BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2018 Here I am in the midst of trying to bury a loved on only to check my mail and receive this notice. 
It's raining heavy in my life. 
I have contacted the loan holders 3x received emails saying my acct is in good standing and that i was NOT in default. 2wks ago received a letter stating that my account will be turned over and to contact the following agency : I have NOT received any letters, statements or correspondence from any agency indicating XXXX will be handling these loans further. XXXX with XXXX XXXX, XXXX, XXXX XXXX. 

Why am I back at this stressful moment of being threatened by Garnishments. This is too overwhelming right now. I struggling just to pay rent, gas, utilities. Food is not in the budget. 
PLEASE!!! HELP I can not do this right 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 2019-12-05
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX and Experian throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2019-12-05
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving two hangup calls a day for many months from XXXX, and I discovered by XXXX  the number that it belongs to Credence Resource Management of XXXX, TX, office number XXXX. I have never answered any of these calls - I always let them go to my voice mail, and the caller always hangs up without leaving a message. 
I also found MANY complaints about the same thing online from others who have been receiving and answering these calls from this number, some of whom describe misleading and abusive collection attempts for, ostensibly, XXXX XXXX XXXX. Many of these comments state that the persons receiving the calls once had XXXX XXXX XXXX accounts but no longer do, or are paid in full. My only connection with XXXX XXXX XXXX is through a company they own, XXXX XXXX, but I am paid in full. 
I am fed up with receiving these calls and I want them to stop! I suspect that Credence Resource Management thinks my phone number belongs to someone else, but I've had this landline for about 12 years. You would think that a collection company would at least call the correct number, or be more professional and leave a message instead of harassing people with hangup calls. This, to me, is bad and possibly illegal practice. 
Anything you can do to stop this harassment would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX XXXX  XXXX I got a citizens clear value credit card, XXXX XXXX interest free, I did a balance transfer of XXXX dollars .in XXXX when I opened my bill Isaw that there were 3 charges on my bill that I did not authorize the first one on XX/XX/XXXX XXXX a charge of XXXX to XXXX on XX/XX/XXXX a charge XXXX to XXXX and on XXXX XXXX a charge of XXXX I immediatly called their fraud dept. and reported it they told me they shut the card down and would investigate the matter said it would take 2 or 3 weeks. I called them on the XXXX XXXX  XXXX on XX/XX/XXXX they sent me a letter stating that they completed their investigation and that I was responable for the charges and that the amount of XXXX would begin accuring interest and be included in my regular bill. I again called their fraud dept. and their represent stated that I wasnt responable for the money but their manager would call me back .I called 7 or 8 times no one ever called me backI continued to make my monthly payments until I paid every dollar that I owed after that I called and Told Them i wasnt making any more payments.now they haressing me with phone calls and letters and reporting me to the credit bureau XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a call from a scammer who posed as a Bank of America employee. The person induced me into believing my account had been hacked and fraudulent charges were being made. The scammer then had me verify codes that were sent to my phone and used those to change my account password and initiate a wire transfer. The Scammer then advised me that he was setting up fraud alerts and that I needed to reply yes to one and no to another. The text came in and I replied yes believing this was a test fraud message from a Bank of America employee. I was induced by false means into replying yes to a fraud alert asking if I authorized a wire transfer, which I did not. Under regulation E if I am induced to authorize a transaction by fraudulent means then I should not be liable because I was scammed. I filed a claim with Bank of America and they denied my claim stating I authorized the transaction by text. However the authorization was obtained by fraudulent means.

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 monetary relief
Consumer complaint received 2019-12-05
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: Information is missing that should be on the report

Complaint:
Payment was made on XX/XX/XXXX and has not been applied to balance. Concern is XXXX XXXX is reporting an incorrect balance ultimately impacting my credit limit and score with is reported to all credit bureaus. I feel this is a violation of the FCRA as funds have been applied but they are holding the payment for 7 days and the payment has cleared. This creates a bad customer experience.

