BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
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 information incorrect

Complaint:
I 'm sorry to keep bothering the CFPB with all my credit problems, but being XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have no choice. I call the credit bureaus and they get frustrated with my XXXX, and my writing looks like chicken scratch.everytime I look at my credit report I find more and more wrong.i found a reaged account in my old XXXX XXXX account with experian.i do n't want to wait any longer than I have to to put this ordeal behind me.

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 2017-08-09
Company: AFNI INC.
State: VA
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:
Contacted company by phone and by letter advised the account in question does not belong to me. Stated to the rep that XXXX has moved this account on to 2 other collection agencies have sent proof account is not mines. Rep advised account would be sent to the credit bureaus have tried to obtain a home loan being stopped by this collection affects my credit score.
other collection agencies have removed after finding info provided by XXXX were bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There wasnt an exact selection matching issue at hand. 

Progressive Management System just appeared on my credit report yesterday XXXX XX/XX/2020 which was surprising to me as I have received ZERO notification since my dispute last year. They were notified last year which is also the last correspondence that this was an absolute error and dispute. 

I contacted XXXX as we have had them for years and are very aware of all of our costs. XXXX investigated and found that XXXX XXXX XXXX entered the wrong billing code and that we were billed improperly. They were advised to fix this at that time. PMS also was to ensure XXXX XXXX was given the account back with no collection efforts. 

This is absolute frivolous collection with zero recent communication and XXXX has already confirmed multiple times this is not owed by the consumer we pay $ XXXX  monthly for health insurance to have the best so no this is not accurate or valid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Southwest Credit Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The account was for a security system. XXXX Account XXXX I tried to pay the amount owed, however they said it had been turned over to Southwest Credit.  When I contacted Southwest Credit they said they did not have a file on it. 

So I tried again to pay XXXX Account XXXX. I have emails that I sent attempting to pay. I also have screen shots of where I attempted to pay online, but was they would not take payment. 

I was contacted by someone from Southwest Credit after a couple of weeks of not being able to pay XXXX directly. 

I told them I would pay, if they would change the negative report. The lady with Southwest Credit was extremely rude, and I told her that I would pay the amount but I wanted the negative information on my credit taken off since I attempted to pay before it was turned over to the Southwest Credit agency. It took them over two weeks to even verify that they had the file. 

This was for a XXXX security system that we have never used. The salesperson told me that we could cancel at anytime, and that it was a two year contract. XXXX was a 5 year contract ) I could not see the small print, so for that I am at fault for trusting the XXXX representative. 

I am unable to add the screenshots and emails from your website. The dates were XX/XX/XXXX through XX/XX/XXXX. I was not contacted again by Southwest Credit, for 2-3 weeks after I contacted them  regarding the file. They said they did not have file during this entire time, and XXXX would not take payment because they said they had turned over to Southwest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage XX/XX/2021 and I was supposed to receive 3 checks totaling {$5300.00} but for the past year I have been calling Cardinal to check on the status of the checks and I was told numerous times that the checks are " on the way '' but have not received anything thus far. 
At this point I feel that I am in titled to the checks plus compensation for the misleading information told repeatedly by customer service representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 i sent a person money through my bank account and a zelle payment only to later find out that the person i sent the money to was a scam and the bank would not refund the payment. I have filed a Police Report and still awaiting the next step but the money was never returned from the person or my bank. I sent XXXX from my XXXX  XXXX checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Specialized Loan Servicing Holdings LLC
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 information incorrect

Complaint:
In XXXX of XXXX, I received my monthly mortgage bill. The payment due was showing {$1100.00}. That exact amount was paid on XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX claiming that my account was 15 days past due. and that a late charge of {$57.00} had been applied. I immediately called customer service. They seemed confused themselves and I was told I would get a call back the next day. 
When I finally received a call back, i was explained that the amount on the last bill was not a payoff amount. I insisted that I paid the amount stated on the bill and that I could not understand why my account was considered late. 
After a few calls, I was finally given a payoff amount of {$220.00}, which I was first told could not be paid over the phone and that I needed to wait for a letter stating the payoff amount. 
By then, more time had gone by and the amount I was to pay was {$320.00}. I called on XX/XX/XXXX and, surprise! This time the payment over the phone was possible! 
Then I received another bill for {$77.00} Then a " Request For Mortgage Assistance Application '', followed by a credit on my bill for {$120.00}, but a refund check for {$72.00}. 
I would have expected from my mortgage company to send payoff amount before the term, just like another mortgage company did for my wife. I could have avoided all that confusion and a credit report showing a late payment of under {$100.00} and a loss of over 100 points off my then exceptional Fico score. 
I feel that the reporting has been unjustified and unfair and wish you review this to help me resolve this.

