. On XX/XX/XXXX I was alerted of a late payment 30 days+ by credit reporting monitor, where I discovered that Capital One on a Wal-Mart MasterCard reported me late for {$3.00} overdue. This would have been covered by the {$150.00} payment from my bank except they failed to process. I contacted my bank, who investigated the issue and confirmed their representative did indeed inform me the payment had been made, but when in fact is had not. XXXX has issued a letter detailing this error, and has requested that any creditor ( in this case, Capital One ) take this as an error on the Bank 's part, and requested to remove any negative impact this caused. I am asking that Capital One do that, as I made the payment in good faith via my bank, who made the error in processing the payment. THis has impacted my credit rating, and I would like to have that restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Navient Solutions, LLC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in the late XXXX 's early XXXX 's I took out loans in the amount of roughly {$13000.00}, then in the late XXXX 's I was contacted by the agency to inform me that I was in danger of defaulting. I was told what I owed at the time and the figures didn't sound right. I was sceptical because I recall that I had only borrowed a little over {$13000.00}, I expressed my concerns because I had been a victim of identity theft. I was told to just do the consolidation to keep from going into default and sort it out later. I haven't been able to sort anything out, since then thousands of dollars have been added to my balance, I have made numerous calls to find out why my balance was increasing but instead of giving an answer I have been bounced from one place to the other. I was told that it must be interest. Then all of a sudden I am told that {$43.00} of compounded interest had been added to my account. Now my balance is over XXXX dollars. For years I have been trying to resolve this all the while not being able to qualify for loans that I've needed, I have had to go to numerous payday lenders and poor credit lenders because I'm told my debt to income ratio is too high. This has caused a severe amount of stress to me, I have also started a small business but do not qualify for any lending products. This is affecting my credit very negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on a refinance with XXXX XXXX. The amount on my closing disclosure for my monthly payment is {XXXX}. My first statement with them is {XXXX}. It was sold to Flagstar Bank and my first statement from them is {XXXX}. They claim that is the amount they received on the closing disclosures, which is not what I signed to pay. My escrow balance is all of a sudden less as well. XXXX has my balance as {XXXX} and Flagstar has {XXXX} with no payments out.

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 2022-03-16
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I scheduled service on XX/XX/21 for internet to be connected at XXXX XXXX XXXX, XXXX XXXX On multiple phone calls I stated that we must have a static IP address and was assured we would have one. My wife works from home so prior to moving we also called in to confirm the appointment and once again request a static IP as she would not be able to work without one. 

On XX/XX/21 the technician came out and did the install and when she asked him to write down the static IP down for her, he told her that there wasnt one. XXXX had sent out a Residential technician and not a business technician. I have spoke with them multiple times because this was an error on their part. We established on every phone call with XXXX that we would require a static IP address. They are trying to collect the residential setup fee but it it not our fault they made an error. My wife repeatedly made me double check that we would have static IP. 

