BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response about the written requests I sent in Equifax. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquiry Date XXXX ; XXXX/XXXX  Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX ; XXXX/XXXX  Inquiry Date XXXX ; XXXX/XXXX  Inquiry Date XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX/XXXX  XXXX Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/2019 I am trying to call customer service of Navient to start repayment of my student loans.

Every time I call I am put on hold for over 20 minutes with no response other than terrible 80 's music blaring in my ear and an automated voice message telling me how great Navient is.

It would be nice if I could actually get a real person to talk to instead of a machine for over 20 minutes. This is terrible customer service. Answer your phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: LEXISNEXIS
State: IL
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:
On XX/XX/2019 I requested validation and verification of a bankruptcy with Lexis Nexis that has been reporting to the credit bureaus. After 30 days I received a response from XXXX stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if Lexis Nexis verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how XXXX or Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
The account being reported by XXXX XXXX, XXXX is not valid. The XXXX XXXX  credit card for {$790.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX  XXXX  who both billed for the insurance and offered it from the beginning. XXXX XXXX  received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX  is in breach and XXXX XXXX, XXXX is attempting to collect a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called SPS because enrollment was down at the college I work at, they offered me a forbearance until XXXX. 

Now I am being told that there is not a guarantee to help with the payments that were included in the forbearance. 

They won't accept my child support documents stating their policy states that need a court order to show child support, see attachment On XX/XX/XXXX I asked them in writing to remove my child support income and not consider it. Today they sent a letter stating the same thing, see attachment SPS allowed me to correct my start date for work but won't allow to remove child support from my application, see attached application A rep from SPS mortgage rep stated that they didn't want to help me and would rather foreclose on the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: SYNCHRONY FINANCIAL
State: ND
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:
SYNCB/MILLSFLEETFARM is reporting incorrectly to XXXX ; XXXX  and XXXX a charge off of a credit card account number XXXX. This credit card was used fraudulently to purchase goods. ( Please see page 11 of the attached credit report. ) I have also attached copies of the XXXX Police Department report dated XX/XX/2019 along with my signed Affidavit of Fraud. This debt is not mine and this incorrect reporting is harming my credit score. I have contacted the three bureaus to remove this item from my credit report, however I have not been successful.

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 2019-01-13
Company: TD BANK US HOLDING COMPANY
State: NY
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 states that they do not have an account for me, when they do, I am attaching reporting from XXXX  XXXX, from XXXX. XXXX sent me a letter asking for copies of my social security card and driver 's license. 

XXXX had a major security breach recently, so I am not comfortable sending them copies of my identification, when they already have all my info as demonstrated by them reporting monthly on me. 

TD Bank claims they are not the ones reporting and it is not their account, however, the negative report is under XXXX XXXX and the address is the same address as TD retail card services. I have attached their XXXX page as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery has been harassing me for many years. I did not know I had rights and that they have been violating them. First they call from multiple numbers. 
( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX are just a few of the numbers that they call me from. They have threatened to sue me. They have threatened to serve me papers at my job on XX/XX/2018 at XXXX XXXX. Many of calls are robo calls including call on XX/XX/18 XXXX XXXX ,XX/XX/2018 at XXXX XXXX, XX/XX/18 at XXXX XXXX, XX/XX/18 XXXX XXXX. I have asked them to stop calling me. I am on the do not call registry. I have never given consent for them to call. Every time I tell them to stop calling, they call from a different number! They have never provided me with any proof that I owe them money or proof of the original debt owner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Bank of America crediting {XXXX} from fraudulent uses in my accounting ; alongside of XXXX Fraudulent Benefit program on account without my ability to access of {XXXX ; Ive had given treason by discrimination against my XXXX orientation, then my credibility in the image I carried as XXXX XXXX. My identity has now become known as XXXX XXXX XXXX in the United States. 
My security has been breached by third parties I had not approved authorization of, being held upon ransom ware without proper paperwork to reconcile whats acts have taken place. 