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 2018-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My identity was stolen which included but was not limited to Federal income taxes being filed without my permission. On XX/XX/2018 I requested the validation of these 2 accounts on my Experian credit report : XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX I received a letter stating that the debts were verified with no supporting original documentation. Telling me that the accounts are correct without validation does not support a valid investigation per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). They are only stating the exact information that I questioned to begin with.

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 2020-10-31
Company: U.S. BANCORP
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had my credit pulled recently to purchase a new home to find that US Bank had reported a 30 day late on my mortgage for XX/XX/2020. I refinanced my home in XX/XX/2020 and they received payoff for this mortgage on XX/XX/2020. I have verified that the XXXX payment was received and that they received the payoff of my mortgage on XX/XX/2020 leaving no payment due for XX/XX/2020. 

I have been contacting US Bank every day since XX/XX/XXXX to resolve this issue and still do not have resolution. They have provided a letter stating that the XXXX payment was not past due, but have yet to provide something stating that the XXXX payment was reported late in error on my credit. 

I have spoken with 11 different customer service reps and all but 5 of those were supervisors. Yesterday my husband reached out to them as a second voice and when he asked them about correct the letter finally provided to reflect the XXXX payment not past due as we requested, they said they could not help because their supervisor was no longer available, but that we could follow up on this tomorrow. Tomorrow being Saturday, XX/XX/XXXX. He asked if the supervisor would be there in spite of the fact that it would be Saturday and was told yes. When we called today, Saturday XX/XX/XXXX, they were of course closed. 

This error on their part has lowered our credit scores from the 780 range down to 660 range and is costing us tens of thousands of dollars as we have already sold our current home and have a {$20000.00} Earnest Money deposit on our new home that would be lost if we walked away from that transaction. They are leaving us with little choice but to close on our home at a rate that is more than 1 % higher and is requiring that we will have to pay XXXX  points for discount fee. 

I am sure that we will be in a position to refinance out of this loan when we finally resolve this issue, but it will then cost us another set of closing costs. 

We are engaging legal counsel against US Bank at this time.

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 2017-08-09
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit 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 have a Fleet Farm Credit Card which is held by XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX to pay off my credit card in full. I submitted my payment with the lady on the phone and she gave me my confirmation number of XXXX. My account had the amount of {$330.00} withdrawn from it on XX/XX/XXXX. I received a letter stating that my account was past due on XX/XX/XXXX. I then contacted XXXX XXXX to ask if it was a mistake or if their system sent it out to early and XXXX informed me that our account was still delinquent and showed a balance of {$330.00}. I then gave her a our confirmation number and was put on hold for 26 minutes to only get the response that they do not know where the money went if it was truly paid and that it could take up to 10 business days to reflect on our account and to call back then. I waited longer and contacted them back on XX/XX/XXXX. I spoke with a rep and directly asked to speak with a manager and she proceeded to want the details to relay to him so I gave them to hear to have her respond with " Sorry Sir, I understand your frustration, but I ca n't help you with this '', in which I responded " Thank you for wasting more of my time, so please get someone who can handle this situation ''. I then was put on hold for 25 more minutes to get greeted by XXXX ( who would not give up his last name ). I then had to repeat everything to him and ask him why my card still showed a balance on it. He then stated that they have no proof that I paid the card off, so I gave him the confirmation number AGAIN, to which he stated that he saw that in the system, but no payment was reflected to it. I then asked him what is a confirmation number for. He laughed and stated " Proof of Payment '', to which I responded " So you have proof that we paid it '', to which he laughed again and stated that it is not in their system or if it was " Truly Paid '' they do n't know where it was applied. He then told me that I needed to send proof of payment via a bank statement. I told him that I had it pulled up and could email it to them. He then stated that they have NO EMAIL! Who has no email? I then cooperated with his request and told him that I would print it and send it to them. I sent them the statement on XX/XX/XXXX and contacted them today, and was told that they never received the statement! I then asked the female rep to speak with a Supervisor and she said I need to put you on a brief hold. I was put on hold for 49.32 minutes to then have them disconnect the phone from me. I am beyond amazed of the rudeness, un-tactfullness, disrespect-fullness and no care for customer service that this corporation has HIGHLIGHTED in this simple problem.

