BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Strategic Automotive Servicing, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went to a buy here pay here place got a XXXX XXXX XXXX and the finance company is Strategic Automotive servicing. I was making bi-weekly payments and one point I was having financial diffculties I was not making as many hours due to covid then my wife had XXXX was out of work for XXXX -XXXX XXXX. So I called in XXXX asked a rep if I can make monthly payments she said Yes. I made a payment for a month and have been making payments like that ever since. But every week I get calls from them stating I owe them money and I can not pay once a month because I signed a bi-weekly contract. I explain that is not what I was told. I ask did you look at thge notes they respond yes I see the notes about the monthly payment but you can not do that. I have been paying monthly. So on XXXX XXXX I get a call saying XXXX cancelled my insurance and they was going to put insurance on the car. I said OK. Then on XXXX XXXX at XXXX am a recovery truck comes to repo the car.I called them on XXXX when they opened and asked why the car was repossed? Everytime they call they I say the same thing I will make my payment on the 2rd week of my pay hopefully it will fall on the XXXX. Then they kept saying I owed {$830.00} I kept asking where is this number coming from. I was told because certain months have 5 weeks I have to pay the extra weeks of the year. I said that does not make sense if I pay once a month. On the XXXX after I asked them to send me bill because I have never received a monthly statement. XXXX said I had to make that {$830.00} payment in order to get a payment history. After I mentioned the CFPB she sent it to my email. I sent the {$830.00} to a XXXX XXXX XXXX strategicautomotive. Went to XXXX XXXX to get the car back so I waited Strategic to send over the paperwork to recover the car. The receptionist called them they told her to tell me I also needed to pay the repo fee so the rep said Oh NO you tell the cust that so she handed me the phone and the rep said that to me. I asked for the manager he got on the phone said he will not pay the repo fee. I said I will not pay it. The owner of XXXX XXXXy said customer never pay us that fee. Strategic is who called me to pick the car up not the customer. I left without retrieving the car. Strategic sent me letter XXXX XXXX stating they will be selling the car on the XXXX and if they sell the car for less then the price I am responsible if they get more they will get all the fees that has accured and send me the rest. I was making payments not sure why they repo the car then when I tried to retrieve the car they tried to make me pay more money for a service they are responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion, XXXX, XXXX all are treating XXXX hard inquiries as XXXX hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, 2016 and XXXX XXXX, 2016 for XXXX and XXXX XXXX, 2016 for XXXX. These are supposed to be treated as one inquiry.

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 2016-01-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
On XXXX/XXXX/XXXX I requested a 90 day fraud alert due to losing personal identification items. Instead of the 90 day alert Equifax placed a 7 year fraud alert. Since then, in both XXXX XXXX and XXXX XXXX I have mailed a letter to the address specified by Equifax for removal of fraud alerts. I included copies of my social security card, NC state ID card ( valid until XXXX ) and a current power bill. As of XXXX/XXXX/XXXX the fraud alert has not been removed. I want it gone immediately. I am including a copy of the page showing the fraud alert still present on XXXX/XXXX/XXXX. Equifax Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Riverwalk Financial Corporation
State: AR
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:
XXXX   XXXX  closed my account on  XXXX   XXXX ,  XXXX  with a charged off status and balance remaining. It showed this status with  XXXX  but on  XXXX  showed the account was still open. After disputing for inaccuracies with  XXXX  in  XXXX   XXXX ,  XXXX   XXXX  removed the account completely from  XXXX . When I got an updated report in  XXXX   XXXX  from both credit bureaus, a  XXXX  party agency showed up on   XXXX   by the name of  Deville Asset Management, but  not on  XXXX . Now while I understand that a lot of times creditors report to  one Bureau b ut not the other, or sometimes the information might not show up identical on each report, if a creditor has " closed '' the account, then that means it is closed. Not half open-half closed. It is either closed, or it is n't. I am also under the impression  XXXX   XXXX   may  have " sold '' my debt, but did n't do so for nearly 3 years, until I " stirred the pot '' with the   XXXX   inaccuracy dispute.

