BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: Experian Information Solutions 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:
BMW financial services is reporting me 30 days delinquent for my  XXXX   XXXX    XXXX   payment. I made this payment and it withdrew from my account on  XXXX . Less than 30 calendar days later. It was due on  XXXX  and posted to their account on  XXXX . There should not have been any credit reporting. This has dropped my FICO score significantly.

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 2017-06-08
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:
BMW financial services is reporting me 30 days delinquent for my  XXXX   XXXX    XXXX   payment. I made this payment and it withdrew from my account on  XXXX . Less than  XXXX  calendar days later. It was due on  XXXX  and posted to their account on  XXXX . There should not have been any credit reporting. This has dropped my  FICO  score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Atlantic Recovery Solutions LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am in no way trying to get out of paying a bill. However ; being harrassed and belittled by a company is not ok. Multiple calls to family every day. I am trying to be pro-active, but XXXX XXXX and XXXX will not provide information until a threat to report them gets the job done. 

Most recent- XXXX Received a text to call- I called company and informed the agent on a recorded line that i have been requesting the statement on my account. I am not willing to pay when i have no idea how much i even owe at this time. I finally received a letter. Not even 3 hours after I finally receive the letter i received another 2 calls. 
XXXX calls came in at XXXX and XXXX Voicemails : ALL SAVED ON MY PHONE XXXX XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX XXXX left voicemail ( XXXX XXXX XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX voicemail ( XXXX ) XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX left voicemail ( XXXX ) How do they expect us to stop everything. I received the letter after many attempts on XX/XX/2022 at XXXX. Received 2 more calls after advising send me the letter so i can make a payment. 

XXXX When does calling become harassment? 5 voicemails on Monday. I spoke to you today and yet another 3 calls since have come in? 
XXXX XXXX We aren't harassing you. Calling is part of our job. 

I have several email requests asking for my statement so that i can make a payment. Their site does not allow us to view what we are paying, what is owed or anything else. 

I have all the emails saved and phone voicemails saved. This is all just from the XXXX of XXXX. I believe that only one voicemail a day was allowed to be left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I made a payment to Loan Depot of New Jersey for {$1100.00}. I was informed that my loan was being transferred and an additional payment of {$1100.00} to the new loan servers Loan Deport of Texas. I have tried since XX/XX/2022 to retrieve the payment of {$1100.00}. New Jersey have no trace of the payment but my bank ( XXXX ) show proof of payment. Texas has received their payment. New Jersey has refused to help and keep telling me to call back in 10 to 20 days. I am at a loss on how to get my payment back or transferred to my new loan servers. My next loan payment is coming up and I need the money to fund it. Loan Deport are very unorganized and not helpful, at times rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is a fraudulent company that adds fees on top of fees and ruins your credit by misleading their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: General Motors Financial Company, Inc.
State: IN
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:
MY  GM  LEASE ACCOUNT IS FAILING TO REPORT TO  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was originally taken off of my credit report due to this being done without my consent. It has recently been placed back on my credit report by XXXX  after they had previously deleted it. Back in XX/XX/XXXX, I had signed the guarantor form for my son to get an apartment. I later revoked my decision with my son and the leasing office due to him not being able to pay his rent in advance or through the duration of the lease due to him not receiving his financial aid monies. My son later went back into the rent office and proceeded with signing the lease without my consent or my knowledge. The leasing office at that time did not call me to confirm with me or to see if I had changed my mind about allowing my son to proceed with signing the lease. I didn't find out about this until XX/XX/XXXX when the debt appeared on my credit report because my son never moved into the apartment. My son 's signature is the only signature on the lease because once again I revoked my decision to be the guarantor on the lease with my son and with the leasing office.

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 2017-06-08
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX  my payment was raised concerning my escrow account. My insurance last year was  XXXX  this year  XXXX . Taxes  XXXX  last year  XXXX ,. This year. my payment went from  XXXX  to  XXXX . I draw  XXXX  social security a month .When I got the mortgage they said my payment would not go up. I have a tight budget but have never missed a payment. I paid  XXXX  on  XXXX   XXXX  and they put charges on my account because I could not pay the new escrow.  XXXX  is not a lot of money to company 's but takes out of my food. There was not that much difference in the escrow. I talked with the company and they said they can not do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified that someone reactivated my Macy 's card which I had not used in years in XXXX, and again on XX/XX/2022. I contacted Macy 's and closed the account. I filled a Police report, FTC report, etc, etc. I am still awaiting resolution of nearly {$1200.00} in charges for XXXX XXXX clothes on my Macy 's card back in XXXX. The company does not believe me that I did not make these charges!

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 2017-06-08
Company: Reverse Mortgage Solutions, Inc.
State: AR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX TX XXXX was my mothers house. She did a reverse mortgage with reverse mortgage solutions before she died. When she died we reached out to reverse mortgage solutions trying to get details and pay off information to settle the account. We were told we were n't on the account. My cousin XXXX XXXX was on the account. We called with her, and still go no information. We wrote letters requesting pay off and still got no response. On XX/XX/16 Reverse Mortgage Solutions filed for foreclosure at the courthouse. We have again tried to contact them for payoff and been unsuccessful. Basically this company hired a 3rd party company to manage the property breaking into the property and removing the locks and switching them out so we now have no access to the house or the contents. We contacted the courthouse and explained we we knew they had filed for foreclosure but there was no date given, and they had never contacted us. According to the courthouse there has NEVER been any sort of contact made with us and no citations have been issued. There 's no foreclosure date on file. This company is trying to steal this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
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:
I called Citizen 's Bank on XX/XX/22 and spoke with XXXX. I asked for a payoff amount and was told {$7300.00}. I asked her about the {$6800.00} I saw on the statement and was told it was for the principal only. I paid the {$7300.00} that day. 