I called and was assured that this was a mistake that the account was set up incorrectly and the residential account would be canceled nothing to worry about. They sent a technician out to provide the static IP address on XX/XX/21. My wife missed 2 full days of work due to a mistake by 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 2016-11-08
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a HAMP loan and received a letter in XXXX informing me about a {$5000.00} incentive that had been applied to my XXXX. An offer to modify was also included. I signed and mailed it. In XXXX I received the enrollment paperwork via XXXX. I thought I was ineligible because my XXXX payment would be late ( I am a XXXX on a XXXX ). I called Seterus to inform them of the late payment, and was told I qualified. I signed the enrollment and sent it in the XXXX envelope Seterus provided. I was given a new payment amount, told that when modifying one month 's payment is skipped, and that as long as I made the new payment by XXXX/XXXX/16 I would be current. I made that payment. On XXXX/XXXX/16 I called to confirm receipt of the payment, and was told it was the incorrect amount, was being held in suspense, and I was behind. I made payment arrangements and continued to follow up with phone calls. Since XXXX, I have spoken to 5 reps and 2 managers. Two reps told me I was current and the lower payment amount was correct, 2 told me that was wrong, the 5th rep told me both in the same conversation. The managers told me I was behind and refused to let me speak with a superior. I 've incurred late fees, an inspection fee, and received delinquency/foreclosure notifications. On XXXX XXXX I went onto Seterus 's website to check that an automatic payment had been made. I also downloaded all of my 2016 statements except for XXXX, which was missing from their site. I called Seterus to request a hard copy. I have not received it. I have more specific details and documentation, including all written correspondence I received from Seterus. The character limitations prevent me from providing those details here, but I will enthusiastically share them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Seterus Inc. is the service provider for my mortgage. I applied for a HAMP modification in XXXX and was offered a streamline modification by Seterus in XXXX. At the advice of XXXX they told me to start the streamline offer until we hear from XXXX. Apparently I have been approved. Since then, I have called to get answers on why their ( Seterus ) system has not updated my loan and they have hung up on me, put me on hold for long periods of time, and given the complete run-around when I ask direct questions. I was told by someone there, that the new modification was deleted by an unknown source and I was out of luck and if I missed payments on the streamlined offer, I would be foreclosed on. I also asked to speak with supervisors on every occasion and was rudely told that was not going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have two leased vehicles with TMCC and have made every payment on line with XXXX. TMCC has been crediting both payments to loan number XXXX ( XXXX ) since XX/XX/XXXX. TMCC repossessed the loan number XXXX ( XXXX ) on XX/XX/XXXX. It is clearly their error and it cost us {$2100.00} due to their error. We just received a letter they are repossessing it again. I am truly lost and need some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022 i had received a call from my bank as shown on caller id and was informed of fraudulent activity on my online banking app XXXX, the rep had me do me to me transactions to reverse funds as he said, I had been scammed out of 2 business accounts out of Bank of America for {$10000.00} and {$2900.00} Bank of America has denied my claims for money returned, On XX/XX/2022 I had gone to my local branch in tears with the thought I was scammed and it was confirmed i was, with absolutely no protection from Bank Of America or refund of monies, from what I understand all money was transferred into a XXXX XXXX Bank account,

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 2022-06-17
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing you this statement to delete the following information on my report. The item I need deleted is listed in the report. I am a victim of identity theft, I demand that you remove the item to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission out affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!

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 2020-10-28
Company: OneMain Finance Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Said I apply for a loan and I did not and not it has effect my credit score. I give no permission to to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an XXXX credit card. I set up auto pay before going to XXXX. Somehow XXXX didnt receive the payment the second month. And it was reported to credit bureaus. XXXX couldnt say why it wasnt processed. They let credit bureaus know all my payment status is current and they are not reporting any late payment. XXXX and equifax are still showing that month as late on payment. XXXX has taken it off from my credit report. I was told by the credit bureaus that info is correct about me being late but XXXX keeps teeling me that there is no late payment that they are reporting. I have done the dispute twice with these credit bureaus. 
Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contact Equifax about the several wrong information on my credit report. I contact them by phone to dispute the wrong information, I was ask for my social security number and I gave my number and the lady who I talk with at equifax told me that that wasn`t my social security number. and she told me that another number and I told her again that is not my number. and she made me upset by trying to make someone esle social security number be mys. I think I should know my social security number and we had some words, and I ask her to put someone esle on the phone that I can talk to. who have some sense because something was wrong with her. I talk to someone esle and I was told to fax a copy of my social security number and a copy of my ID. I fax my information to them and was told to call them back the following week. when I call back I was told that they have up dated my information on the person credit who is not me. Equifax have given creditors of that lady reports my address and phone number .one of the lady creditor call me and I told that person that is not my credit and he ask me was the last XXXX digit of her social security number was mys and I told him that we might have the same name. and that our middle name is different, our birthday is different I never lived where she lived. and that we are not the same person and I let him know if he call me again that I will sued him and that was that. but still her information is still on my credit, also I was mail the Lady statement with her name, social security number, her last mailing address and her last job and her pay amount and other information. concernuing her. I have contact Equifax several timeand I have went on their website and disputed the wrong information and gave them proof who I am and yet they refused to proved that, that is my credit. they have made my life a living hell and my life is on hold and this mess has taken my nerves on the deep end I am on medication for my nerves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back in  XXXX  o f 2016    XXXX   XXXX   posted negative information on my credit history. I disputed with  XXXX  and the other  XXXX  credit reporting agency on  XXXX   XXXX ,   XXXX  , and the negative information was removed from my account on  XXXX   XXXX ,   XXXX  .  XXXX  gave me a confirmation #  XXXX  after deleting the negative information.   Aft er one ye ar the same negative information reappeared under different collection agen cy (   XXXX   XXXX   XXXX   ).   XXXX  did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never lived at  1  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX  2 )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  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 2022-06-17
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
A year ago I applied for a XXXX XXXX credit card and was approved for a XXXX limit I have not kept a high balance on the card and currently owe less than XXXX. Synchrony bank decided to do a credit pull and decrease my limit from the XXXX to XXXX which has shown that the card is now maxed out and causing a credit score drop on my credit report. I have attempted through XXXX XXXXXXXX to resolve and Synchrony has denied to restore my card at the original limits I was approved for. Credit fluctuates and it is truly unfair to punish a card holder not by only decreasing the limit on the card but causing a negative remark on my credit report which was a total of XXXX points. I have a XXXX  XXXX card that around the same time decided to increase my limit from XXXX to XXXX so it is extremely confusing and frustrating for me to get a decrease in my limit when I don't keep the card maxed out and I am making payments on top of the damage this did to my credit score on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions 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:
On XX/XX/2014 it was reported that an account with XXXX 's XXXX XXXX XXXX XXXX was opened for the amount of {XXXX}. I was in college at the time so I couldn't have opened the credit account. I had reached out to Experian and the company more than once to remove debt form my credit profile and they stated the debt is validate by my name which is not true according to 15 U.S Code 1692g- Validation of Debts. I am demanding, under the provisions of the FCRA, 15 USC section 1681i, that they remove immediately as it is deemed illegal and a violation of my consumer rights according to 15 U.S code 1666b. 
As it states, a creditor or any agency must not treat any payment on a consumers credit file as late or delinquent for any purpose. If so, it must be immediately and permanently removed from file or a lawsuit will be filed for discrimination against my decent, violating my consumer rights deemed by law and the reporting of inaccurate information.

