BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: Capital Management Services, LP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A debt collector contacted a relative of mine. They left a voicemail calling for me stating that they were a debt collector and this was an attempt to collect a debt. The number they called in registered in someone else 's name and obviously not my number. They disclosed information to an unauthorized third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: SC
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:
Equifax Information Services LLC is continuing to list a fraudulent address and a fraudulent inquiry on my credit report. I have written them on several occasions and alerted them this information is fraudulent and have asked them to remove it. There is a fraudulent address from XXXX IL and a fraudulent inquiry from XXXX CRD SVC listed. I have written Equifax Information Services LLC on several occasions that these items are fraudulent and have asked them to remove them. They ignore me and never respond. Please make Equifax Information Services LLC remove this fraudulent information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection.

Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , Equifax , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, Equifax and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, Equifax and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient is the holder of my student loans. I 've come to learn that they have broken my 4 consolidated loans into 18 different loans to create higher interest rates for me. They also, have failed to notify me more than once that my IBR was going to expire, because for whatever reason only know to them, they changed the contact information they had for me to an address I have never lived at, a phone number I have never had and email address I have never had. I discovered this after they directly took out over {$700.00} out of my checking account and placed my account well below a zero balance. To fix this problem I had to spend more money to get placed back on an IBR, because they have " policies '' that basically exist to bilk money out of people for their mistakes and you basically have to do it like I did to be spared from more financial scrutiny at their hands. I was never given a choice to have Navient as the company holding my student loans and clearly they have lied to me and looked to make it impossible to pay-off my loans plus interest in my life-time. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
HSBC after foreclosing a loan in XXXX and sold the property for more than the mortgage amount, they recently updated my XXXX credit report and placed a new foreclosure for XXXX in my credit report to destroy my credit for the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear CRA/CFPB ; XXXX XXXX XXXX ; ***see attachments*** I was going through my credit report again this morning, and Im so sad, depressed, stressed out on the way this account from Santander XXXX  XXXX XXXX XXXX XXXX ( # XXXX ) is still reporting on my credit report, and it looks like you completely ignored my previous request to investigate and delete due to several violations, inaccuracies and inconsistencies but yet, you sent me an random genetic letter saying that you VERIFIED as accurate. 

I believe I have the right under consumer laws, such as FCRA to request as such. Ive attached and circled some factual errors on this account ; such as inconsistencies with payment history, payment status, dates of last active are so different between XXXX, Transunion & XXXX, XXXX, XXXX, etc, different dates of last payment, different dates opened, different last reported, questionable balance, responsibility status, questionable HIGH balance, etc. 

This is obviously errors and violations and demand an immediate deletion from all the 3 major credit bureaus, because Its impossible that this account can be investigated as being accurate due to it being misleading, inconsistent, inaccurate, incomplete, and unverifiable, and therefore its not in compliance with the consumer laws.

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 2015-03-24
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a vehicle loan with GM Financial ( Acct # XXXX ) which I refinanced to XXXX XXXX XXXX XXXX XXXX XXXX last month. At the time I refinanced my payoff amount with GM Financial was {$28000.00} and XXXX XXXX XXXX XXXX XXXX XXXX wrote them a check for that amount on X/X/17. GM Financial cashed tgat check on X/XX/17 but has not applied the funds to my account, trying to charge me the full balance of my loan plus additional interest since the time of refinance. They initially tried to tell me that the bank reversed the payoff but I have proof that the check was cashed by them. I have made numerous calls to GM Financial, as well as my bank, and faced GM proof that they deposited the check written to them like they requested. They still have not applied the funds they have recieved to my account resulting in me being charged on two loans for double the amount I should actually owe. This has also adversely effected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft. My Capital One credit card ( XXXX ) was maliciously accessed by a third party and fraudulent payments were made without me being aware. All of my accounts, including this Capital One credit card have always been paid on time with ZERO lates up until the fraud occurred. Sometime on XXXX 2017, I received a notification from my credit monitoring system that one account is reporting a 30 day late. After further investigation, I found out the account in question was a Capital One credit card ( XXXX ). The fraudulent payments led to my account closure by Capital One. I contacted Capital One at least 7 to 8 times and each time I was given conflicting statements. Some representatives claim a request was put in with the bureaus to get the 30-day late mark removed and some others say it 's not possible to get it removed. 6 months later, it is still showing a 30 day late due to fraud. I submitted disputes with all 3 bureaus to non-avail. Please find a police report attached and kindly remove the 30-day late mark from my report. I was not the one that initiated the fraudulent payments. I corrected the situation as soon as I could and the account is now paid off in full. I appreciate your help and cooperation in this matter. I have been a loyal Capital One customer since I was XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Credit Acceptance on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Credit Acceptance took cash. The Finance charge is supposed to include insurance, Credit Acceptance made me purchase my insurance separately.

