BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have contacted several companies about unauthorized use of my credit report. I also, contacted Equifax and I was told by the Supervisor that Equifax does not dispute Inquiries and that there is nothing that they can do. All of these inquiries are hard inquiries that will stay on my credit for next two years. Enclosed is a copy of my Equifax entries of inquiries from my credit report with the acronym showing the length of time it will remain on my credit. I am having enough problems as it is trying to get my credit straight. I need help trying to get these inquiries off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Earlier this month ( XX/XX/XXXX ) I contacted the consumer financial bureau regarding false reporting by drive time to credit bureaus. I stated that I voluntary repoed my vehicle XX/XX/XXXX. I also stated that the company consistently falsely reported this information on certain months. I have not had an account with drive time since XX/XX/XXXX and just this month they just reported a repossession XX/XX/XXXX. this is a violation of federal law as well as the fair credit reporting act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Commonwealth Financial Systems, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX was able to place a new account on my credit while my credit is on a freeze. No new accounts were supposed to hit my account during a credit freeze and the credit report agency is allowing XXXX to report on my credit everyday to bring my score down even though my credit is on a credit freeze. All 3 of my credit files are on a credit freeze. How can XXXX enter a new account while on a credit freeze?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: CITIBANK, N.A.
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:
I was called by Citi bank yesterday letting me know that the information on my auto draft was incorrect and that my payment for XX/XX/2020 was returned, resulting in a 45 day late fee in which they admitted was an error on their part but never contacted me to correct until XX/XX/20 on which all was fixed and paid up with a late charge refund. 
I would appreciate this being taking off each of my credit reporting agencies.

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 2022-04-10
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:
My XXXX stubs account was hacked and used to purchase a A-List Membership gift card and sent to someones email for XXXX. I immediately called Capital One and was told that it will be filed as a fraud charge but I have yet to hear anything else about it and it has been almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card from XXXX XXXX. I have requested them to 'auto pay ' my entire statement balance every month so that I do not have to pay interest charges. I first made this request in XX/XX/XXXX. I soon realized that their auto pay department is paying only {$35.00} from my XXXX XXXX XXXX checking account to my credit card. I had another round of discussion with them ( first over email and then over the phone ) on XX/XX/XXXX. I once again asked the 'auto pay ' team to pay my entire statement balance automatically every month. Today ( XX/XX/XXXX ) I again realized that they are paying only {$35.00} every month and charging me interest for the rest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of mortgage that I have been paying on since 2017. The property once belonged to my deceased son, through probate court I became executor of the estate. The mortgage company listed my name on the monthly mortgage statements. On XX/XX/XXXX I applied online with the XXXXPHH Mortgage Services mortgage for refinancing of the two mortgages ( loan XXXX and XXXX ). I wanted to get just one mortgage at lower interest rate and backed by my VA certificate since I am a veteran. After receiving no communication from XXXX/PHH Mortgage Services, I checked the status of my loan application and it showed there was two tasks to complete but huge red bar at the top stating " inactive ''. There was no explanation why it was inactive or rather the loan was denied or what other reasons. This home has sentimental value to me. I wanted to assume or purchase it under my name as well as with my daughter as co-borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: GUARANTEED RATE INC.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I performed services for the banks customer. The contract was signed by the bank and there account holder. I was inform both in writing and verbally that upon completion of each section of the the job I would receive payment. 
I have completed 98 % percent of the job and I have not received payment despite constant promises of payment. But the customer and myself have signed releases and still the bank hasnt paid and is unwilling to pay. 
I have been told that payment was sent but when I check the tracking number provided by the bank for the payment it indicates that the payment wasnt sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

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 2021-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During the first week of XX/XX/2021 i notified Bank of America that I has lost my device and my card. Possible chance of it being stolen. After i received a new card i was not aware they started closing my account. It is still open and now my available funds which are rightfully mine are being held for no reason. They will not give me a date or time nor explain why said available funds are not capable of withdrawal in person