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 2023-08-07
Company: CarMax, Inc.
State: GA
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:
In accordance with fair credit reporting act XXXX XXXX XXXX has violated my rights They passed my information to a third party XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: LEXISNEXIS
State: TN
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 help me with removing the fraudulent accounts from my credit reports. I am a victim of the XXXX data breach and was paid because my information was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I XXXX have been reaching out and waiting on a response that does not come and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I am ready to file a complaint with the FTC and XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fixed now I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: SYNCHRONY FINANCIAL
State: NY
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:
- I closed my SYNC Bank Amazon Prime Store Card account after the final payment making it {$0.00} outstanding- on XX/XX/2019. 

- Despite closure SYNC BANK is continuously reporting wrong credit info to both XXXX and XXXX- decreasing my credit history. 

- As of today XX/XX/XXXX, Sync Bank they have last reported {$2900.00} outstanding on XX/XX/2019 and has reported {$3200.00} outstanding as of XX/XX/2019. Evidence is attached with this complaint in form of jpegs. 

- Due to this my reported utilized credit has gone to 99 % on XXXX and 91 % on XXXX. Evidence is attached with this complaint in form of jpegs. 

-It is noteworthy that I have made 100 % payments on time on all my cards let alone Amazon Prime Store Card . 

- My Amazon Prime Store Card was formally closed on the actual date of XX/XX/2019. Evidence is attached with this complaint in form of jpegs. 

- After I disputed this info with XXXX XXXX it was rejected by Sync Bank as invalid or inaccurate. And that they can not further process this request anymore. Evidence is attached with this complaint in form of jpegs.

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 2023-01-04
Company: WATERMARK CAPITAL, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Watermark Capital LLC Earlier this year I was notified by Watermark that mortgage payments should be sent to a different Watermark company called Watermark Capital Inc. starting XX/XX/XXXX. Previously, I made payments to Watermark Capital LLC. I made this change prior to XXXX and the new account number was applied to the autopay information at my bank. In error, my bank still sent payments to the old Watermark Capital LLC address, but the bank did have the new correct new account number. 

All payments were successfully received by Watermark in spite of having been sent to the old Watermark address. 

My bank confirmed XXXX, XXXX, XXXX and XXXX payments were sent to the old Watermark address. These records of payment from my bank were sent to Watermark on XX/XX/XXXX via email. I was not notified by Watermark that payments were received by the old Watermark. Watermark had to have known this happened yet they say my XXXX and XXXX payments were late yet somehow my XXXX and XXXX payments were not late! 

It is important to note, Watermark 's change from Watermark Capital LLC to Watermark Capital Inc. transition was screwed up - Starting in XXXX Watermark left phone messages saying they had no record of my mortgage insurance, but I actually did have insurance and somehow they " lost '' my information in the transition. After hours on the phone with Watermark and my homeowners insurance company, finally Watermark realized the mistake they had made. This shows internal issues at Watermark during their " transition ''. During this period, Watermark left more phone messages saying there was now an issue with my mortgage payments. I talked to Watermark about this issue several times in XXXX and XXXX trying to resolve the issue. They were supposedly working with me to sort out where my mortgage payments were going. I sent them my bank statements proving they had received my payments. In XXXX, they recognized that in fact they did receive my payments that had been sent to the old Watermark with the new account number. They were totally incompetent and did not realize they had my mortgage payments sent to their company. On XXXX XXXX, XXXX I received 4 individual letters from watermark, all letters were dated XX/XX/XXXX! Each letter said my payment was overdue ; why weren't these letters sent a month age like they were dated. I manually paid the Watermark a second time for the months they claim I was late on XX/XX/XXXX yet the still sent me the 4 letters on XX/XX/XXXX. These examples reinforces my contention that Watermark is totally incompetent.

