BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: Amsher Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have spoken with XXXX and they have informed me that they are working directly with me. I was told that this company shouldnt be contacting me anymore about this issue. The problem is I have never heard of this company before. I seen it being reported on my credit reports and thats when I was already speaking to XXXX about this situation. I want this company to stop reporting falsely to my credit reports as I do not owe them ANYTHING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I work for a XXXX for XXXX XXXX. The XXXX for the XXXX and the XXXX XXXX. XXXX XXXX. I do not get overtime or benefits I barley get XXXX hours of work for two weeks. I barley make enough to pay anything. I am looking for a second job but I have triplets that are 3 and can not afford daycare. The issue is they called my work and spoke to one of our employees. SAID IT WAS FOR DEBT COLLECTION. I didn't get a message on my phone nor did I get text. or Email. This is harassment. I will lose my job and this is not anyone 's business but mine.

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 2021-09-03
Company: DISCOVER BANK
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I received in the mail a student loan application from Discover on XX/XX/2021 in the amount of {$74000.00}. I did not apply for a student loan. The application had my current address, date of birth and social security number. It also had my incorrect phone number and incorrect email address. I contacted the Discover fraud department and the application was withdrawn and Discover will investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: FCI Lender Services Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like you to please take a look at my case. In the past 5 years my mortgage has been sold to another company 10 times. Since XXXX XXXX   has taken over my mortgage every time I made a payment the total amount owed went up. They were charging me {$3200.00} for my property taxes. My taxes were only {$2400.00}. They were charging me {$2400.00} for my insurance, and my insurance was only {$1800.00}. I have been disputing with them since they took the note that there was an issue with how much I owed. They refused to try anything to get things resolved. The employee was very rude, called me and " XXXX '' and told me I did not know how to read my own taxes and insurance because banks do not make mistakes. I have never missed a payment, paid two extra payments in the last 15 months prior to our foreclosure. I was told I owed {$5000.00} in back payments but I provided documents for proof that those payments were paid. The employee told me that she would " show '' me and put me into foreclosure. I hired a attorney and they made a payment arrange for my so called missed payments. XX/XX/XXXX the bank started refusing payments, and started a foreclosure. We managed to stop the foreclosure. By them refusing my payments they skipped all the foreclosure paperwork and the courts and put my house up for sheriffs sale. My attorney stopped the sheriffs sale. Since then the bank has been to my house twice to get me to sign a loan modification. I denied them and told them to speak to my attorney. We have a court date on XX/XX/XXXX, but being that our attorney will be out of town that whole week, he is rescheduling. How is it right that I am overcharged, then refused to take my payments, put me and my wife through harassment and stress issues with fear of loosing our house when they do not even have a signed loan document from me. They are going back to XX/XX/XXXX trying to say that I owe the same amount now. I have every single document and payment papers to prove everything has been paid. My attorney has these documents and has proven it to them many times. They are stating that they are still paying taxes and insurance for the past two years even though I pay them on my own. I have all the documented proof that I pay my taxes and insurance on my own. I really need this resolved. Thank you very much for your time and consideration! Please contact me with any questions or clarification. Contact XXXX XXXX at XXXX XXXX  XXXX, XXXX. ( XXXX ) for any documents. Again thank you very much!

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 2022-08-13
Company: Experian Information Solutions Inc.
State: VA
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, XXXX XXXX Experian have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over XXXX in XXXX & several lenders are not reporting on time or accurately

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 2019-02-11
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I set up a reduction rate payment plan with Navient on XX/XX/2018. They insist on asking you questions and getting detailed numbers on your entire life expenses before the person on the phone determines what your payment plan should be. I begged the Navient employee to help me with a payment that could be lower than {$400.00} because I am already paying another loan servicer $ XXXX and that will make me have to pay double rent every month. She said over and over again that my payment would have to be {$420.00} ( previously {$390.00} ) and they couldn't go any lower because " that's what the system will allow ''. So I eventually agreed and gave my debit card to have the money taken out ( they said I can only have the rate reduction program if they have my card information ). The first payment was scheduled to be taken out on XX/XX/XXXX but it wasn't and now I'm delinquent a payment. When I called today and spoke with XXXX, employee ID XXXX, she told me she couldn't do anything about it and my bank " didn't allow the payment ''. I begged her to bring my payment current and she said there's nothing she can do to help me lower my payment or bring me current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is a Repossession debt, that happen 5years ago. There have been 3 DEBT Collectors.This accounts HAS been sold to 3 different collectors. PBC trying to re aged the debt. Texas statues of limitation is " 4years ''. I 've challenged this repossession to the State of Texas. XXXX violated the Texas State Repossession laws, and Settled with me out of court. I asked them, too stop. I have file another complaint with The Attorney General of Texas. Please read : If the repo agent breaks into your garage to take the truck, that is breaching the peace " This what XXXX did ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: OR
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:
They have been reporting a old child support account since XX/XX/XXXX. I disputed it in XXXX and was told that it was deleted because it had been more than seven years since it first became delinquent. I received a copy of my credit report yesterday and the account wasnt on the credit report I got. Now its back on there and I had to dispute it once again because they claim that the first date of delinquency is now XX/XX/XXXXof this year. I have a copy of payment history which is from the creditors showing whats being reported is a lie. I dont understand how a negative account can show on my credit report for ten years. They dont report child support in a way to help your credit and thats what I told the guy. Equifax in my opinion re-aged that account in a way to make money off of me. I can prove that account isnt showing on this report I got yesterday and they admitted that the first date it was reported wasXX/XX/XXXX. I feel like Im being treated very poorly by the company and not to mention the breaches that keep happening. Please help me hold them accountable and I have no problem sending you the documents I have to prove that division of child support wasnt on there