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 2022-07-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I want cfpb & XXXX XXXX to get involved with this immediately Answers from SPS IS JUST A SPIN.They have with their attorneys among other things DUAL TRACKED and i have application in for assistance from state IHAF and have confirmed appt for certificate XXXX XXXX. 
I was told by the ombudsman department several time in XXXX they had got me a loan mod telling me payment would go up too {$2400.00} asking me if i would accept that I SAID yes The last call i got was XX/XX/XXXX XXXX FROM XXXX again ( ombudsman ) saying please be patient he was just calling to let me know he was on top of everything and as soon as he see final papers he would get back to me.Have not heard from him or anyone else since. 
Their attorneys tell judge no loss mitigation is pending. 
I dispute all numbers and want a real investigation of everything .I WANT you AND ILLINOIS ATTY GENERAL TO FILE INJUNCTION AGAINST THEM as they will not put file on hold on their own!! 
We have a hearing XX/XX/XXXX AT XXXX THEIR ATTORNEYS KEEP PUSHING IN COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Nelnet, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have no problem with my NELNET student loans, other that to claim that NELNET automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from NELNET to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I traded my car in with XXXX XXXX of XXXX XXXX. Prior to that I obtained the payoff and the company policy for selling leased car to another dealership. XXXX submitted payment to Mercedes Benz on XX/XX/XXXX for the full amount to payoff the car that included the last two payment left on the lease. Mercedes cashed the check on XX/XX/XXXX. Meanwhile, they continued to show my account as delinquent. When I contacted them, they told me that they had an update on their computer system and my payment will show as soon as that's completed. A week after, I started receiving calls from Mercedes about being delinquent and letters threatening repossession. I called again and asked to talk to a supervisor. He was rude and tried intimidating me, instead of listening to me asking him to look into it, because there is a cashed check for the full amount. I called XXXX and asked for their help. They contacted Mercedes and were assured that my account was credited for the full amount. I was still getting calls from Mercedes about delinquency. Finally, XXXX was able to straighten the matter out, but Mercedes refuses to delete the delinquency from my credit report with XXXX, even after I provided copy of the cashed check.

Company response to consumer: Closed with explanation