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 2023-04-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: URS Holding, LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX XXXX, by and through its current collection agency, ERS, will not respond to my requests for documentation to prove the amounts owed on loans which have - largely and likely - been paid. Every time I ask XXXX XXXX for information, they simply change collection agencies and the process begins all over again. I have requested very specific information and have requested communications in writing ( since prior discussions and promises are unrecorded and unenforceable - in addition, there is no recording of tone or threats of the collection agents ) and have received NOTHING. However, recently, ERS has continued to report negative information on my credit report resulting in a XXXX point drop to my FICO score. 
Specifically, the information that has been requested in evidence of receipt of a payment made on my student loans in the amount of ( approx. ) {$19000.00} which has not been credited towards any amount owed. I have also requested evidence of authorization and/or ownership of the loan so I can determine whether or not the ( now ) XXXX agency handling my account has to proper authority and, in addition, I seek clarification of who owns the loans. It appears to continue to be XXXX XXXX, but they have failed to credit the near {$20000.00} they received on my loan. In short, they are seeking double recovery. 
Each time a new collections agency is involved, I get a letter requesting written confirmation if a dispute is being made as to the amounts owed. Each time I dispute the debt in writing and request information, my requests are ignored. 
The prior agency, XXXX XXXX, simply walked away from their efforts. The new agency, ERS, is choosing not to communicate with me, but simply engage in negative reporting on my credit. This complaint is linked to XXXX other complaints - all against the same efforts and same " owner '' ( I think ) - XXXX XXXX and its collection agency of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS
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:
This is my THIRD AND FINAL WARNING before filing litigation against Nissan Motor Acceptance and XXXX 
The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ). XXXX has violated that code section by failing to maintain, and failing to follow, reasonable procedures to assure the maximum possible accuracy of information included in my credit report. XXXX has failed to conduct a proper and lawful reinvestigation, in violation of 15 U.S.C. 1681i ( a ). The FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation into any item that is disputed by a consumer. Murphy v. Midland Credit Mgmt., 456 F.Supp.2d 1082 ( E.D. Mo. 2006 ). The court rejected XXXX argument that an investigation solely consisting of ACDVs without seeking additional documentation was reasonable as a matter of law. 

I am a victim of identity theft and someone opened an auto loan in my name with Nissan Motor Acceptance on XX/XX/XXXX, Which I am in the military, United States Army and I was on deployment at that time in XXXX. I pulled my XXXX credit report on XX/XX/XXXX and noticed a charge off amount of {$18000.00} written off with a past due amount of {$17000.00}. Account number XXXX** Nissan Motor Acceptance.THIS IS NOT MY ACCOUNT. I contacted Nissan and Experian about the matter. NissXXXX and XXXX are still reporting this fraudulent account to third parties which is hurting my reputation to attain credit. After researching, Ive founded that FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : which XXXX has failed to do so. Also, the XXXX Nissan Motor Acceptance was just updated with a recent payment of {$2.00}, which is a violation of the FCRA which re-ages the account. Please check attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: SIMM Associates, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Simms Associates is a debt collection agency that initially contacted me on XXXX XXXX 2015. I was greeted by a representative who kept asking me for my name, social security and address. She specifically asked for me via phone when she called my workplace and after providing my social security and DOB, she said that was not what she had on file. After a few minutes of determining that the other family member, my grandmother 's information was the XXXX on file ( she allowed me to provide her SSN and DOB and then gave me all the information regarding the debt ), she informed me of the balance I owed and with what company the charge off came from to collect the debt. I informed her that I am unable to make lump sum payments due to other debts accrued from student loans, and after she implied by stating that if I do n't pay, they do n't know what would happen, I may go to jail or get sued or go to litigation, that I was forced into making some sort of settlement. We ended up with {$25.00} from my checking account until I could pay them more. 

After feeling cornered and coerced into sending in a payment, I filed a complaint with their local XXXX in Delaware. The only response received was that they would provide a verification of debt. Like the rep 's " I will email you a receipt '' issue - neither came via email or regular mail. I assumed that our debt was already in repayment and never checked back again. 

Apparently they decided voluntarily to not accept payments arranged, because no automatic payment was posted to my checking account in XXXX. I called on XXXX XXXX and they refused to let me provide the same information the previous representative allowed me to provide. They refused to let me provide any sort of information and repeatedly informed me they can not talk about this account any longer. 

