BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Opportunity Financial, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a {$280.00} balance left over from a {$1200.00} installment loan and I noticed the next week my balance increased to {$380.00}. I spoke with XXXX and the disputes manager and she left me know that I had been overcharged due to their systems error. She assured me that my account will be corrected within 48hrs, but it has now been two weeks and even though I've called at least 4 times they keep telling me the same thing and reporting false information the the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Credit Central Holdings, LLC
State: AL
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 have made plenty attempts to this company credit central has relentless abused my credit with this fradulent account they will not remove this account.open this second account with out my authorization..I have sent them a ftc report they refuse to remove the account.. I will be placing a lawsuit against them if account doesn't get removed..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am paying on a bill directly with the provider XXXX. I am actually close to paying the account off as the bill was reviewed and I was granted a discount. In the process of the bill being reviewed, the account was turned over to Receivables Management Partners for collection attempts. Not only are they requesting the full amount of the bill from me, but I am being harassed by them on a daily basis. I have called them many times to advise. I emailed them ( per their request ) proof of payment and the letter from XXXX advising the discount on both XX/XX/2019 and XX/XX/2019. I know that they received my emails as I put a receive receipt on it. I have informed RMP many times that I am already paying on this account and they need to remove my account from their system. I even spoke with XXXX, and they confirmed that they notified RMP In XXXX that the account should be removed. I have no idea why I am having to do so much leg work on something that is not my fault. 

Example of Calls- XXXX One call XXXX 3 calls XXXX 1 call -These calls are from numbers that I was able to identify. I am pretty sure that there are more as I have a ton of missed calls from unidentified phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hi ; I just call because I have a lower payment years ago. Then i have difficult payments with the expiration number card that i put to pay monthly. Now i call to consolidated my loans and have a goo payment to pay again my loan. Then require my personal information and i said that i have a lot of things that i have to pay monthly. 

The company send me a communication and send me 2 payments methods to high for me to pay. I also say that i can pay $ 120 monthly for my loan. When they tell me that i have to pay {$290.00} monthly. Honestly i need your help because i dont have that money to pay my loan. 

Please let me know how you can help me. my email. XXXX Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
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:
The account status on this account is incorrect. This account is too old to remain on my credit file. The date of the last activity is over 7 years old. The account I am disputing is : Account : XXXX - XXXX XXXX Balance : {$8900.00}

