BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-29
Company: Meridian Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Meridian financial placed me in for collection without notifying me. My credit score went from a XXXX to XXXX. I was n't given an opportunity to discuss and or pay a debt that was 5 yrs. old prior to them killing my credit. I contacted the time share and solved the problem in a 20 minute phone call. When I called them Meridian to tell them that this was a misunderstanding and the debt was paid, ( without there help ) and that I would appreciate them clearing my name I was told and lied to about how they spoke with my husband ( XX/XX/XXXX ) ..who died in XX/XX/XXXX. And how they sent numerous letters to an address I never lived at. And how this will be staying on my credit report for 7 years!!! I think it is unfair for a company to have so much power that they are able to wipe a persons credit out with the stroke of the keyboard. I am asking that this mistake does n't wipe out 40 years of exemplorary credit! My credit is who I am and it means the world to me. As a widow I would not have been able to provide for my children. Now as an XXXX adult I must maintain great credit to survive. Thanks!!

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 2018-05-30
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT NUM FOR CONTRACT WAS WRIITEN AS OFXX/XX/XXXX THE INTEREST RATE WAS 25 % ON THE 3YR  INSTALLMENT LOAN XXXX FOR 36 MONTHS ALSO HAD GAP INSURANCE THREW THE COMPANY CREDIT ACCEPTANCE COORPARTION PUT A TOTAL {$5000.00} DOWN THE VEHCILE WAS AXX/XX/XXXXXXXX WITH XXXXMILS ON THE VEHCILE WE WAS ALSO FROM CAC TOLD US AT THE TIME IF ANYTHING WAS TO HAPPEN TO VEHCILE WITH IN THE 3YRS OV BEING TOTAL THE COMPANY GAP WOULD GIVE US THE FULL PRICE OV WHATEVER THE DAMGES. THE GAP INS WAS SECONDARY INS. FAR AS THE CURRENT INS IF OUR CAR INS DID NOT COVER .THE XX/XX/XXXX XXXX   PRICED AT XXXX $ THE END OV THE CONTRACT ME AND CONSIGNER WOULD PAY XXXX AFTER EVERYTHING WAS PAID TOTALLY CREDIT ACCEPTANCE COORPRATE OFFICE IS LOCATED IN XXXX MICHIGAN PH # XXXX  FOR THE CUSTOMER SERVICE DEPARTMENT

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 2016-12-09
Company: Dyck-O'Neal, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Client in the process of selling their property. A lien popped up on title from an old XXXX account. The company purportedly handling the lien is called XXXXXXXX, XXXX, TX XXXX. Despite being asked on numerous occasions to provide a payoff to escrow, they have refused. The seller ( client ) now is being threatened with a lawsuit by buyer because of this company 's actions. XXXX is in violation of XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: EQUIFAX, INC.
State: MO
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:
My identity has been compromised and reported. The aftermath of this has left me with unknown and unauthorized accounts reporting to my credit file. I've previously requested a Method of Verification and physical documentation for these accounts but never received anything. Again I'm demanding that these unauthorized accounts be removed and blocked from my credit file. 

1 ) XXXX  {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$420.00} 3 ) XXXX XXXX XXXX {$240.00} 4 ) US Dept of Education {$4300.00} 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$0.00} 7 ) US Dept of Education {$0.00} 8 ) XXXX XXXX XXXX XXXX {$21000.00} 9 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was provided a preapproval letter and provided that to my agent snd the listing agent and then was told after receiving the letter that I needed to pay off a vehicle and a small loan to qualify. That information was not listed in the preapproval and then the Loan Officer advised the listing realtor that she did not provide a preapproval for myself. I have put my monies down and paid for an inspection for this home and now I have nothing and I look like a buffoon and a liar. This is very unfair and I just wish for a resolve to help me so that this company will not do this to anyone else. The company in question is Cardinal Finance and the Loan Officer is XXXX XXXX. She began as a very pleasant person but it ended as if she felt as though I was a second rate citizen who did not possess the know how snd I have made two purchases for homes prior to this experience and it was not like this at all. Falsifying paperwork to provide to other entities and using verbiage that is not viable to your request again is unfair. If I did not meet the criteria for the loan then she should have not provided a document for preapproval she should have only provided the document for what I qualified to received which she told me that I only qualify for XXXX through their automated system and not XXXX or XXXX which ground gave subsequently been the loan amount after the down payment. Please help to resolve this issue so that other consumers like myself can be clear or in essence set in place that a lender can not issue a preapproval for an amount without ensuring that the borrower is clear on any conditions prior to releasing that document and publishing it on their companies dashboard for the consumer to docusign and accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I contacted Eastern Account Systems and advised them that the account obtained by them from XXXX XXXX was a result of identity theft. The account was previously with XXXX XXXX XXXX and they voided the account as a result the account was removed. 