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 2015-03-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
There are things on my credit that should not be on there. I had my wallet stolen and my information was all in there and now i have things that are under my name that was in my wallet that needs to be disputed with the creditors and taken care of immediately because of it damaging my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Unfortunately, Ive been living XXXX for a while. I come back home to XXXX XXXX and I see all these Capital One bills no cards., There was a lot going on in the world so I felt I could handle it. I had good credit no credit cards on my name or bills on the house to to be exact one in XXXX XXXX in the US amazing credit in XXXX XXXX XXXX 100 % though lol and raised., I tried sending the money with a little extra money so that they dont with my credit Capital One they sent the money back to my XXXX XXXX  XXXX and they close the card! I called them to pay it. They gave me attitude and made me feel like Im a thief. It made me feel like it was fraud, which is so untrue because the one capital one card that I did have in my wallet was not paying on payday was paying a week before or month before the payday And the two surprising Capital One cards that people were charging on. I was paying those off I just cant get another capital one when I called them. They said its not even in their system. Ive waited years since a child to fix what I ruined and now they destroyed it again if they would like the money for anything they want to do is fine with me, but theyre not my charges Ive never owned a blue capital one Corporate card and if I did have a capital one corporate card, it would have more than XXXX bucks on it and why are they charging me XXXX and why did I tried to pay it and they did not accept and why are they destroying my credit? Ill leave that up to you guys, but XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. Those are not my charges never seen those cards. Im living in XXXX during the coronavirus while my parents passed away so I believe its a little fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: KS
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 have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per Equifax instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
My spouse and I are a victim of UNFAIR credit reporting practices. Credit report agency was NOT able to throughly review the documented proof, did not review, did not properly investigate and did not provide valid poof on my request. All my documents attached show very clear proof that this was UNFAIR practice on my family but they have not provided even a single document supporting & justifying the collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been in pursuit of a home modification to my Bank of America serviced mortgage which is also an FHA mortgage since XXXX XXXX. BOA has consistently disallowed my attempt to resolve the deserving modification. I have been vigilant with monthly payments that are inclusive of my escrow and 31 % of my gross income since XXXX XXXX. BOA has brought in a third party and they keep denying that issue. The third party is a collection agency that went under the name of XXXX. In the most recent trial payment that BOA offered the contract stated third party fees would be included in this long term mortgage thru XXXX. I am a XXXX person and my mortgage was taken in XXXX and BOA became my servicer. The XXXX program allows reduction of interest and reduction of principle in most cases also. The bank offered my payments to be reduced to XXXX per month for XXXX trial payments. I completed those then the bank sent a new loan, new loan numbers and in the writing it described the uncertain terms,,, no amount or enclosure details to the third party. I have been making my monthly payments as 31 % of my gross income. my gross income is generated from SS, SSI and food stamps. all of which is unearned income. My income is 33 % below the XXXX indigent level and is non taxable also. I have been attempting to contact BOA with the many telephone numbers that I have been given. All the lines are rerouted and designated to a party that listed as a relationship specialist. I can not even reach customer service for they do not even give numbers to call on the voice mail. I have left ten voice mails in the last week and half. The numbers of contact state BOA but I keep receiving the same voice mail contact. I received a letter dated XXXX/XXXX/XXXX stating XXXX XXXX would contact me. I have had no call from that party either. I received a letter threatening to foreclose because I refused to sign the document that included undisclosed fees to the third party. That is unlawful. I have been paying on my moetgage monthly and as I explained in previous complaints the BOA fails to document them to my credit agencies as partial payments or even as a FHA payment stipulates that escrow is paid then the principle. Please look into this matter as it is unlawful for a bank to not allow recourse or communication to dispute what they do, I have an FHA ticket number of escalation oped from last month and I do not have any info from that either.