I submitted a second complaint today to the Delware XXXX after talking with XXXX XXXX who charged off the account and put Simms Associates in charge of collecting my account on their behalf. XXXX collections department representative filed the complaint, and agreed to take payments direct from me and not through the Simms Associates. I informed Simms via the XXXX complaint of this outcome. 

I feel that their collection practices, especially casually implying that I would go to jail or get sued just to get payment out of me was flat out wrong. There are several online complaints regarding their practices. 

I can not believe that they refused to let me pay! How ridiculous is that. I hope that someone takes care of this business and ensures that they are unable to threaten or coerce other people out of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor, continues to change the amount of debt upping by XXXX dollar a month to hurt my credit more. Currently the balance owed keeps going up from original amount, just to continuously drop my credit score. Falsely showing I owe more than I do..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied for public service loan forgiveness on XX/XX/2020 after making 120 qualifying payments. I have now waited over 3 months, with no official answer from Fed Loan Servicing regarding the status of where my application is in the process. I have been told various things by different representative from Fed Loans, including information that my loan has been sent to XXXX ( one representative said in XXXX, one representative said in XXXX, one representative said is has not yet been sent ). I have also been told that once my application is sent to the XXXX, then XXXX has up to ANOTHER 6 months to process my application. This time frame is beyond acceptable. If one were to lose their job, the whole devotion of now over 10 years/120 payments for public service loan forgiveness would be for naught. It is frankly criminal that Fed Loans/Dept of Education is taking so long in processing loan forgiveness, potentially leading to applicants not qualifying for forgiveness if they lose their job in this uncertain economy. 

Please assist in reviewing my case. I have contacted the XXXX ombudsman as well in XXXX, who stated my application " was in process '' within the expected time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
In 2019 I was in a bad place financially, So I reached out to Capital Auto Finance to set up a payment plan/arrangement so I wouldn't fall behind on my payments and have late payments reported to the credit bureaus. Capital One Auto Finance agreed and accepted this arrangement. For whatever reason, they reported late payments for all of 2019 to the credit bureaus which have damaged my financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Netspend Corporation
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I filed my income taxes to turbo tax .I was supposed to have my refund direct deposited onto a prepaid debit card from net spend. I never received it and I called NetSpend they cancel my acardand I have not been able to receive my refund .they said they sent my refund back the IRS but I have information that it 's in an account At XXXX bank. I have a letter of reserch stating wher my funds was deposited. i just dont know how to attach the documment in this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had an checking and saving account with Huntington Bank. I noticed charges were made on my account that I did not authorize. I called twice to cancel my card, change my address and submit a dispute of unauthorized charges. I was told both times it was taken care of and it was not. I then had to go in a branch to finally get it taken care of. I was denied on my despute of the unauthorized charges because they said I had my card on hand. Of course I did but that did n't mean my card number was not stolen and someone was using it. A month or so prior I also called and asked to cancel all of my checks because they were stolen and unauthorized charges were on my account as well. The repersentive I talked to only canceled certain check numbers which is not what I asked. When I went on my account and looked through the history of my account there was checks written and the money was taken out of my account. I was denied by Huntington because they said I never called to cancel my check books, which I did as well as denied numerious charges I never made because I had my card on hand. Someone got my card number and made charges I did not authorize as well as my checks that were supposed to be cancelled. This was months of disputes, a lot of money stolen from me and the account remains closed with me owing over draft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax did NOT properly investigate my complaint, actually they did n't investigate the matter at all. I submitted a complaint against XXXX because they had been inaccurately reporting late payments for a period of 3 years or more. I provided Equifax with all of my bank statements showing that I 'd NEVER missed a payment. Equifax simply asked XXXX if the information they reported was accurate, XXXX responded and Equifax simply did nothing. They did not consider the indisputable evidence I provided. They did absolutely NOTHING! I had to take matters in my own hands and file a complaint against XXXX through the CFPB website and at that point XXXX was able to confirm my complaint was valid and they have now corrected the errors. In the attachments you will see a letter from XXXX confirming I had NEVER missed a payment. Equifax needs to immediately do a recast of my FICO score and update their report. Equifax needs to be held accountable. If they are required to investigate then they need to do an actual investigation which would include considering evidence! I filed a dispute with Equifax TWICE and they still refused to investigate my dispute. Someone needs to educate them on what an investigation is.

Company response to consumer: Closed with explanation