On XX/XX/22 I received a statement from Citizen 's showing I have a {$74.00} balance due XX/XX/22. On XX/XX/22 I called and spoke with XXXX about the {$74.00} balance. He said that the previous rep gave me the incorrect payoff amount it should have been {$7300.00} and that's why I got a bill for {$74.00}. I explained that I paid what I was told was due on XX/XX/22. I asked to escalate the matter and was told that I could be on hold for XXXX XXXX XXXX XXXX XXXX XXXX  to speak with a supervisor. He said that it's still my responsibility to pay the {$74.00}. I said I will call back. 

On XX/XX/22 I phoned Citizen 's again and spoke with XXXX. Explained the payoff and balance due. I stated that since the call was recorded is it possible to speak with a supervisor to help resolve this issue. I was placed on hold. XXXX got back online and said that his supervisor listened to the call and determine that {$7300.00} is the correct amount. He said the {$74.00} could be from late fees or something. I asked for the supervisor 's name and was told that he couldn't give out that information. I asked how can I be sure if I'm getting the correct information. I called in only to receive different amounts to pay, being placed on hold and unsure if the recorded call was really reviewed by a supervisor that can not be named. 

I'm receiving different payoff amounts after the fact, the bank can not verify what the {$74.00} is for and my credit report doesn't reflect that this account has been paid in full. Please help me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Convergent Resources, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-06-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on Thursday morning,  XXXX  XX/XX/XXXX . As of today, XX/XX/XXXX   th e funds are still not available. I understand a reasonable hold time  2-3 days, but a week? The check was drawn on a US Brokerage  house and was less than {$1000.00}. The account had never been overdrawn and had been in existence since XX/XX/XXXX  Other banks I deal with would have cleared the check in  two days .

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 2022-10-06
Company: Continental Finance Company, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am in no way trying to get out of paying a bill. However ; being harrassed and belittled by a company is not ok. Multiple calls to family every day. I am trying to be pro-active, but XXXX XXXX and XXXX will not provide information until a threat to report them gets the job done. 

Most recent- XXXX Received a text to call- I called company and informed the agent on a recorded line that i have been requesting the statement on my account. I am not willing to pay when i have no idea how much i even owe at this time. I finally received a letter. Not even 3 hours after I finally receive the letter i received another 2 calls. 
XXXX calls came in at XXXX and XXXX Voicemails : ALL SAVED ON MY PHONE XXXX XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX XXXX left voicemail ( XXXX XXXX XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX voicemail ( XXXX ) XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX left voicemail ( XXXX ) How do they expect us to stop everything. I received the letter after many attempts on XX/XX/2022 at XXXX. Received 2 more calls after advising send me the letter so i can make a payment. 

XXXX When does calling become harassment? 5 voicemails on Monday. I spoke to you today and yet another 3 calls since have come in? 
XXXX XXXX We aren't harassing you. Calling is part of our job. 

I have several email requests asking for my statement so that i can make a payment. Their site does not allow us to view what we are paying, what is owed or anything else. 

I have all the emails saved and phone voicemails saved. This is all just from the XXXX of XXXX. I believe that only one voicemail a day was allowed to be left.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To whom it concerns, I have reached out to TransUnion, XXXX, and XXXX concerning three account that information was posting improper information concerning my accounts. I have sent letters twice times and I have waited the proper time frame to receive information concerning these items and I have sent letter via certified mail numerous occasion yet I receive no letters or information supporting the companies information on my credit 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 2017-06-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had fraudulent information that was disputed on  my Amex Serve card and they refused to refund me back my money last year along with refusing me to  continue being an American Express Serve card member which is a prepaid debit card which is ridiculous considering I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost my Wallet with my Social security Card, ID Card and Email information in it. My E-mail address has been hacked and I have been the victim of Identity theft, my social security number, driving license and some of my other personal information has been stolen from my Email address. I didn’t open this account and it's not mine. I don’t know who opened it. I am not responsible for this account. I just think someone misused my information but I don't know when and I'm not familiar with electronic stuff. But
maybe someone misused my personal information that is always in my wallet because lost my wallet multiple times. About my lawyer who was trying to negotiate for the settlement, I have to say, at that time I did not know what to do about it and I thought maybe lawyer can do something about it but this account is not mine at all. I was
desperate and did not know what to do. Someone may have opened this account with a fake ID. Also, I have never received any bank statement by mail
or via Online banking. And if anyone could have access to my information, they could have forged the signature which is on my driving license and use any other personal information which belongs to me. I have never done any payments. If there are some payments which has been paid by me, it is because I didn't want bad score to appear in my credit report, I knew it was a fraudulent account and I reported it to bank, but because I knew it will take some time for this matter to be resolved, I decided to pay a minimum amount so that I can keep my credit score high and protect my financial credibility, I didn't have any other intention beside that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Nelnet, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am distressed that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: LEXISNEXIS
State: LA
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:
I XXXX Bankruptcy in XXXX XXXX ( XXXX ) and I had it dismissed. LexisNexis sent my bankruptcy dismissal to XXXX, XXXX, and XXXX I went to the courthouse here in XXXX XXXX La. I was told that the court do not sell or give out that information but it is public record. So how did the three bureaus get my information. I sent the letter that the courthouse gave me to LexisNexis after 30 days it was remove by XXXX, but the other two bureaus XXXX and XXXX still has the dismissal as a derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence. 
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards.

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