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 2017-04-27
Company: Santander Consumer USA Holdings Inc.
State: AR
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:
Chrysler Capital closed my account on  XXXX   XXXX ,  XXXX  with a charged off status and balance remaining. It showed this status with  XXXX  but on  XXXX  showed the account was still open. After disputing for inaccuracies with  XXXX  in  XXXX   XXXX , Chrysler Capital removed the account completely from  XXXX . When I got an updated report in  XXXX   XXXX  from both credit bureaus, a 3rd party agency showed up on   XXXX   by the name of  XXXX   XXXX   XXXX , but not on  XXXX . Now while I understand that a lot of times creditors report to  one Bureau bu t not the other, or sometimes the information might not show up identical on each report, if a creditor has " closed '' the account, then that means it is closed. Not half open-half closed. It is either closed, or it is n't. I am also under the impression Chrysler Capital may have " sold '' my debt, but did n't do so for nearly 3 years, until I " stirred the pot '' with the  XXXX  inaccuracy dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
From XX/XX/XXXX-XX/XX/XXXX I attended XXXX XXXX in XXXX XXXX, MD. During this time I believe I was mislead about the cost of my attendance and the terms of my private loans. In addition I was deliberately mislead during enrollment and when I asked about how the cost compared with community colleges I was told that that cost would only be a little more for what was termed a " superior '' education.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Syndicated Office Systems has not removed this debt on my credit report which was paid through my settlement by my attorney. I want it removed from my credit report. It seems Syndicated Office Systems has a habit of doing this to individuals.

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 2022-02-23
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX. Cardinal Finance has transferred my mortgage to XXXX XXXX. 
I made a payment of {$1300.00} to Cardinal Finance and they said they suspense the payment and transferred to my account with XXXX. Just to add into this case. 
I made the payment with Cardinal Finance on XX/XX/XXXX that reduced the Principal Balance to XXXX and XXXX XXXX. They then reversed the payment on XX/XX/XXXX to move my balance back to XXXX with escrow XXXX. 
My loan was then transferred as {$210000.00} with the balance and the escrow to XXXX. I called Cardinal Finance customer service many times and they said my payment was suspense and transferred to XXXX. I called XXXX, they made me send my case to a research payment team but have not heard back. When I call them again they referred me to contact Cardinal Finance again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ XXXX XXXX. statue XXXX ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to XXXX XXXX a ) ( XXXX ) [ statue XXXX ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.

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 2016-09-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My loan was transferred or sold to another mortgage company and it shows on my credit as a collection account, paid status not reported by all bureaus. Due to this my credit score is lower and I received a higher interest rate when I refinanced.

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 2022-02-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) 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 2017-04-27
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MEDICAL DATA SY STEMS I  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  IN REGARDS TO ACCOUNT  XXXX  THE FOLLOWING AGENCY IS NOT BONDED IN THE STATE OF TEXAS AND CAN NOT LEGALLY COLLECT SAID DEBT.    MEDICAL DATA  SYSTEMS I, ADDRESS THAT IS PROVIDED ON CREDIT REPORT DOES N'T EVEN MATCH TO AN ACTIVE BOND IN THE STATE OF TEXAS.   PLEASE REMOVE FROM ALL  XXXX  CREDIT BUREAU AND CONFIRM THAT DEBT IS NOT OWED.

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 2015-07-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I enrolled in XXXX university. I was assured by several XXXX XXXX and XXXX Bank that the debt I was acquiring was standard and would be easily repaid upon graduation. However, at graduation I found myself with more than {$200000.00} in private loans with interest rates around 8 % and unable to find a job for more than XXXX months. I am now drowning in monthly payments of about XXXX and they have been very unhelpful and reluctant to help lower my monthly payments. By the time I finish paying the loans off I will have paid them more than {$450000.00}. After paying my loans, I have little over {$50.00} left and rely solely on family to provide simple things like food and shelter. The government needs to intervene to defend the private borrowers from this type of abuse, this lending is immoral and unethical. How are you promoting education by setting students up to live a lifetime of debt and burden? Please help

Company response to consumer: Closed with explanation