BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
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:
On XX/XX/2020, I spoke with XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} ), she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received several ( each 2 hours all day ) which were ROBO Calls from XXXX XXXX ( XXXX ) XXXX. Announced that if I was a specific person, I should input 1, if not input 2. I input 2. I input 2. I was told to pause the message to input 1, which I did. I was then told to get the particular individual and get them to the phone. Then the ROBO call went back to if you are " " input 1 If not input 2, but then added if this is the wrong number input 3. I input 3 and the message went back to if you are " " input 1 and if not input 2, at which point I hung up the phone and and took down the information and called them back to put in a complaint. 
The first thing they asked for was the phone number associated with the account. I explained that I had no account with them and that we had no previous business arrangement with them ( which is why I tried to register this as a violation of the do not call registration. I also told them that I did not appreciate the harassing ROBO calls and to remove my phone number from their records. 
I got in touch with the specific person ( who does not live here and has not given our number ( XXXX ) to XXXX XXXX. Evidently they got my phone number from public records and decided to try to collect a debt using constant harassment. 
The harassment started before noon today, and had a repetition rate of once per 2 hour period, until XXXX this evening when I finally had enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Monday XX/XX/2021, XXXX XXXX XXXX XXXX, I approached the TD Bank branch at XXXX XXXX XXXX New York, NY. It was approximately XXXX am.There was a XXXX crew working at that corner and there was a XXXX guard inside the ATM area. I was advised to pull my face mask up.There were XXXX ATMs .One of them read, " Out of service ". I made an ATM withdrawal for XXXX dollars on the other XXXX but it did not print out a receipt.When I attempted a balance inquiry the machine kept my card.I spoke to XXXX at TD bank Customer service over the phone later that day and he advised me that TD bank could retrieve my card for me and return it to me When I spoke to XXXX, the Branch XXXX at the site of the occurrence, he would not agree to return my XXXX manifests some of the irregularities that has resulted in my not getting Employment offers, Credit Approval or Acceptable account balances through TD bank.My Account balance has not been restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX to Freedom Mortgage. On XXXX I received paperwork ( dated XXXX ) from XXXX about " Notice of Servicing Transfer ''. Today ( XXXX ) I contacted Freedom Mortgage to ask about what amount is due and when. I was told " whatever you paid your other morgage company ''. 

The rep gave me a loan # and stated that's what I should use for my payment. She ( Freedom Mortgage rep ) then said that my " acount has not yet been moved over '' but that I have until XXXX  XXXX to make a payment ' XXXX XXXX is 6 business days from today ( XXXX ). I then asked when would my account be moved over and she said " well our paperwork says by XX/XX/XXXX ''. I asked her if Freedom would notify me when my account IS moved over ; she said no. I told her I was not going to send money to a nonexistent account and asked if I would then be penalized for not paying on time. She said 'no '.

So I still have no idea when Freedom will officially have my account and apparently this company- Freedom Mortgage- doesn't know. 

Freedom Mortgage also says to use their automated system, which I tried to do and everytime I entered my phone #, I get the message " yourinformation is incorrect '' ; it's not. I now suspect this is because Freedom STILL doesn't actully have my account up and running.

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 2017-12-14
Company: Exeter Finance Corp.
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:
Car was wrecked and was suppose to been covered with XXXX coverage. A payment was never missed. Only had vehicle for about a month. Information on credit report is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from XXXX XXXX, in the letter it states that Crown Asset Management is in the process of suing me got debt on a over stock XXXX XXXX account .The letter stated for debt from XXXX. I filed for bankruptcy in XX/XX/XXXX and this was not attached to my bankruptcy.I have not received any billing statements from overstock or XXXX XXXX.I feel there might be some kind of identity thief or fraud. I have called all and have not gotten any help I have asked for billing statements and Itemized debts .XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Netspend Corporation
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/18 XXXX XXXX XXXX XXXX made me aware, checks for dates,XXXX {$180.00} XX/XX/18 $ XXXX,XX/XX/18 $ XXXX,XX/XX/18 {$200.00},,, all drawn acct number end XXXX,, I told Mrs I don't use check 's, I tried to call my Netspend customer service representative no answer phone ringing, 3times, i emailed netspend on XX/XX/18, no response XX/XX/18 no response, i have had many problems guarding, money missing, the customer service representative some time refuse me management and not all manager with netspend will return call or help with Netspend law regulations, please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated from XXXX in XXXX of XXXX. Since then, I have been working in several XXXX XXXX doing XXXX XXXX. While I enjoy what I do, it doesn't pay me super well. After years of making on-time and complete payments on my Navient private student loan interest, I was jettisoned into a {$900.00} a month repayment plan. Obviously I can't afford that and also live, so I reached out to Navient to try and resolve this. I was told that the best option was to forbear my loans, so I did this multiple times until I couldn't forbear them anymore by XXXX of XXXX. After that, I was told that Navient could potentially help me with a lower payment plan. Myself and my cosigner gave the information that was asked of us, but were denied. A month or so later, in late XXXX or early XX/XX/XXXX, I called Navient to make a credit card payment, which they refused to accept. They again suggested a lowered repayment plan, which I informed them that I had already been declined for. At this point, they informed me that a chunk of the information necessary from me and my cosigner was missing, which leads me to believe that whoever took the information initially was deliberately leaving out financial information in an effort to manipulate me and my cosigner out of money that we point blank do not have. I was incensed. I asked them to provide me with all of the necessary documentation to prove that they own the debt. Today 's date is XX/XX/XXXX. I asked them for that paperwork over a month ago. I have not received it, so I have been avoiding their calls since because I just can't afford to pay them. They are now threatening to report to the credit bureau on my cosigner and my credit scores, but I don't see how they can do that when they can't even seem to send me the proper paperwork they'd need to even do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I RECENTLY SETTLED A OLD CHARGE OFF ACCOUNT WITH XXXX THAT WAS DUE TO FALL OFF MY CREDIT DUE TO IT WAS AN OLD DEBT FROM 7 YEARS AGO I AM IN THE PROCESS OF PURCHASING A HOUSE AND WAS ADVISED BY MY LENDER THAT THIS ACCOUNT WOULD NEED TO BE TAKEN CARE OF I CALLED AND SETTLED THE ACCOUNT WITH XXXX. I PAID AND SETTLED THIS ACCOUNT IN FULL AND FORWARDED THE LETTER TO ALL CREDIT BUREAUS TO REFLECT THE ACCOUNT IS SETTLED AND TO REMOVE THE ACCOUNT FROM CREDIT, I KEEP GETTING THE RUN AROUND THE CREDIT BUREAUS HAVE UPDATED WITH A BALANCE ON THE ACCOUNT WHEN IN THERE IS NOTHING OWED. THE ACCOUNT NEEDS TO BE DELETED.