ALSO, I WANT MY SERVICE ANIMAL XXXX / XXXX RETURNED I HAVE RIGHTS TO OWN HIM / HER UPON PROPER PAPERWORK I CAN DISTRIBUTE, I AM WILLING TO UPDATE VACCINATIONS WITH HER, WILL PRESS CHARGES AT HIGHEST AVAILABILITY TO ENSURE SHE IS RETURNED.

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 2018-01-30
Company: Pinnacle Credit Services, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid a negotiated settlement amount of {$220.00} to XXXX XXXX XX/XX/2013. Received email confirming payment from XXXX. Then I learned few months later my account and info was sold to Pinnacle Credit Services. Pinnacle has tried to collect {$920.00} for almost five years now. Each time the clock ticks close to debt expiring they lie and say they have talked to me or had contact or a conversation. 

Provided the credit bureaus with the XXXX payment confirmation and disputed Pinnacle Credit report as a collection. XXXX refused to remove but others did agree it was inaccurate info and removed. 

Five years later Pinnacle Credit continues with mailing stuff to my house and reporting to credit even though debt was paid in XX/XX/2013. XXXX says they can't help that Pinnacle Credit owns the account now. 

I currently and in process of underwriting to close on a home and this has the whole process on hold. For nearly five years now I've dealt with Pinnacle Credit shady business practice and lies. I will not pay a debt twice. XXXX received money and can not help me. Credit bureaus except XXXX   agrees this was bogus. Pinnacle stalks me and lies saying we have talked to restart the clock. I'm at a loss. 

This company is a scam and harmful to anyone that has had an account with big companies like XXXX. Based on the lack of professional manner and the dishonest approach Pinnacle Credit must be a relative of a XXXX Executive. Who else would collect money then sell the account to allow the customer to be hunted down and life ruined?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The letter is dated XX/XX/XXXX, however I just received this notice of a debt collection from XXXX XXXX XXXX for a debt from Nissian. I never heard from Nissian or received anything just this notice that I got from my family today XX/XX/XXXX. It states I owe for excessive wear and tear and unpaid lease payments but I paid all the lease payments and there was no excessive wear and tear to the car. When I turned in the car I was not told of any unpaid lease payments of any kind. I stayed up to date on all payments, therefore this is odd and unexpected. I had an inspection done on the car prior to turning it in. The car was ranked under good conditions, inspection person did state that the rims on the tires may be counted as excessive wear and tear due to minor scratches, however, he did state this can be disputed because the rims stick out past the tires due to the rims not properly fittings the tire size. I called Nissian regarding my concern prior to turning in the car and stated that the rims they installed are not the standard and are after market part which doesnt properly fit on the tires and stick out beyond normal which will cause scarthes for any minor or slight bump on a curb or just driving on a road that may have loose gravel. I also informed Nissian that if they should try to make me Pay for something thats their fault for installing rims that stick out past what they should the. I want to disput the charges. Nissian never extended me the courtesy to call, email, mail or notify me of their intent to charge me for anything. They sent this to collection without giving me proper notice, or even giving me the chance to resolve the problem. I heard nothing from Nissian or about this until it was already in collections. This is not fair to me as a consumer. I want an investigation and to take this matter to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Home Loan Center, Inc.
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Family stole property and bank accounts added their selves as benefiuaries. Of accounts opened safety deposited boxes in my name they been mail frauding me for benefits which im entitled.they been using ids.to get vehicals in my name tracking phone and email address to defraud i have no money and the banks aint giving me. No account numbers or calling me to recover property or letting me know of such fraud people that say their taking care of me is lying their stealing my mony for their own proper use i dont need a pay e or i dont neef nobody in charge of assest ssa has failed to give me payments and disclosures i would like all banks with.my social security number allowing such breach to others claiming gaurianship on my accounts trust and property i dont have a car right now i dont live in a house my address is XXXX XXXX XXXX XXXX XXXX  phone number XXXX XXXX XXXX their using my emai and adress to transfer money through accounts so once officers like me find peole.like that hold them accountable of all crown benifits under such allegations to defraud the system i dont have any access to any bank but XXXX XXXX. XXXX XXXX online and accounts shut down. XXXX  hasent allowed me access to accounts shut accounts down i dont have a credit card so findings on them. They need to disactivate morgages and property that got inheritef to me ii never got ihavent got no keys to owned property on XXXX XXXX XXXX i had a contract with XXXX XXXX  and housing authority on purshase of home my aunt XXXX XXXX and XXXX XXXX is stealing me and my brother and sister accounts off a pod accont owned by her but for the benefiuary of us and.my mother XXXX XXXX.she hasent gave us access to accounts in 18 years i would like checks from all claims and findings on tax returns any person playing victim and me incompetant in entent to fraud governments of the law shall be affaidat and tried through united states legislation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Navient Solutions, LLC.
State: WI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Pioneer Credit Recovery is contacting all my family members telling them I gave them their information regarding my student loans I fell ill in XX/XX/XXXX and was on FMLA for a XXXX XXXX. I lost my employment XX/XX/XXXX due to the illness. I have been determined XXXX and started receiving benefits in XXXX. I am in the process of having my student loans forgiven due to my XXXX and long term prognosis. The applications were submitted to the US Department of Education