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 2017-03-07
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
For the following two loans
  1-01 DL Consolidated - Unsubsidized, disbursement date XXXX
  1-02 DL Consolidated - Subsidized, disbursement date XXXX
Navient lists XXXX as the receiver. I did not go to XXXX in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: All State Credit Bureau, Inc.
State: MI
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:
All state credit bureau made contact on two phone lines on Wednesday XXXX XXXX 2017, after we have requested through various sources for them not to make any contact. Though one call was not accepted due to our agreement, a call on our second line was recieved and XXXX agreed to settle the balance in full though a one time payment in exchage for removal of all references to the credit reporting agencies. The business said it would not formally do a pay for removal but that one the debt was paid, they instructed us to dispute the information and they would then allow the debt to be removed. this agreement was given on a recorded line by both myself and the business and multiple representatives have confirmed. we also have received this agreement with an expiration date of XXXX XXXX in writting from the business. In good faith i will make arrangments for the debt to be paid as we agreed and request that the business remove all references of the above mentioned account from all credit reporting agencies within 30 days and then resume our no contact agreement and make no further contact or attempt to collect on debts allegedly owed even though no contract exsists between the pittmans and all state credit bureau inc. While All-State Credit bureau inc is  already in violation on FDCP law XXXX. Communication in connection with debt collection because they have attempted to make contacted after being asked not to in writting, we will not at this time pursue legal action as long as all parts of our agreement both written and verbal on recorded line are honored. if not we will invoke our right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX This is a response by to a letter that was sent to me onXX/XX/XXXXstating if I 'm not satisfied with the response from Ocwen Loan Servicing that was sent to you to reply or you will close the file. After gathering document to show that I was force into a medication from Ocwen after being dismiss from bankruptcy, a class action law suit was file against Ocwen and I receive a letter dateXX/XX/XXXX stating if I did nothing I would be part of the law suit letter enclosed ) I have never anything from the suit, and CFPB was involved in the law suit against Ocwen. Furthermore Ocwen state that I requested a modification and was approve for HAMP modification but there is no indication this HAMP modification is a SILENT SECOND MORTGAGE I would have not requested XXXX added to my loan if they would have stated that it was a second mtg. Guideline to what a silent second mortgage is enclosed. and according to RESPA the mortgage company is suppose to provides consumers with improved disclosures of settlement costs and to reduce the costs of closing by the elimination of referral fees and kickbacks. and I 'm still ask Ocwen to clearly show what the XXXX was applied to and what did Ocwen send to IRS interest that was paid by buyer for the time XXXX. Could not enclosed the silent second mortgage will send later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Someone called my home, continuously. I called the number. It belong to Transworld System Collection Agency. The person talked too fast, and I could not understand what her name was. She asked for a person who does not live at my home. I told her that no person by that name lives here. I asked her not to call my home again. She became rude, and told me she could call, and they do not follow the do not call list She tried to tell me that she could call as long as the person ... I hung up on her. But I did ask her not to call again ( XX/XX/2017 ). I looked up their information, and there have been several complaints about this company. They are using unfair and harassing tactics, according to some complaints on the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Consumer alleges that : - Consumer was approved for a Barclay card in early XX/XX/XXXXfor a {$12000.00} limit - Consumer was verbally provided disclosures about balance transfer offer on a recorded line - Consumer was also provided online link to disclosures and paper disclosures in the mail - Terms and conditions specified that a balance transfer to a non-credit card loan need to be done manually by calling customer service after the card is approved and received in the mail - Consumer did call Customer Service on XX/XX/2017, but was denied the balance transfer opportunity due to system limitations not being able to balance transfer to a line of credit at a Credit Union - Consumer filed a complaint with Barclays over misleading information and non-compliance with the card 's Terms and Conditions.

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 2021-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had fraud on my edd account in the amount of {$23000.00} I first applied for our and nothing happened and it was too much a hassle so I went out and gained legit employment at XXXX XXXX Covid pandemic caused hours to be cut at XXXX and I was let go. At that time I immediately applied to get my unemployment benefits. That is when I found out that bank of America sent a debit card in my name to XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX CA XXXX. I have never known this address nor is it associated with me. So while I was certifying every 2 weeks the people who live at this address were busy spending my edd benefits. B of A has had my money froze since XX/XX/XXXX when the closed the account. I found out about all this in XX/XX/XXXX. Thats is my money and now bank of America c a is telling me that I am responsible for this money. They gave provisional credit to me and debited it back out within one hour. This is crazy and is now causing unbelievable hardships. I've had a XXXX XXXX and be hospitalized 3 times as a direct result from the stress of all of this. I need to get my rightfully due benefits immediately. I no longer have my benefits sent to a incompetent and of America I get paper checks directly. Give my money back bank of America. Now

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 2017-03-16
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have appreciably {$95000.00} in student loan debt. I have been on an income based repayment plan for many years, and renew it each year by providing my tax returns and/or pay stubs. 

My income increased last year. I filed the paperwork to renew the income based repayment plan, aware that my monthly payment amount would increase. I was surprised to find howeveer that my payment had increased to 400 % of the prior year 's amount. Because I can not afford the newly recalculated payment, and because Navient 's website states that it will work with borrowers who are having trouble paying, I reached out to see what could be done. 

I informed the company that I was willing to extend the term of my loan or look at any other options that would prevent me from defaulting. I was told that my income based repayment could not be adjusted. In an online chat with Navient. was told that I could call the company, make a payment of whatever I could afford in order to exit the income based program, and then the company would help me enter into another payment plan ( such as an extended repayment period ) that would help me afford my payments. I called the company to do so ; and was told that I would need to make an immediate payment of $ XXXX in order to exit the income based plan and to even see what my options would be under another plan. Shocked, I said that I could not afford $ XXXX immediately. The representative suggested I enter forbearance on my loan. Because I could not see another way to avoid default, I agreed to enter forbearance. 

Because I had received conflicting information from two different Navient representatives, I called the company again. I explained that I wanted to make the payments that I could, that I did not want to be in forbearance, and asked that they please help me enter another plan. Again I was told that I would have to pay $ XXXX in order to even see my other options. 

At this point I am still in forbearance although I am paying what I can on a monthly basis so interest does not continue to accrue, but this is not a long term solution as forbearance is limited.

Company response to consumer: Closed with explanation