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
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 is missing that should be on the report

Complaint:
I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Experian Information Solutions Inc.
State: CA
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 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension 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 non-monetary relief
Consumer complaint received 2022-08-10
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a credit card with Apple Card which was managed by Goldman Sachs. I had a transaction with XXXX merchant posted to my account. The order was shipped with only half of what was paid for and the shipment was returned to the merchant per XXXX XXXX  return policy. Merchant shows shipment returned and that credit was to be issued. Credit was never issued by merchant via XXXX. I then contacted Goldman Sachs via Apple Card support and summited dispute and provided proof of the authorized return and lack of getting credit for the return. Goldman Sachs kept closing dispute with inconsistent reasoning ( order was received or verified when this was never disputed ). I full paid my account and closed the account with Goldman Sachs ( Apple Card ) with revocation of authorization for any further activity or charges on the account. Almost a year later, Goldman Sachs took funds from my bank account without authorization to satisfy an unknown transaction. My bank processed a dispute and returned these funds to me. Shortly after this occurred, Goldman Sacks again took funds from my account ( under XXXX dollars ). I again filed a dispute with my bank and they returned the funds to me and changed my account number to prevent any further unauthorized access. Not long after this happened, Goldman Sachs reported me as having a late payment for {$1.00} on my credit reports. All attempts to contact Goldman Sachs and get documentation of transactions have been fruitless. They again on the phone that what occurred isn't right and state they will email or mail statements to me with corrective action but nothing ever happens. My credit score went from XXXX to under XXXX overnight. I not only ended up paying for an XXXX shipment that was incomplete and which was returned and now I have suffered because of Goldman Sachs inability to properly process Reg E dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-11
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: Account status incorrect

Complaint:
My mortgage servicing company is reporting that I have not made a payment on my mortgage since 2017. I have been making my payments to them. I tried calling and writing them to correct this but it's still remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: VA
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:
I received 2 hard inquiries from XXXX XXXX XXXX, which I did not authorized. These 2 inquires appear only on my Equifax report. The first occurredXX/XX/XXXXXX/XX/XXXX and the 2nd occurred more recently XX/XX/XXXX. As you may or may not be aware, Equifax has had a recent information data breach. So contacting them and attempting to remove anything is futile. I thought this had been handled last year after I had requested a 90 day freeze for every 3 months last year. Unfortunately, this appears to be a pattern of bad behavior on Equifax. I am trying to restore my credit and this type of behavior and malignant pattern is affecting it greatly causing my credit score to drop significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Experian Information Solutions Inc.
State: MA
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:
{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has 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 explanation
Consumer complaint received 2018-01-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX has told me they performed a " scrub '' of bankruptcies in their records and incorrectly noted on my account that it was discharged in a XX/XX/XXXXbankruptcy. The information is incorrect. My bankruptcy was discharged on XXXX and the XXXX, known as XXXX at the time was on the unsecured creditor list on my bankruptcy petition filed XXXX. I 've contacted both XXXX and XXXX where the item is listed as a negative factor on my credit report impacting my credit approval for a mortgage loan. XXXX XXXX admitted the error but has informed me that I am the one who needs to make it correct when I did absolutely nothing wrong. I do not have this problem with the other unsecured creditors on the petition. XXXX XXXX would not resolve the problem that they corrected through multiple phone calls and have told me I have to mail in the claim/dispute with my supporting documents when they have told me they are aware that I am correct in that the items should show as discharged as part of an XXXX discharge, rather than a XXXX discharge showing on my credit report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went food shopping XXXX XXXX 2021 at XXXX XXXX XXXX in XXXX NY for {$260.00} ran my tdbank debit card and the woman stated it did not go through to do again so I swiped again she said it still did not go through, so I used a credit card. I went home and saw that it did go through 2 times- I called the store that day and they said take it up with your bank I called the bank the next day and they gave me {$530.00} in a provisional credit- then on XXXX they took the money back and ask me to prove I paid 3 times- I went to the bank and the man faxed the statement as prof and since then I have gotten several letters that the credit did not go through and I loose the money- They gave me the {$260.00} so far but they will not give me the other {$260.00} because they stated I did not send the required documents in 4 weeks. I did nothing wrong but go food shopping for my family and 2 large corporations will not give me my money back that I need to pay bills- they are playing with me and I am so discusted by this whole process to get back my money! 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with monetary relief