I have spent approximately 10 hours on the phone ( including being on hold ) with watermark over approximately 8 calls plus 2 hours with my bank. I can not resolve my issues without help from you, I have tried very hard to work with watermark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX  I received a letter from XXXX XXXX XXXX XXXX XXXX to collect a debt for the amount of {$960.00}. This debt did not belong to me. I paid the debt but it remained on my credit report. I then requested a letter of satisfaction. I received the letter dated XX/XX/2022. I disputed the debt through XXXX. The debt is still showing up on my credit. Resurgent is now trying to collect the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Thank you for letting me share with you my extreme disappointment with US Bank. I used the above account to only transfer funds every two weeks to my ex wife. The amounts have varied becoming less since my divorce was 12 years ago and did not include bonus payments. My divorce decree ended on XX/XX/2021 and there was only XXXX cents in the account. It was to my great surprise to receive notification on XX/XX/XXXX that US Bank went into an overdraft line of credit to wrongfully transfer {$2100.00} to my ex wife against my wishes. I never set up overdraft protection on this account and had the experience with this account in the past that if I did not have enough money in the account that I would receive an angry message from my ex that she did not receive her money. 

After made aware of this mistake, I spoke to various people at US Bank requesting that they claw the funds back because it was one US Bank account to another US Bank account. I was told by XXXX XXXX NMLS XXXX to speak with the branch manager, XXXX XXXX NMLS XXXX. She was extremely unhelpful and provided me with a pamphlet, Your Deposit Account Agreement effective XX/XX/2021 and stated that US Bank had the authority to place overdraft protection. Again, I opened this account 12 years ago and would never have agreed then or in 2021 to provide overdraft protection on this account. I also spoke to XXXX XXXX, my corporate personal banker who also stated that there was nothing that he could do to rectify this situation. 

I have been a US Bank client for the past 27 years and could not believe how dismissive each and every interaction that I had with these representatives of US Bank. After being threatened with overdraft fees and collection agency, I decided to close the account with XXXX XXXX on XX/XX/2021 and paid the amount of {$2100.00}. It is my viewpoint that it cost me {$2100.00} to do business with US Bank and will do my best not to find myself in the same situation in the future. 

Thank you for reading to the end. 

Sincerely,

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 2023-08-07
Company: EQUIFAX, INC.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX  Accounts : XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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 tired making a jewelry purchase in XXXX. The merchant told me my card was denied and I left the store with nothing. When I came home, there were two charges from this store. I filed a dispute. XXXX XXXX XXXX is denying my dispute for the following reasons : - We're unable to issue credit to your account without a credit slip for the disputed amount ( s ). 
Please contact the merchant to obtain a valid credit slip. It must include the dollar amount to be credited, the date of the credit, your account number, and the merchant 's name. If you're able to obtain a valid credit slip, the merchant has 15 days from the date it was issued, to apply credit to your account. If the credit isn't received within 15 days, please send a copy of the credit slip to us so we may determine if we can assist you further. 
- We didn't receive documentation showing that the merchandise was to be shipped. 

1 ) I was told it was declined. I randomly choose a gold shop on a street of many gold shops in XXXX. I do not speak XXXX, I had a translator with me. The shops have no websites. How can I provide something like this? Again, I left with no merchandise. 

2 ) I don't understand this. Nothing would have been shipped even if I would have successfully left with something. 

3 ) I can't provide receipts for something that I was told was declined.

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 monetary relief
Consumer complaint received 2019-12-05
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 I submitted a complaint under the number XXXX. The financial institution submitted their response and stated that they were going to send a letter detailing the documentation that I had to submit for them to continue working with the loss mitigation package.  On XX/XX/2018 I received the letter and on XX/XX/2018 I submitted my response with all documents that were petitioned, (See attached email sent on XX/XX/2018.)The financial institution never responded to the above mentioned letter, instead they sue me in State Court, (Case number XXXX) and move forward committing dual tracking.I am currently undergoing a judicial foreclosure process, in which the financial institution has not mentioned the outstanding Loss Mitigation package that was submitted and instead are moving fpward with the process.

Company response to consumer: Closed with explanation