BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2021-09-18
Company: Experian Information Solutions Inc.
State: NJ
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:
From XX/XX/XXXX to XX/XX/XXXX, Experian is reporting late payments on an account that was closed XX/XX/XXXX. I called XXXX and they claimed that they reported as a charged off account and wsa closed. However, Experian are reporting late payments which from my understanding is illegal. If an account is closed and there was no payment plan set-up with the company to settle the debt yet, or sold to an agency to collect the debt, then there should not be a credit reporting as late payment. There was a similar problem in the past before with the same account as and we're removed.

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 2020-06-24
Company: Convergent Resources, Inc.
State: NV
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 had this XXXX bill on my credit report for a long time. I disputed this account with the bureaus 4 different times in XXXX, XXXX, XXXX, and the end of XXXX. I've never had XXXX. Regardless, it's not even reporting right. It was removed by XXXX for being inaccurate but these other people wan na stay on my credit report. This is hurting my chance to grow my business and it's not even my debt. I disputed this account and they just won't remove it even though it's not reporting right or 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 2019-05-10
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : New loan company Loancare changed loan amount Original loan was with XXXX went bankrupt, and the mortgage note was transferred to Loancare LLC in XXXX Pennsylvania ( XXXX. XXXX XXXX XXXX, PA XXXX ). 
The first direct debit of mortgage payment was for the correct amount of {$460.00}, the second payment was increase to {$990.00}. We notified the mortgage company that we pay our own property tax and homeowners insurance and requested that they make the correction. No correction has been made as yet, and it is very difficult to contact customer service by phone to resolve the matter. A certified letter was sent to the company XX/XX/2019 regarding the issue and we still have not gotten the issue resolved. 
The matter is in regards to property at XXXX XXXX XXXX, XXXX, NJ XXXX on the loan with Loancare LLC. 
Please advise. 

Best regards, XXXX XXXX & XXXX XXXX   XXXX Cell : 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 explanation
Consumer complaint received 2017-12-01
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Dear Whom It May Concern : I could really use your help! As a single mother, I struggled to make ends meet, I was able to send my son to XXXX XXXX University and took out student loans due to the fact we never received child support. I did not have a college fund for my son, Im proud to announce, he graduated and is now a XXXX XXXX. Our whole family was thrilled for this because the majority of us are police officers for the city of XXXX. 

Since XXXX, Ive been making monthly payments. At some point, unbeknownst to me, my loan was sold. I was unaware my payments were not going through the loan company until my tax refund was taken due to lack of payment. I was n't given any credit because of the fact my loan was sold. 

After my refund check was taken, I now had an account number added to the loan. When the government restructured the student loan process, it feel between the cracks. I immediatley contacted the lender and set up a new payment plan. They stated once I made XXXX consecutive payments, I would be in good standing with the loan company. I made the payments and still another tax refund check was taken from me. 

This year, once again, while taking my tax refund check, they resold my loan. I was still in the process of setting up a new payment plan and Im still waiting for that to go through. The new statement stated the same thing as before, if you make XXXX consecutive payments, I would be in good standings On the last line of the application it stated, after making the XXXX consecutive payments of my loan, will again, be sold to a new lender My credit rating went from a XXXX to a XXXX. I have always prided myself in having great credit and making sure I pay my bills on time while raising XXXX children without child support and working XXXX jobs, without help and any outside assistance. The original loan was set at {$16000.00}, now it has jumped to {$48000.00}. 

Im am begging for help! Im forever going to be on this hamster wheel, regarding this student loan. Due to the fact that they will always be reselling this student loan to new lenders. Im a hard working woman and truly need your help! Please consider taking on my case. 

Thank you so much for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX REPORTING PUBLIC RECORDS THAT I. OPTED OUT OF FTC VIOLATIONS BY LAW I HAVE THIS RIGHT!!! 
REMOVE ALL PUBLIC RECORD INFORMATION

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 2019-05-10
Company: CITIBANK, N.A.
State: SC
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 called in XXXX and requested that I be able to move my credit limit from two of my citi accounts ending in XXXX and XXXX to my XXXX   card XXXX. When I spoke with this person in the other department I was informed that I could not move the credit lines from the two other accounts and to call back and try again after the statement cut said okay and hung up. I WENT ONLINE TODAY AND DAY THAT THIS AGENT CLOSED MY ACCOUNTS WITH OUT MY AUTHORIZATION. 

I AT NO TIME SAID YES GO AHEAD AND CLOSE MY ACCOUNTS I WAS NEVER READ A DISCLOSURE I HAVE THE ENTIRE RECORDING MYSELF I SUGGEST THAT YOU GO PULL IT!

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 2019-05-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to get a hold of equifax for my credit score and they told me they can not pull my reportbat this time because my social does not match