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 2022-08-08
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: Their investigation did not fix an error on your report

Complaint:
Hello. On the XXXX of XXXX a dispute on an incorrect statement, so they would fix it, this was on Equifax about my statement with XXXX XXXX on my XXXX XXXX card from the XXXX of XX/XX/2022 which shows that I stood on XXXX dollars owed, but on Equifax, it says that I owe XXXX dollars. 
I got a response today that what I said was not true and they are showing me their documents and that is not true. I tried to submit a dispute to update the balance and I was not able to upload the bank statement document from my card that shows that I stood on XXXX dollars owed on XX/XX/2022. 
I request that you take care of this, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Western-Shamrock Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

My request for the correction and removable of the erroneous information about Western Shamrock has been diligently neglected by 3 Credit Bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called XXXX several times detailing the collection they are trying to collect is not correct. I have contacted the original creditor and together they have contacted XXXX and the representative from XXXX told the office manager of the original creditor that first they have to collect the amount even though that was false and then also said they cant delete off my credit report unless paid in full.

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 2018-01-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased an XXXX watch with XXXX XXXX  on XX/XX/XXXX using my XXXX XXXX Card. I understood that using an XXXX XXXX card provided an additional 1 year of warranty for purchased products. The watch broke on XX/XX/XXXX, which would have been 10 days after the 2 year XXXX XXXX expired, but within the additional 1 year from XXXX XXXX. I filed a claim with XXXX XXXX and received a letter today denying the claim because I purchased the watch with a " XXXX '' XXXX XXXX card. I was told that while XXXX XXXX and XXXX is a partnership, it is really not an XXXX XXXX card. I asked about my XXXX XXXX XXXX card and was told that, " well, yes, that is another partnership but with that one, it is actually an XXXX XXXX card and you do have all the extended warranty benefits with that one, but not with the XXXX XXXX XXXX card. Who knew ...! In my opinion, it is reasonable to assume that an XXXX XXXX card is an XXXX XXXX card. The XXXX XXXX logo is prominently displayed on the bottom right corner of my XXXX XXXX XXXX XXXX card in the typical blue box XXXX XXXX logo. I have always trusted that both XXXX XXXX and XXXX XXXX are reputable companies ; however, this experience makes me question that assumption. I would assume that a company, especially like XXXX XXXX, would not be willing to put their name on a card that does not represent XXXX XXXX well, but then we all know what they say about assumptions! I was told by XXXX XXXX customer service that they just put their name on the cards, but they are not responsible for what they do ... .pretty astonishing in my opinion. I was also told there is nothing that XXXX XXXX can do ... which I find a little hard to believe.

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