BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-05
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 2 loan servicing companies  XXXX  and   XXXX   XXXX   stating I owe loan. I contact   XXXX   and they insist that I owed them a {$4000.00} loan. I have never made any payment to  XXXX .   XXXX    states I have made 4 payments that I never have. I have reached out to University of   XXXX   XXXX   and there is only 1 loan. I have been making payment to   XXXX   XXXX   since 2013 only to find out they never sent any funds to the University of   XXXX   XXXX  .   XXXX   XXXX   has put a charge off on my account and refuses to address the funds they owe me. Both companies   XXXX   and   XXXX   XXXX   are sending promissory notes to credit bureau. I have sent police report, identity thief report and information from University and no one will communicate with the University of   XXXX   XXXX  .  XXXX  is now saying that my loans were in school status and that is why they have not collected, than I was told that the Loan was not sold to   XXXX   XXXX  .   XXXX   XXXX   say the loan has always been with them. The credit reporting company   XXXX   XXXX   is not doing their investigation and allowing these companies to destroy my credit. The loan that was sent to the University of   XXXX   XXXX   neither companies have presented that loan lnumber.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. XXXX  XXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould  have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed  from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. 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 explanation
Consumer complaint received 2020-10-15
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Sallie Mae has refused to offer any sort of relief or lowering of payments, and it is impossible to meet ends meet due to their actions. I make an annual salary of {$60000.00} and my student loan payments are $ XXXX month which is more than I make in a single paycheck. After making payments and struggling to even have enough money to eat, my interest rate continues to grow and is now at almost 11 % on my loans pushing me even further into debt. With the pandemic going on I have lost all additional sources of income and the best option they gave me was to not make a payment and speak with the collections agency which will further hurt my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX Equifax gave negative credit report about me to XXXX XXXX XXXX, XXXX. at XXXX. 
Equifax still have on my credit report that they didn't erase or taking off ; serious delinquency, numbers of account with delinquency, proportion of balance to credit limits is too high on bank revolving or other revolving accounts, length of time revolving accounts have been established. 

But yet I have a credit score above 715..due to no late payments etc for over 15 years..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22
Company: CITIBANK, N.A.
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:
I disputed with the XXXX and with the creditors the referred accounts, and requested proof of consumer contract or proof of debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Macys Acct XXXX Macys responded to my request that no documentation was available. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX did not respond to my request. 

XXXX XXXX XXXX XXXX Responded that they were not able to send proof. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have didputed these accounts with XXXX and they always respond that the creditors " VERIFIED '' the account. 

I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF LATE PAYMENTS. NO PROOF IS EVER PRESENTED.

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 2018-07-26
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They claim they say due is {$1900.00} when in fact it was $ XXXX.I have  sent them a copy of court ruling signed by a judge here in XXXX county Washington stating so.The {$670.00} was paid to the owner of the property in Question.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
During Covid i have been out of work from XX/XX/2020 still until now husband caught XXXX from work and every family member got sick we all are not working. 
I check my credit report and i have 101 late payments on my credit file. all during covid ihave had my credit go from XXXX to a XXXX. I wrote all the companies telling them im not working due to underlying medical conditions and XXXX XXXX XXXX XXXX XXXX  with XXXX, its a high risk position so i have been out. XXXX XXXX -- reported me 13 times late XXXX  XXXX -- reported 7 times late, Capital One XXXX -- - reported me 21 times late, Capital one credit limit XXXX XXXX -- reported 16 times late, capital one XXXX -- reported 10 times late, XXXX XXXX XXXX reported 4 times late, XXXX   XXXX  XXXX -- -reported 10 times late, XXXX XXXX XXXX XXXX XXXXreported 8 times late, Capital one XXXX -- -reported 15 times late and possible could be the same accounts reported duplicates. I have 101 late payments and this is preventing me for getting any help. SBA just denied me by this information from XXXX, XXXX  and XXXX. All these compnies need to remove every late fee from XX/XX/2020 until Now. The president signed into effect the cares act and i can not get any assistamce due to my credit report entries of 101 late payments by companies listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call at least 5 times a day and at all hours of the day. 
Today alone, XX/XX/26, I have already received 4 calls by XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX  XXXX XXXX  XXXX XXXX, XXXX, and XXXX. XXXX  XXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed  from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Byrider Franchising, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I been having problems with the staff at this location with someone by the name of XXXX, shes the collectors supervisor if Im not mistaken. I received a call the day of my payment ( XXXX ) for my vehicle & I stated to the girl that I was having a issue with my bank card and as soon as I solve the issue I will make my payment ASAP. Then 4 days later one of their collectors contacted me but i couldnt answer the phone due to the fact that I was at work, so I send him a text message & let him know I was going to the bank that day to get my card so I can make my payment tomorrow. I then asked him if he can send me his email so I can email him. So 4 minutes after letting the collections agent know that I will make my payment I send a email to the agents email basically to cease communication even though I still let them know when I was making my payment. 
Today XXXX I finally received my card, but my vehicle was repossessed. They did not put out a right to cure in my car, door, or mail. They just took my car without letting me know. After that I went to the dealer to complain on why they took my car. They stated because I send them an email to cease communication. When I went to the office I first spoke with XXXX, she told me she did put a right to cure but could not show me any forms. Then after I spoke to the boss ( XXXX ) she then told me as well it was because I was not communicating with them and that they are allowed to repossessed my car without putting the right to cure. Which in these 2 attached photos shows that before I send them the email I still communicated with them. So from my understanding because they didnt like that I send the email XXXX authorized them to repo my car. & now Im stuck with repossession on my credit & more fees that I have to pay only because XXXX did not like the email that I send. To make it worse when I got to the office she was being so rude & was just saying she can basically do what she wants to. When I bought my car there I liked the employees I thought they were pretty nice. But the more you get to know them i realized that you pretty much have to bite your tongue at all times because XXXX will end up voiding my payments just so she can be able to take my car away from me.. PLEASE PLEASE Let me know if you can help me. I feel like I was treated very unfair only because of sending a email. I spent 3 hours waiting to speak the the boss and an extra hour trying to get my car back. Thats 4 hours of my time over a email that I send.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Reference back Case : XXXX and XXXX. On XXXX XXXX ,2017 I call customer service stating, I have not receive my XX/XX/XXXX Statement, Which the cycle ended on XX/XX/XXXX. I also complain about my payment due and why it still high calling the automative system. So the customer service person said she will sent another statement out, Now it Saturday XX/XX/XXXX no statement but my neighbor receive her statement on XX/XX/XXXX she have account with Synchrony Bank and live next door. So I really want to know was a statment sent out. My address is still the same from case XXXX. I really do no know why this company is given me a hard time, I just want everything fix and corrected and back to normal.