The first representative i spoke with advised me to send my former complaint with CFPB. The second representative wasnt helpful at all and told me SHE could not clear the account. The service address for the account is somewhere I have never lived. I gave NO ONE my authorization to obtain a XXXX account in my name. I also was out of the country training for my job when the account was opened and obtained the account. 

I am also mailing the " present '' collection agency an identity theft affidavit notarized, my dispute letter, and a copy of 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 2021-11-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I need the following removed off my equifax account, Ive tried to resolve the issue with them and sent in identity theft paperwork. 

But now I can't even see my credit report on the Equifax website. Only shows 1 account so they won't let me dispute. I had to pull this from XXXX XXXX to see what's on my file.

Accounts needs to be removed XXXX XXXX/XXXX  Closed Closed XXXX XXXX XXXX Closed Closed XXXX XXXX XXXX XXXX Closed Closed XXXX XXXX Inquires All inquiries need to be removed, I haven't applied for credit in over years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Freedom Mortgage Company
State: NV
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: Problem with personal statement of dispute

Complaint:
I tried to make a payment on the XXXX of XXXX and the system made me pick XX/XX/XXXX as the payment date causing it to be a 30 day late. the check submitted cleared and i was told to dispute it through the credit agencies and that it should be fixed. the company has refused to do so.

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 2017-10-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have American Express XXXX XXXX XXXX XXXX, the offer for my open the account is XXXX Points if I spend more than {$2000.00} in the first 3 months. 

And then I got an Email from American Express said " We recently noticed point accrual and redemption activity on your Membership Rewards program account that indicates an effort to obtain and use points in a manner that is not appropriate. " And from XXXX/XXXX/2017 to XXXX/XXXX/2017 I have {$1600.00} on the statement, {$110.00} on total balance now and {$2100.00} on pending. 

I used that card as usual and definitely will get the requirement of the open account offer soon, I do n't understand why American Express give me the rewards points before I meet the requirement and take the points back. 

I have tried to contact them to fix this problem, they told me the reason maybe is this I bought the fight ticket from XXXX and returned ( showed on my statement in attachment ), in fact, I have changed the travel plan and bought the ticket from " XXXX XXXX '' used the same card ( showed on screenshot of sending activities ). This is very usual consumer behavior for everyone!!! This is unfair treatment!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This creditor has continued to harass me over and over again I have explain to them that this is not my debit my identity was use fraudulent by someone else not me the debit is by CCS the original creditor is XXXX which I have never gone there or went to get any work done by that company I have a credit freeze I am a victim of identity theft my police report is on file with all three credit company and they still want remove this off my credit this account number is XXXX the date is XX/XX/XXXX date reported the date assigned was XX/XX/XXXX collection account. Account # XXXX THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : CCS Collections, XXXX XXXX XXXX, XXXX, MA XXXX Phone : ( XXXX ) XXXX CCS Collections XXXX XXXX XXXX XXXX MA XXXX : ( XXXX ) XXXX Account Number XXXX Status Date Status XX/XX/XXXX Unpaid Date Reported Date Assigned XX/XX/XXXX XX/XX/XXXX Creditor Class XXXX XXXX Client Name XXXX XXXX Amount {$150.00} Date of XXXX Delinquency XX/XX/XXXX Balance Date Balance Amount {$150.00} Last Payment Date Whose Account Individual Account XX/XX/XXXX This company dont care if I was a victim or not they keep telling me to pay it anyway so I had no choice but to reach out to your company for help please all I want them to remove this off my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have had multiple occasions where Sallie Mae has rejected my automatic bank account payments ( which I signed onto solely so I could reduce my rising interest rates ), which then resulted in a $ XXXX/month late fee, a ding on my credit score, and less opportunities to reduce my interest rates. I am currently in a standstill where I have my LOWEST interest rate at just under 8 %, and my highest at 10.25 %. Despite making over $ XXXX a year out of school, I am struggling to pay my ~ $ XXXX/month payment to Sallie Mae, and upon my times of calling have not been offered any solutions to reduce my rates aside from forbearance, which would result in a vast increase in interest buildup and a fee to even begin the forbearance. Sallie Mae has not been able to offer my any repayment options and basically has said that I need to seek outside options to refinance, however I do not have a co-signer figure to do so, and am rejected by said organizations despite on-time payments and my income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX credit score is being decreased when I have collections removed or paid in full. This issue is causing me financial hardship and hindering my chances of owning a home. This collection was withdrawn out of my checking account and paid in full, the creditor is still reporting that I owe it. 
XXXX  XXXX XXXX # XXXX ( PAID IN FULL ) XXXX XX/XX/21 Original creditor : CAPITAL ONE N.A. 
{$340.00} Date Description Amount Balance XX/XX/XXXX XXXX XXXX  XXXX IL Credit Card Payments Credit Card Payments - {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions 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:
XXXX  XXXX  XXXX  is XXXX  credit card which was transferred from XXXX  . This account is reporting various erroneous open dates and its reaching an account which was discharged through Chapter XXXX. Then tried to Chargeoff account which was purchase by another lender XXXX XXXX, XXXX  which dont have this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This will be my third case made with the CFPB regarding the same matter. It's regarding a cashed balance transfer check by an unknown person with an account involving XXXX XXXX. This will also be my second time filing a complaint with Capital One. This matter has been ongoing for almost six months. Every time I've dealt with Capital One, I've been given the run around only to be told it's another institutions problem. Both XXXX XXXX, and XXXX have concluded that Capital One needs to be the party to handle this investigation, because they issued the check. I am currently paying interest on my Capital One Credit card account for an amount of {$3400.00}, that I did not charge myself. It has affected my credit and not to mention the anxiety and frustration I have felt for six months. I feel like Capital One is not taking accountability, and not doing everything possible to see this matter through. An unknown source cashed a check and received the amount of XXXX, and I am paying the price for it. It is fraud or theft and no one is taking it seriously. I want this matter resolved once and for all, or my next step will be to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 : Sent letter to original creditor asking to verify debt by performing a reasonable investigation. I also requested that they send me an explanation of the investigation method they used to verify my account. 

