BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-31
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Other

Complaint:
XXXX/XXXX XXXX recently changed to XXXX so new cards were issued to users. I attempted to call XXXX to get back statements from 2015 in order to do taxes ( I keep all business expenses on that card ). They told me I had to get that info from XXXX. I contacted XXXX and they said they had to request the info from XXXX and it would take 14 business days, which is unacceptable when just a week ago all this information was available online. Both companies are being difficult to work with and are unwilling to get me MY statements in a timely fashion. I have no recourse as the little guy dealing with XXXX giant companies and they are not giving me fair, timely 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 2021-05-24
Company: The Outsource Group, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have no relationship with this company but they continue to call me and are rude and vulgar when I tell them Im filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I open XXXX to know my credit score then i got amazed when i knew that i got a mortgage dated back XX/XX/2015 that even in dream i didnot do..please help me maybe someone stole all my info ... thats why all im applying for credit cards or lending services are all DECLINed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX was unable to access my Credit report to due a credit freeze. However, there are XXXX inquiries on my report from XXXX. I called XXXX several times concerning this. most recent today where i spoke with XXXX and her manager XXXX If they were able to access my report, why did n't i get a decision letter based on the information in the credit report. they told me to check with the credit agency which i did and they told me to contact fingerhut. i explained that i received a letter stating they were n't able to access my report but the inquiries show they were able to. Ive reached out to equifax who told me that this inquiry is legitimate. but according to the XXXX investigation, they are stating they never viewed my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX XXXX sent my account for {$240.00} to collection without notifying me they would do so. In fact, I paid {$310.00} of an initial {$550.00} balance that I negotiated down from the original {$780.00} which proves I communicated with them. I had sent a total of five payments and had the sixth check written to go out in the mail when they sent this to Hospital Collection Services whom I also contacted to say I would fight this and their response was to simply send it to collection. XXXX XXXX XXXX have failed to show proof I requested by letter and by telephone that they sent me XXXX consecutive statements of any sort of warning that I would be sent to collection. I had an array of hospital bills for this visit in 2013 and paid them all off ... .some of which were much larger. These included XXXX, XXXX XXXX, XXXX 's hospital, etc. Why would I ignore such a small bill when I paid all the other 's? Neither company was willing to work with me when I telephoned, sent letters, and after repeated phone calls explained they would leave this in collection and not accept payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: Synovus Bank
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I just lost a job because of financial set backs. So after call First Progress credit card ( synovus bank ) to discuss my situation. I was informed there was nothing they could do. Synovus Bank from then presist with reporting my pass due credit accout to all the major credit card companys 4-6 times for two months in a row. Forcing my credit to drop XXXX points in that 2 month period. I was unformed by the company that it was legal action. But I dont believe it at all. For the few months that I was current and paying extra there was attempt by the bank to report those positive transaction 4-6 per month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-27
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have written to Statebridge Compnay at least four times pointing out that they are inaccurately reporting late payment and past due information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing that they are reporting XXXX pays due on the payment status line and in the 24 month pay history ( XXXX days past due on XXXX. ) Additionally, you can see that they are also reporting different past amounts. This can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
I purchased a set of tires at Goodyear and selected the tires because of the advertised rebate of {$140.00}. The rebate came in the form of a prepaid VISA debit card issued by citibank. However, the card expired 6 months after it was received, and citibank says that the balance on the card has been forfeited. I called the customer service number at XXXX and was told that nothing could be done. 

There was no prominent disclosure of the fact that the entire rebate would be forfeit if the card was not used by the expiration date. That was {$140.00} in rebates that is now gone. Furthermore, the disclosure that came with the card said there would be maintenance fees after 6 months which led me to believe there would still be some balance remaining to use.

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 2017-02-27
Company: American Credit Acceptance, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My interest payment is XXXX and the car payment is XXXX. I was assured by the loan originator at XXXX in XXXX California, that once I purchased the van with their financing I would be able to easily to get a lower interest loan by refinancing at my credit union, however this was not correct, I went to the credit union and the purchase price was too high and the credit union would not take my loan, so I am stuck paying XXXX per month in a desperate attempt to lower the principal amount, however this is impossible. I am retired on a pension and social security and felt as though I was baited and switched on the auto loan, and taken advantage of because I was in a desperate situation regarding transportation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The name being used to identify me is incorrect. I do not have a middle name or initial. 
I have NO accounts with this initial, my birth certificate will confirm my claim. This is the 5th time I have submitted a claim for this incorrect listing of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Flagstar Bank, N.A.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is in Covid-19 forbearance yet Flgstar Bank is sending and making threating calls stating our mortgage is delinquent and demanding full payment.

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 2016-07-06
Company: Benuck & Rainey, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter dated XXXX informing that Benuck & Rainey had been assigned to collect a debt for XXXX. XXXX provided me with a medical device approximately 1 year earlier XX/XX/XXXX. XXXX 's billing process exhibited negligence and complete incompetence. They not only documented an incorrect service date, but also billed the wrong insurance carrier. I thrice informed them of the their mistakes and re-provided the correct information. Rather than correct their errors and get paid, they began billing me and ultimately assigned the debt to a collector. 