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 2017-03-15
Company: PLANET HOME LENDING, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Planet Home Lending is my mortgage servicer and they are not crediting my monthly payments to my account in a timely manner. I mailed check number XXXX in the amount of {$1000.00} in XX/XX/XXXX for a XX/XX/XXXX payment and the company still has not cashed the check ( today is now XX/XX/2017 ). Planet Home Lending has also locked my online account and will not distribute a monthly statement so that I can see my mortgage account information. I have sent a written notice to the company in XX/XX/2017 to request that I start receiving paper statements again but they have not responded to my request, nor have I started receiving statements for my account. This company is very unresponsive to my written requests and now they will not deposit payments received to this account in a timely manner. It is almost as if they want the account to default by way of not honoring my payments. I would like help in having my payments posted timely and also receiving a mailed monthly mortgage statement from this servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: FL
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:
therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I ) to ask that you provide me with the following information : 1. The date you contacted the creditor. 
2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ON XX/XX/2020, MY EQUIFAX AND XXXX  SCORE DROPPED 191 POINTS DUE TO XXXX   REPORTING THAT MY ACCOUNT WAS 60 AND 30 DAYS PAST DUE, THEY REPORTED TAHT I MISSED TWO PAYMENTS, THAT IS NOT TRUE, I RECEIVED MERCHANDISE THAT WS BROKEN BY THE DELIVERY DRIVER, I CONTACTED XXXX AND WAS TOLD NOT TO MAKE A PAYMENT UNTIL THE FURNITURE WAS FIXED, I SPOKE WITH XXXX ON XXXX, SHE INFORMED THAT THE CREDIT DEPT WSA CLOSED AND THAT SHE WOULD SEND THEM AN EMAIL SO THAT THEY CAN CONTACT ME, I SPOKE WITH XXXX XXXX ON XXXX SHE ASKED THAT I FILE A DISPUTE WITH THE CREDIT BUREAUS SO THAT IY COULD BE ESCALTED XXXX THEIR CREDIT DEPT, SHE TOLD ME THE ONLYWAY FOR THEM TO REMOVE THE MISSED PAYMENTS WAS TO FILE A DISPUTE, I RECEIVED ANOTHER PHONE CALL ON XXXX FROM XXXX XXXX SHE INFORMED ME THAT SINCE ITS BEEN THREE MONTHS AND THE FURNITURE COMPANY HAS NOT FIXED THE BROKEN MERCHANDISE THAT THEY WILL EXTEND THE 90 DAY SAME AS CASH TO AN EXTRA 30 DAYS SO INSTEAD OF BEING XX/XX/XXXX THAT THEY WILL GIVE US TO XX/XX/XXXX TH XXXX TO HAVE THE 90 DAY SAME AS CASH, SHE ALSO INFORMED ME TO FILE A DISPUTE WITH THE CREDIT BUREAUS AND ONCE THE DISPUTE IS RECEIVED TAHT XXXX WOULD APPROVE THE DISPUTE AND THE LATE PAYMENTS WOULD BE REMOIVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, I received a XXXX Cancellation of Debt notice from Wells Fargo Bank on the XXXX portion of an XXXX interest-only mortgage that started in XXXX. The debt description was a CFPB Charge Off with an Identifiable Event Code of " F '' ( By Agreement ). This closed account is now appearing erroneously with an " FP '' or Failure to Pay status on my XXXX and XXXX credit reports. In XX/XX/XXXX, I refinanced the remaining XXXX portion of the loan into a conventional 30-year mortgage. I request that the account be removed from my XXXX and XXXX credit reports. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: World Acceptance Corporation
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a credit extension in the amount of {$500.00} and was denied by World Finance XX/XX/22. They denied me when I was only applying in XXXX XXXX pursuant 12 CFR 1002.2 ( r ) with honesty in fact in conduct or transaction. They denied me my right to exercise in good faith, of any right under the Consumer Credit Protection Act, pursuant 12 CFR 1002.1 ( b ). This has caused me tremendous stress due to unable to provide for my family. They also obtained my credit card pursuant 12 CFR 1002.2 ( k ) ANY card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was used my social security card. They received the benefits from my credit card and I received nothing in return. They discriminated against the applicant ( me ) by mistreating me less favorable than other applicants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal XXXX XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Around XX/XX/XXXX, I received a notification from XXXX XXXX that I had a student loan account that was reported as a delinquent. As a result of the information provided by XXXX XXXX, I was able to contact my federal student loan servicer ( Nelnet ) and let them know that I had received no prior communication from them, and was unaware that they would be servicing my federal loans. During our initial conversation, they even verified that they had my appropriate email address and phone number on file. At that time, I was notified by a Nelnet representative that I could consolidate my loans, which would bring the accounts current and that they would remove the negative report from my credit score. 
On today, XX/XX/XXXX, I applied for credit for a separate loan product with another company and received a notification that I was denied due to the delinquency still being reported on my credit report. I then called Nelnet, who informed me that the information that I was given by another one of their representatives was false. The representative I spoke to today, also initially claimed that she couldn't find in their records when someone would have told me this, which I believe to be a lie in an attempt to cover up the false information that I was given, as she later stated that I had previously spoke to four different people during the time of my initial complaint with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony Bank sold my account XXXX to a collection agency, who stated that they would reach out to lender to confirm agreement to pay and update account. 

The agreement was to pay {$350.00} which would settle account and would deem account balance settled in full. It has been my understanding with discussions with the collection agency that this was a " pay for delete '' although I never received confirmation.

This amount has been paid, as agreed.

The credit card company bank Synchrony, continues to report a " past due '' balance of {$100.00} in addition to collection/charge off status. Both of these descriptions are an unfair business practice intended only to undermine my credit rating. ( the company and/or collection agency initiates settlement ; I agree, they collect settlement but continue to report inaccurate information even though they have received {$350.00} as " payment in full. '' The credit agency states that Synchrony must update my credit file, Synchrony sends me back to the credit agency stating that at some point they will send payment confirmation and update my file.

Both, Synchrony Bank and the credit agency appear to participate in a joint unfair practice towards me, which involves ( a ) collecting legitimate debt the original lender is owed ( b ) abandoning any and call meaningful contact that would result in anything near-positive that reflects an update on the account and my credit file.

This complaint does not dispute the debt owed. However, it appears that the lender 's practice is malicious and unfair. They appear to be taking advantage, while purposely not reporting accurate information on this particular account, which has been resolved.