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 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 checked my credit reports and I found items that do not belong to me. I requested proof of the account and did not receive a response from the credit bureaus. I also asked for a change of address and that was not done. I also did not receive notice 5 days prior to these accounts being placed on my credit report. According to the FTC and TCRA, I am supposed to receive a notification and I have not received a notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: CORELOGIC INC
State: GA
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've reached out to CoreLogic Credco twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by CoreLogic Credco

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 2020-11-23
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A lawsuit was won against Santander and I fall under the criteria for loan deletion off of my credit report based off of -the time frame I opened my account with Santander -credit score & income at the time of loan signing -falling delinquent and repossession under 12 months after signing - high interest rates I was a XXXX year old victim of predatory practices by Santander. I did not have my job for more than a month, not enough income, no down payment, bad/little to no credit, no drivers license, a trade in with no title. Etc talked into a contract with Santander because they were the only bank that would accept me. 

I have contacted Santander on multiple occasions to inform them of not completing my credit deletion despite mandatory order. They will not do it and wont tell me why they wont even though I fall under the judgment criteria. They wont send me any paperwork requested or provide me with my credit information at the time of signing. I disputed with XXXX  and spoke to XXXX. XXXX refereed me to Santander and Santander refereed me to AG Virginia. XXXX does not handle credit deleting only the restitution payments. I was told to file a complaint again. 

Account opened XX/XX/XXXX Behind on payments XX/XX/XXXX Repossessed XX/XX/XXXX On top of non quality consumer. 
Credit/income etc. 

I have all credit information showing I fit under the criteria for loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or remove them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-03-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello CFPB, I have been making reduced payments to Navient since XX/XX/XXXX due to financial hardship while my account was being reviewed. Navient then stated that I need to make higher monthly payments without clearly communicating nor acknowledging the program requirements. I have been in communication with Navient to continue with the reduced payments to prevent my private loan from going into default. I have sent in paperwork to show I can not make higher payments and was denied ( 3 ) times. One of the reasons I was denied according to a Navient representative was, " the director has an issue and/or does not agree with the amount you pay for rent. '' Navient phone call recording will validate this conversation. I have recently spoken with a representative multiple times this week starting ( XX/XX/XXXX ) via phone in attempts to negotiate and was not advised that my account was already placed in default. I received a letter in the mail today ( XX/XX/XXXX ) that was allegedly written and mailed on ( XX/XX/XXXX ) stating I have until ( XX/XX/XXXX ) to " make suitable payment arrangements '' even though I'm currently still making the same reduced payment. I believe this is fraudulent activity and illegal practice on behalf of Navient. I would like to explore other options to discover a reasonable solution resolving this issue that ultimately does not result with my account in a default status. 

Thank you for reviewing this matter. 

-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am a victim of XXXX XXXX due to my data being breached by Equifax and their inaccuracies reporting on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019, attempted to pay Wells Fargo an annual fee of {$30.00} due on a secured credit card I have but the teller refused to accept the payment stating that the fees due were in the amount of {$60.00}. She suggested I call Customer Service which I did and was told that I had an additional fee of {$30.00} but could not explain why this fee was for interest on my bill. On XX/XX/XXXX, XXXX, XXXX, and XXXX I explained that I did not use my card so how could I be charged interest. The representative then told me I was charged a {$5.00} late fee. I have had several other issues with this company charging late fees and over billing before but eventually the charges were dismissed. 

On the third of XXXX I spoke with the Credit Card department and they refused to correct this error. i was transferred to Customer Service where i lodged a complaint regarding this issue. The representative said it was the Banks fault and told me he would remove the fees including the annual fee. I've had problems with this company before therefore I always check back a couple days later making sure charges have been removed but as usual the {$60.00} charge is still on my card.There are XXXX different card number that stemmed from a chard that I denied, not only did Wells Fargo not take off the card number they add the charges back to my card like I never called here r the numbers { XXXX

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 2017-12-14
Company: Williams, Rush & Associates, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving continuous calls even after I advised them to stop calling me. I have sent them a cease and desist letter which they have completely ignored. They have been leaving message and calling all hours of the day I feel this is now becoming harrassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: IL
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 the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts 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 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 These have violated my rights. 

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

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

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any adverse item of information other than records of convictions of crimes which antedates the report by more than

seven years. 15 U.S.C. 1681s
-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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