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 2017-12-17
Company: Home Loan Center, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX 2017 I thought this was resolved I paid this balance off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refi loan with TDBank on XX/XX/XXXX, sent all my docs on XX/XX/XXXX and locked my loan. Paid for appraisal and paid for whatever other credit fees. Appraisal report was done a few weeks later and submitted XX/XX/XXXX. After that I pushed for closing non stop, sending several emails and phone calls and nothing has been done to move my loan to closing. 

The tentative closing date was XX/XX/XXXX however that came and went and I have not heard anything from anyone. I have tried to escalate but have not been able to reach managers or anything else to escalate. It has now been 60 days since my application and I have yet to hear a word about closing. 

Also the points fees and schedules I originally applied for did not match what was advertised. They were advertising XXXX with XXXX points in my state and I have XXXX+ credit score and great credit history and income and was unable to achieve that rate for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: ROC Asset Solutions, LLC
State: CA
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:
I took out a loan from a company called " XXXX XXXX '' in XXXX of 2015 of the amount of {$2500.00}. I received a phone call from my sister that someone named XXXX contacted to verify who I am and where I live, she also contacted several other people in my family and job to get in touch with me. When I called XXXX she told me that she works for a company called " API Recovery Solutions '' in good faith I gave her my account information because I know I took out this loan and set up a payment arrangement with her which was going to be {$400.00} a month over the course of 2 years with no interest ; however, when I looked up this company there is no information of its existence. I asked XXXX to send me a letter to confirm that she works here and I got an address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number is XXXX. When I look up this address it is showing that it is a XXXX XXXX. She threatened to take me to court and sue me for the {$4800.00} and guaranteed me that I would loose in court. After I hung up the phone with her something did n't seem right. I started to do my research and contacted XXXX XXXX to see where my debt had gone and they told me that it got sold to " buyers holders inc '' and that they ca n't give me anymore information not even a number to contact them and that I had to look it up. After looking up the company buyers holders inc, I am still not able to find any information on it. All I would like to do is find out where my debt went and see how I can settle this because none of these companies that are calling me or non- existent. I went ahead and cancelled my debit card and reported it to my bank but now I am back at step one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020 : Synchrony bank closed my XXXX XXXX card, {$900.00} credit limit. Care Credit card, {$15000.00} credit limit. XXXX XXXX card, {$35000.00} credit limit and Belk Rewards card, {$1500.00} credit limit. 
When I called they reported that based on my credit report, I was high risk. I have paid all my bills on time. When I received the letter, there is not an agency listed and a credit report was not utilized in making the decision. The letter indicated the reason as activity on accounts with Synchrony indicative of high risk of failure to pay. I have always paid my accounts off. When they closed them, all my accounts had a XXXX balance. I have multiple other cards ( XXXX XXXX, XXXX, XXXX ) that my limits have increased. I feel that I was discriminated against. My credit score dropped XXXX points due this. I am in the process of buying a car and this has affected my process. This has caused me stress and anxiety, in a time where stress and anxiety is higher due to the pandemic and uncertainty in this world. When I called Synchrony Bank, they informed me that the decision was made based on the credit report they pulled. The only option they stated I had was to reapply. This would decrease my score even more.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: GA
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:
Ive submitted a dispute to Experian, XXXX, as well as XXXX about the child support information being incorrect. The information has not been updated in the system since 2021. It does not show payment history and now that its been paid in full, it doesn't show that information and that its been paid in full and closed.

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 2020-09-01
Company: Peer Advisors, LLC
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have had a reverse mortgage being serviced by Celink for over a year. In XXXX of this year, I sustain damage from a hail storm. 
Celink is VERY difficult to deal with. I had a local contractor replace the roof which was paid for by XXXX XXXX. The check was made payable to me and to the mortgage company. 
Celink tries top force you into operating via their website, Hold times are always over 30 minutes, usually 45 minutes to an hour. Their answer messages are long and unhelpful. Even though I select the correct response to get through to my team, the calls are always trunked to someone else who has to transfer the call. 
When I do get through, I am always put on hold so that the agent can check on something. While I wait, the call is dropped. They never call back. 
I contracted with a local roofer, XXXX XXXX, to reroof the house. XXXX completed his work on XX/XX/XXXX. The inspection was completed on XX/XX/XXXX. I verified with Celink that all of the documentation is in. I have not received a final check to pay the roofer. 
I can not help but think that CELink is not a good actor in mortgage servicing. 
I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are three late payments on my credit report from Capital One Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I feel as though this reporting is incorrect because there were issues with me recieving my bills at this time and have attempted many times, via written letter, and emails, to get it removed and have been declined and given no proof as to why. I believed that these negative marks should be removed.

Company response to consumer: Closed with explanation