They sent me back a letter saying they didn't know what I was disputing and to to dispute with the four credit bureaus ( Experian, XXXX, XXXX  and 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 2020-04-12
Company: SAMC Honebee TRS, LLC
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:
Dear Team - GMFS , LLC loan processing company has big issues with their IT systems. I had a mortgage payment set up via auto-draft. Please see the attached doc where payments were deducted on the XXXX of each month within 15 days of the grace period. I have never been late on the mortgage payment and they have reported it 30 days late for XXXX, XXXX, XXXX, and XXXX while it was not late. 
In XXXX, money was in the account and their system had issues and only deducted half payment and I immediately called and paid the remaining which they deducted in XXXX. 
I do not trust their system so I have removed the auto-draft and manually paying it. I am having XXXX XXXX due to this during this difficult time when you need a good score. My score has dropped with their inaccurate reporting. I spoke to them and they said they will review but have not responded yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05
Company: MID-ISLAND MORTGAGE CORP.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My taxes were not paid. I will most likely end up paying late fees because of Mid-Island mortgage incompetent service.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Financial Credit Service, Inc.
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The debt in question was from several years previous. XXXX There was no legal action at that time and no judgment etc. filed. Recently ARA Inc. contacted me by phone demanding that I pay that very old debt. The original amount of {$20000.00}. They advised me that they had contacted my bank and other creditors and determined I had the ability to pay. I told the representative that I did not like or were legally able to do so. I was told that it was determined that I was financially able to pay them. They were filing a petition to freeze or attach my assets. I advised them that the debt was very old and questioned about their ability to ignore the statute of limitations or other legal procedures provided by law. I also advised them that my income was fully XXXX compensation. I was ignored and threatened with further legal process and garnishment of my XXXX income. 

Today, XXXX/XXXX/2015, I received another call from ARA Inc. Again threatening me with legal garnishment proceedings. I asked for a copy of the original debt and again advised them that my income was from state and federal pensions. I asked that they provide the legal remedy they were claiming allowed them to garnish and collect my financial funds. They again advised me of legal action would be take. I told them that they were unable to secure my income. I was told that " they would get their money, one way or another. '' I was concerned of illegal and immoral actions to attach my income. As they have all my personal security information I was concerned of Identity Theft or other acts of harassment and possibly violence. Later this day I received, by mail, a demand for payment in full. If I disputed the debt, " this office will obtain a copy of a judgment and mail you a copy of such verification. " This blatant and obvious illegal process appears to be their standard collection practices. There will be more threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Disclosure verification of debt : Right to dispute notice not received On XX/XX/XXXX I several new negative accounts were added to my credit report. The accounts are listed as " Trident Asset Management ''. I was never informed of these alleged debts and never received a notice of right to dispute. This is a violation of the Fair Credit Reporting Act 623 - 15 U.S.C. 1681s-2 ( section 7 of pg. 81 has been highlighted in the attached document for your review ). Based on these laws I should have been notified by XXXX/XXXX/XXXX however this never occurred and I suffered financial damages as result when applying for credit. 


Excerpt from attached FCRA are below : " ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 
( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). '' See also 12 CFR Part 222, App B 70 Fed. Reg. 33281 ( XXXX/XXXX/XXXX )

Company response to consumer: Closed with explanation