Within the 30-day window following receipt of the collection notice from Benuck and Rainey, specifically XXXX/XXXX/16, I responded by mail. In this letter I explained that XXXX was several times informed of how to correct their insurance billing error so that they 'd receive payment from the carrier. I stated that I dispute the validity of the debt, and also included a formal request that calls not be made to my cell phone number. I work evenings and my cell phone is partially paid for by my employer for work use. Benuck & Rainey has violated my debtor rights by continuing to make contact attempts ( numerous calls ; at least 2 since post-XX/XX/XXXX ) without first providing proof of debt verification, and by continuing to call a documented work number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Applying for a mortgage loan and XXXX XXXX  said when they pulled the credit report there were items in the Disputed Accounts section. I have called each credit agency Equifax, XXXX  and XXXX  and all of them say that they are not seeing the following accounts in the Disputed Accounts section but the bank says they are incorrect. Need these accounts removed from the Disputed Accounts section ASAP. they show no issues with payment history. 

XXXX XXXX XXXX # XXXX Equifax and XXXX XXXX XXXX XXXX # XXXX Equifax XXXX XXXX  # XXXX Equifax XXXX XXXX XXXX  # XXXX XXXX XXXX , Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: World Omni Financial Corp.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My son and I shopped for used vehicles at Toyota of XXXX in XXXX of 2012. I consider myself somewhat knowledgeable and am ashamed I fell for their tactics.We were pretty forcefully directed to new cars and repeatedly advised that was the best deal as it was XXXX sale. No one could advise on the price or pmt of a vehicle without talking to the finance guy. When he ran the numbers he advised the only way we could qualify was on a new car due to the " sale ''. Before I knew it he had the contract up and when I questioned the pmt which was much more than I was led to expect he explained that the only way we could get the car was to have all of these extras added on. Gap Plan, Service Contract, Maint plan, Tire Hazard and Dent repair.The car was for my son who to make the pmts and the pressure was unbelievable! I advised he could n't make the payment and he said this was the only chance to get a car due to credit issues and tomorrow the " sale '' would be over. We signed. After getting home i called and spoke to a few people in the car business who explained that what they did to us was illegal. I immediately called and advised them of what I was told and they brushed me off. I had a friend in the business call and talk to them on several occasions. I threatened an attorney and advised I was bringing the car back and leaving the keys. After repeated pressure and talking to main headquarters i still wanted to bring the car back but they advised I couldnt but they agreed to redraw up the documents as they had to admit we were right - we could n't be forced to have all of the extras in order for them to finance the car. We were threatened at that time that now we may have to provide other financing or immediately be repossessed since Toyota would only finance with this deal due to our credit. We had to wait and see. After a month a new pmt book came with a reduced pmt. I was between a rock and a hard place on this car at this point and hoped they would just take the car back. I feel we were the victims of predatory lending, intentionally misled and strong arm tactics in this sale. The car was repossessed after my son lost his job and we struggled for 3 years to maintain pmts. I had all intentions of paying as I felt my ignorance played a part in this as well. After the repossion Toyota refused to work with me even after my financials provided to them showed I had less than XXXX extra per month towards a repaymentt of the difference in the sale of the vehicle. I have both sets of documents in my possession showing they had to change the terms that I called them on in the initial sale. I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Comerica
State: NJ
Product: Prepaid card
Sub-product: Electronic Benefit Transfer / EBT card
Issue: Fees

Complaint:
I receive monthly stipend for being a XXXX via a debit card managed by eppicard, the card is issued by Coamerica Bank. I went to withdraw a payment that was just put onto the card and was told there would be a {$2.00} fee. I was told there is only one free withdrawal a month - even though multiple payments may be put onto the card each month, in place of the state sending out a check. When I questioned this, I was told the state of NJ was taking the fee - - made no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
i bought a car and it was financed through XXXX, who sold it to santander consumer usa. i am ahead by 4 payments and this company is stealing money from me. being ahead 3 payments, they claim i was past due, how that could be i do n't know. I opened a complaint with the office of the president and have never heard anything back from them. Since the account showed past due i did n't want anything negative on my credit report so i made another payment, which made me 4 payments ahead. they took the whole payment and applied it to interest that has n't even accrued yet. So in short they are stealing from me and right in front of my face. I was told by a representative in the office of the president that its standard practice to to collect interest that has n't event accrued yet, which is theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Scott Carruthers Law firm claimed to be a debt collector for XXXX. Scott Carruthers Law firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to XXXX. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX Scott Carruthers Law firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX but nothing about a law firm. I then called Scott Carruthers Law firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from Scott Carruthers Law firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-11-24
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
AT & T Universal Card ( MasterCard ) cancelled our account without providing any notice on XXXX/XXXX/16, even though I used my card successfully on XXXX/XXXX/16 at XXXX to place an order for about {$50.00} ( Order Number # XXXX ). I tired calling AT & T Universal Card to have the account reinstated but they said no, that we would have to re-apply. I have no problem doing so, but we should n't have to go through that. Account closures affect credit scores and thus I would appreciate your help to get this account reinstated.

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 2015-05-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a s resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXXBest regardsXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief