BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we had a conversation with XXXX in the recovery department. She discussed a loan account that fell under the bankruptcy law. We told her that we filed bankruptcy and it was discharged XX/XX/XXXX. She still tried to help us make a payment. When we called to make our loan payment of XXXX we were transferred to her and she took the payment. Our regular payment bounced because she sent a payment through of XXXX on XX/XX/XXXX which is the entire loan amount. When we tried to get the issue resolved by the department supervisor and a manager we were told that the issue was going to be resolved. Two days later it posted again. On Saturday I had to get help from the credit union ( a stop payment ). I have assessed fees for that and the returned payment. The supervisor told me that he wasn't sure why our credit union let the payment go through if there weren't funds available. They also sent us a check in the amount of XXXX which we returned. Yesterday I got a letter stating they tried to take the funds again and we need to submit a payment because there was a stop payment on that amount. They are still going by bankruptcy information from XXXX. I was told by XXXX today who also refused to let me speak to XXXX XXXX who I was advised to speak to directly. This has to stop because we don't have that amount for them to take. This letter also shows that they violated the bankruptcy law because the date they last made contact was in XXXX well before the limit of the bankruptcy law would have ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: BB&T CORPORATION
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: Old information reappears or never goes away

Complaint:
BB & T put a report that is preventing me from opening an account from other banks due to a issue they had with a joint account holders personal 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 2020-01-29
Company: EQUIFAX, 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:
I disputed several accounts on my records, they show as close or dismissed, yet Equifax, XXXX, etc, still keeping my credit score low, etc!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Loan issued by XXXX XX/XX/XXXX for {$5000.00} USD, payment plan of {$490.00} per month starting XX/XX/XXXX. Paid to date {$11000.00} with an balance of over {$27000.00} to date. Excessive interest rate well over 200 %, this company is exploiting low credit score & Poor American people in these outrageous over the interest rates. I have been struggling repaying this loan back and they have been paid over 100 % to date. I seen an news report on my local TV station XXXX XXXX in XXXX XXXX XXXX XXXX about companies like this. Our current rental market is beyond ridiculous and to struggle to pay this loan will be the death of me. Loan currently has an XX/XX/XXXX payoff date. At this rate I still have a balance of {$27000.00} ( breakdown 56 months at {$490.00} ) this should be an illegal practice. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi XXXX, XXXX XXXX billed my insurance three times for the same services. My insurance provided them with the payment for the services that were rendered but they are still trying to collect the an amount from me that my insurance has confirmed is not due to them. Both my insurance company and myself have explained this to both the service provider, XXXX XXXX, and their credit collections agency, XXXX XXXX XXXX, in early XXXX. However, I still continue to get harassing phone calls from their collection agency. If it helps to rectify the issue the original XXXX XXXX XXXX XXXX claim numbers are Claim # XXXX, Claim # XXXX, Claim # XXXX. If you call XXXX of Tennessee with those claim numbers, they should be able to assist you with any information you may need. 

Thank you, XXXX XXXX Mobile : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello. I attempted to call IQ Data on XX/XX/2021 in regards to a debt I owed and advised to them I could not pay this full but wanted to make a payments and would pay them in lump sump payment, the representative informed me this was unacceptable, told me to borrow a loan and advised to them did not feel comfortable doing that since I was already in debt. Stated for me to sale items, even suggested to me would be in breach of contract and could cause serious legal action, damage my credit, including wage garnishment etc. I called back and asked for VP IQ Data and was transferred too someone named XXXX was incredibly rude as well and hung up in my face. This was a very bad experience for me. I want to take care of my debt but refuse to work with me while being rude, and threatening. When I would call back to get a reply they would continue to transfer me all around. Last contact advised will document call and hang up in my face.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions 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:
The problems started on XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, CT XXXX made a hard inquiry on my credit report. I have never used or heard of XXXX XXXX. 

On XX/XX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

These hard inquiries have adversely affected my credit score, which I would like to have corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
checking my information I'm interested in disputing all incorrect information that is invalid on my credit report with Equifax that is hindering my file. please correct all incorrect data to fix my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Mobiloans, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called me during work hours, and after I politely asked him to call me after work he started raising his voice, saying " You need to pay your bill, you haven't made a payment in a year, '' and that was after I asked him not to call me until after XXXX XXXX. I believe I had {$500.00} when I no longer had the ability to pay ( child support arrearage, etc ), and that amount has since gone up to the thousands.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: AZ
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2021-03-02
Company: BARCLAYS BANK DELAWARE
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2018-09-26
Company: Northwood Asset Management Group
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/2018 at XXXX XXXX I received a threatening message and voicemail from XXXX XXXX from the company Northwood asset management group in XXXX New York from phone # XXXX. The message also left the return number of XXXX reference number XXXX. This message included a family member and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Sterling Credit Corp.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX ( XXXX XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. Settlement agreement for the amount of {$800.00} made between XXXX XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}. Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments. My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018. I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: RENASANT CORPORATION
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: Old information reappears or never goes away

Complaint:
I have disputed this issue previously several times with the company ( Renasant  ) and the credit reporting agency ( XXXX ). 
Today on XX/XX/2021 I contacted the reporting agency ( XXXX ) about the issue and the agent was not knowledgeableor helpful in regards to my situation. The agent also ended the call while I was still trying to explain that the information is incorrect. 
I have duplicate mortgage accounts listed on my credit profile. Last year my mortgage loan was transferred from Renasant Bank to XXXX. My credit report is reflecting as if I have two open mortgage loans, when I really only have one mortgage. Both Renasant and XXXX are reporting under the same account number. I now handle my mortgage loan through XXXX ( XXXX XXXX XXXX & XXXX ). XXXX  should not still be reporting as open nor should it still be listed on my credit profile since XXXX is currently my loan institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called portfolio recovery in regards to a debt. I had an XXXX XXXX credit card which was opened on XX/XX/XXXX, XXXX Credit card had a credit limit of XXXX. However, this company reported that I owe XXXX. The writer offered to pay the XXXX in which the credit card was worth. However, they want me to pay more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: AA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: STERLING JEWELERS, INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX ( XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX.

Settlement agreement for the amount of {$800.00} made between XXXX XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018.

Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}.

Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments.

My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018.

I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Persolve, LLC - Legal - Series 2
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX ( {$270.00} ) ( {$99.00} ) ( {$100.00} ), XX/XX/XXXX ( {$350.00} ) XX/XX/XXXX ( {$1500.00} ) HIPPA Violation : XXXX XXXX XXXX did not provide me with the provider of services to release any of my medical information regarding alleged debt as well as cease any credit bureau reporting. This entry 's insertion on my credit reports is a blatant HIPPA violation and a violation of my consumer rights. These entries must be deleted from my credit reports immediately with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Last month I checked my statement it said the amount due was {$700.00}. I made a payment and then the next day I logged in and the amount was different from the statement. I made a payment but it said I still had a balance of {$150.00}. This company has been an absolute nightmare to deal with. Constantly adding fees with no explanation. I am a XXXX veteran who is currently out of work on leave without pay because my XXXX  for which I am rated XXXX % XXXX has been aggravatwd and I am in XXXX. These fees are getting ridiculous. I dont know why they keep adding them but at this time I can not afford to be throwing money away to unknown fees. I have tried to change the address on my account numerous times and they still have my old address which cause issues with payment because they put the payments through with the old address causing the payment to be returned resulting in additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX My name is XXXX XXXX Called Navient on XX/XX/18 ; who is really XXXX XXXX on a Education Private Loan ; I have with them ; I have income based repayment plan with ; I was calling them because I received paperwork I was passed due ; I have checking allotments ongoing with them for 8 yrs now ; They said my recurring payments had ended, So I wanted to set up another repayment plan ; XXXX the representative stated I could only do an extension They upped my payments to {$250.00} from {$240.00} ; I explained to them I was a XXXX  ti my XXXX mother could not go further than the {$240.00} ; I was told by XXXX if I didnt pay the amount would not hav the repayment program plan ; Grudgingly I said I would try When he set my payments on a recorder he changed the payments to 6 and 6 6 months @ {$250.00} and another 6 months @ {$480.00} ; I told XXXX Its no way I could afford {$480.00} ; he stated if I refused I would not have the low income repayment plan forced me to electronically sign ; He asked me did I hav a lawyer ; I told him after this I need to seek one ; This was a SWITCH and BAIT Transaction ; XXXX XXXX XXXX ; XXXX ; Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have submitted multiple disputes for collection accounts and I don't believe that any of the credit reporting agencies are performing actually investigations. Results are returned far too quickly and nothing changes. 

Secondly, I want to complain about the formulas the agencies use to calculate credit scores. Multiple times I have had a credit score decrease after paying off a loan. How can my score decrease by paying OFF debt? They all seem like scams that give lenders an excuse to charge higher interest rates on loans and lines of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
When I reviewed my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof The following account need to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX : {$11000.00}

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 non-monetary relief
Consumer complaint received 2022-10-05
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Fed Loans Servicing suggests that two accounts were removed from my credit report. In fact, these two accounts were consolidated XXXX months ago with XXXX loan servicing. 

This situation suddenly occurred after President Joe Biden announced the debt forgiveness program. 

As a result, this action caused my credit score to drop XXXX points. 
I have tried to reason with a Fed Loan representative, but without success. The against seemed to not know how to approach my concern. 

Usually, the accounts show " in good standing. ''

Company response to consumer: Closed with explanation