Synchrony Bank does not care, and has displayed an utter inconsideration towards customers who have made efforts to resolve their debt with them amicably ; they have sold debt to collection agencies at a discount, benefitting from writing off the debt " as losses ''. Furthermore, they have reported my debt in this case and others as still old, derogatory and anything that would resemble an effort on my part to demonstrate a reasonable resolution.

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 2018-11-05
Company: BTH Management
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2017 I entered into a payoff agreement with XXXX. This was to split my balance owed of XXXX into 4 payments of around {$260.00}. I have successfully paid cash advance debts to this company in the past without any problems. The first payment came out as expected with no problem. I then received phone calls saying that I didn't have the funds available and my payment bounced. This was not true and the payment came out with no problem and I have proof that it did. I explained this to the lady at the local office and she said they were having problems because they updated their system. I also spoke to someone in the collection department and she had me fax my proof which I did several times and then she said they wanted my full bank statement and I also faxed that. I soon started receiving collection calls and I saw they still didn't show my payment and added a fee on top of that making the balance {$1100.00} when I only owed {$850.00}. I said I would pay the {$850.00} if they corrected the amount. 
I had not heard from them in a while and I saw on my credit report that they sold the debt to a company : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX and they are reporting I owe {$1100.00} I sent them a letter with my proof and they have not replied nor have they adjusted the amount and I also notified XXXX XXXX and enclosed my proof which is my bank statement with the payment clearly labeled XXXX taken out as I said and XXXX XXXX responded and sided with the company saying the debt is valid. I am aware I owe them {$850.00} but not {$1100.00}. I do not know where else to turn and I don't see how they could possibly dispute my bank statement proving this. I have been trying very hard to keep my credit clean and I am very upset with this situation and any help you could offer would be greatly appreciated. 
Thank You, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: SYNCHRONY FINANCIAL
State: VA
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:
I keep receiving billing statements from Synchrony Bank for an Amazon Prime-branded credit card that I don't even have, never used, and do not want. The only reason I know the account number is that it is printed on these bogus statements. Synchrony and Amazon appear to be piling on late fees and interest charges for purchases I never made, on a card I've never seen, much less activated or used. On XX/XX/, I wrote to Synchrony instructing the bank to reverse all charges and close this account. Synchrony ignored my request, and continues to send me illegitimate billing statements. I need CFPB 's help getting Synchrony to clear my name of these purported charges and close this bogus card 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 non-monetary relief
Consumer complaint received 2023-01-25
Company: AMERISAVE MORTGAGE CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Note to Customer Service at Amerisave Mortgage Subject mortgage loan In reference to my XX/XX/2022 mortgage payment. 
This was verified on the phone with customer service on XX/XX/2022. 

My mortgage is roughly {$1400.00} and due on the first of each month. 
I sent in partial payment on XXXX XXXX of {$1000.00}. to be applied to my XX/XX/XXXX payment. I then sent in the remaining {$450.00} on XX/XX/XXXX to be applied to my XXXX mortgage payment. 

The {$1000.00} that was sent in on XX/XX/2022 was applied to principle and not my XX/XX/XXXX payment. 

Amerisave mortgage was in the middle of selling our loan to XXXX XXXX 
When I called Amerisave mortgage in XXXX when I received notification that I was overdue, they had already put a mark on my credit as a late payment. My understanding is your payment is not late until the XXXX of the month. They said I needed to obtain a credit report to show them that they made the error? 

While I realize my credit is normally outstanding, over XXXX, it is now in the mid XXXX. 

My loan was sold on XX/XX/XXXX to XXXX XXXX and they reversed the principle amount to be applied to my mortgage. My complaint lies with Amerisave Mortgage in applying a mark to my credit, when my payment was not late. 
Please help me resolve this issue. 

Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am very devastated of the way Wells Fargo keeps prolonging my case so my sale date for XX/XX/2017 will not get cancel on time, I have provided all the required documents and Wells Fargo agent just keeps telling me that my packet is with the re-entry team and they are going to finish the review soon. However I have done this process for almost XXXX years and I know it does not take long to have an agent assign to my case, my file has been under review by the re-entry team for over XXXX weeks basically almost a month. I am sure that Wells Fargo intentions are to foreclose my home. I have explain to them my source of income and have provided enough proof. Please question Wells Fargo intentions I do not want to end up homeless. It has being a very stressful year due to my divorce and losing my job shortly after. My intentions are to keep my house and become current once again.

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