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 2023-04-03
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 information incorrect

Complaint:
According to the Fair Credit Act credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. My Equifax report is used by majority of bureaus and wrong information greatly effects me with much higher credit card interest rates, higher home and car insurance premiums, and higher home mortgage interest rates as a consumer. This account has been payed off as of XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This is a HIPAA Violation. On XXXX someone called me from I C Systems stating that they bought my account on a already closed account and stated we will call and give out your information and talked rude to me with foul language. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.

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 2022-04-26
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:
I have names, addresses, phone numbers, employers, inquiries and collections being fraudulently reported on my consumer report. I did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collections being furnished on my consumer report. 
15 USC 1681E ( B ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please remove and update the inaccurate information thats being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am filling a complaint because my Navient student loan was recalculated without my consent in a manner that I believe to be illegal. Additionally, the communications I received directly from Navient concerning forbearance proved to be misleading and unnecessarily confusing. This is especially disheartening as I am ending the end of my loan and have never missed a payment in over 30 years. 

On XX/XX/XXXX, the State Government of Ohio declared a shut down due to coronavirus. At that time the President of the United States informed the public that the interest rates on federal student loans would be 0 % and student loan holders were advised to call their lender if their employment was affected. 

XXXX XXXX XXXX officially closed routine medical care practices on XX/XX/XXXX leaving me, a XXXX XXXX  XXXX, out of work until the opening on XX/XX/XXXX. I called Navient on XX/XX/XXXX to inform them that I was out of work dut to Covid-19 shut down and that my ability to make payments of {$540.00} could possibly be affected. The Navient representative told me that I did not qualify for 0 % interest, but I could still make payments. I made it abundantly clear that I did not want to do anything that changed the terms of my loan. This representative assured me that my loan terms would not change. 

I have enclosed my account summary information that confirms a full payment of {$1200.00} well in excess of the {$1000.00} due for the month of XXXX. Despite this, I received notification that my loan balance had increased by {$4600.00}. After receiving this notice I immediately called to have forbearance canceled. This request was ignored. I have since received correspondence stating an increase in payment from {$540.00} to {$570.00} until XX/XX/XXXX. 

Upon questioning Navient, on XX/XX/XXXX, about the increase in payment and failure to cancel forbearance I received a strange answer. I was informed that the payment increase was due to a miscalculation between Sallie Mae and Navient that occurred during a transition between the two companies in XXXX. This is simply not an acceptable response and I am requesting my loan terms be restored to their pre-crisis level.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: WA
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:
To Whom It May Concern : I sent a request for the method of verification to Equifax via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the XXXX I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX of XXXX put me into a predatory loan when I bought a XXXX XXXX in XXXX. The loan was to run for 6 years and $ XXXX. Early this year I entered into a settlement agreement with Santander, the loan on the car, that releases them from any liability. As part of the settlement agreement I pay {$390.00} every month, and they reduced the amount owed on the loan. Santander 's legal department and I signed the settlement agreement, and I would send the settlement payments to their XXXX department. I have not missed a payment or been late on any of my payments. Santander violated the settlement because they have been reporting me to all 3 credit bureaus saying I have been delinquent on the loan. I no longer have a loan, because I settled for a reduce amount. I have XXXX XXXX and I am unable to get a job because it ruined my credit rating. This is causing me physical stress and making me more sick. Santander violated the agreement when they reported me to the bureaus after we reached the settlement. It 's unfair that Santander does n't have any penalties for violating the agreement, when every other consumer would. They are treating the legal settlement agreement as one sided which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I contacted First Progressive Bank and notified them that I lost my job and am experience financial hardship due to Covid-19. I requested that they not report my account as late until I could resume to make payments. They closed my account and kept reporting my account as late Due to this my credit report has suffered irreparable harm

Company response to consumer: Closed with explanation