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient said I could lower my monthly payments through income repayment plan. After requesting the plan, my monthly payment increased rather than decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Professional Recovery Management
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Fox Collecent I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received ten phone calls today from XXXX at my home, place of employment, and my parents residence. An automated voicemail from XXXX XXXX has been left multiple times instructing me to call XXXX. When I call back I reach the voice mail of XXXX XXXX but their system will not allow me to leave a message. These phone calls are harassment of both myself and my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cavalry Portfolio Services has been reporting a collection debt to both XXXX   and XXXX since XX/XX/XXXX. This is supposedly for a XXXX XXXX credit card account that was included in a bankruptcy I filed back in XXXX making the debt no longer owed. I contacted Calvary Portfolio Services on XX/XX/XXXX and was told they could not release any information to me about the account. I called again on XX/XX/XXXX and was told the same thing. They are violating my rights under the FCRA and refusing to supply me with any information validating their claim or proving this debt is valid. Their reporting is harming me financially and after repeated attempts to resolve with them I have gotten no where. I have new current credit lines with XXXX XXXX and this makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
A few weeks ago I talked to rapid cash/speedy cash to let them know that I had XXXX recently and wanted to cut off my automatic draft so that I could stop payments from coming out my bank account automatically. They agreed, and took it off. Just to be safe I called my bank and ordered a stop payment on my account as wel which I received in the mail confirming it. I went into rapid cash and said that I have to pay for my rent and a few other things after the XXXX and was a little behind and that I wanted to try set up payments for a smaller amount until I could afford my regular amount. They said I would have to contact customer service to pay a smaller amount but that the automatic drafts is off. A few days ago I called customer service and I told them that I could not afford my regular payments at the moment and that I wanted to see if I could pay something smaller. They agreed that I would only have to pay {$50.00} every 2 weeks or less until I was able to pay more. They said I could even pay {$25.00} each account. They said that I could either call in on Friday and make the payment with my bank card or I could go into the store. I opted to go into the store to make my payment on the due date. They said they could not stop the Collections calls since I 'm not paying the minimum amount but they could limit it to every 3-4 days. Today XXXX XXXX before I went to go make my payment agreed upon I checked my bank account and I noticed they withdrew {$300.00} something out of my account even though they said my automatic drafts were turned off and my bank stopped the automatic drafts. When I called my actually bank they said that the original time rapid cash tried to draft it it did not go through. So they changed their numbers around to try to draft the Money out of my account until it worked. My bank thankfully stoppped it after it started processing.. When I called rapid cash/speedy cash customer service department they said I never stopped the automatic draft because I would have to call 3 separate departments to do it, which they never told me up front. They said it was off. Also, my bank did a stop payment on drafts from them and they still changed there numbers around to draft it. I want to make payments in smaller increments and pay it off but I do not know what to believe anymore, because they are doing something different then what we agreed upon. Even though I am setting up arrangments with them to pay over the phone they are still charging my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: EQUIFAX, INC.
State: NJ
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 just received a copy of my credit report from Equifax Credit Bureau. My report shows that they verified that I lived at XXXX XXXX XXXX XXXX NJ. This is correct. They also stated that they verified that I lived at XXXX XXXX XXXX XXXX, N. J. at the same time that I lived at my current address. This was impossible for them to do. They violated the law. No one at XXXX XXXX XXXX XXXX, N. J. stated that I lived there. Also they stated that my previous employer was XXXX XXXX XXXX this is incorrect I never worked this company and no one from this company ever stated that I worked for them. Also a XXXX debt that I disputed they stated that XXXX XXXX on XX/XX/XXXX that this debt was a charge off and XXXX loss the money that was owed on that debt. This was impossible for them to verify because XXXX sent me a XXXX in XX/XX/XXXX for me to claim this debt on my tax return. Again Equifax Credit Bureau has violated the law by putting erroneous information and not reporting the truth, on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Bread Financial Holdings, 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:
My social security card was stolen along with other items and was use to try to get a XXXX XXXX credit card, XXXX XXXX credit card, & XXXX XXXX   credit card. I called numerous to resolve the issue with Comenity Bank but no resolution. I also called the credit bureaus. The inquiry remark from XX/XX/XXXX & XXXX is damaging to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR FINANCIAL ASSISTANCE TO SAVE MY HOME WITH BAYVIEW, I HAVE COMPLIED TO THE NUMEROUS REQUEST FOR DOCUMENTS AND WAS INFORMED THAT THEY HAVE DEEMED MY FILE COMPLETE WITH RECEIVING ALL DOCUMENTS NEEDED TO SEND MY FILE TO THE UNDERWRITING DEPARTMENT. THIS WAS DONE AND CONFIRMED ON EVERY CALL SINCE XX/XX/18. I WAS TOLD THAT THEY WILL HAVE A DECISION WITHIN 30 DAYS SENT TO UNDERWRITING, I HAVE REVIEWED THE FHA HANDBOOK FOR MODIFICATIONS TO DOUBLE CHECK AND THEY HAD ONLY 30 DAYS TO ISSUE A DECISION. THEY ARE WAY OVER THAT GOING ON 2 MONTHS HERE IN A FEW DAYS, ALL THEY SAY IS WE ARE BEHIND. THAT HAS NOTHING TO DO WITH ME THAT THEY ARE BEHIND AND THEN THEY START GETTING RUDE AS IF I AM BUGGING THEM TO DO THEIR JOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Worldwide Processing Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called my father at his work, my cell phone repeatedly and has threatened my professional license to work in the state of California. They did not identify the name of the company in the phone call, and threatened to call " any and all references on file ''. I have never recieved any written correspondence from this company regarding any owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated 3 separate wire transfers with Coinbase ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and none of these transfers were received on the dates promised. 

I opened several support tickets with the company and only one was responded to ( only once ) stating there was a bug with wire transfers and they were looking into the problem. In their support email, they told me : " If you dont see the funds within the next 2-3 business days, please let us know. Thank you for your understanding. '' I did not receive the funds in 2 - 3 business days ( it has been 6 days since they sent this email ). After 4 days passed, I responded to them explaining that I had not received the funds. They did not reply to me. 

I opened several other support tickets, but none were responded to. 

I also emailed the CEO 's public email twice requesting that my case not be ignored and have not received any word back. 

I 've also called my bank and asked if they saw any pending wire transfers on their side, but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HIPAA VIOLATION / CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute for an account listed on my credit that is being reported inaccurately. XXXX came back reporting that the dispute was closed and the account verified. XXXX is a debt collector, however they are reporting an open factoring account on my credit and by definition factored debt can't be reported by a debt collection company. This account is reporting open with a balance purposely to damage my credit further and force me to pay to remove it which is debt parking. They have also reaged the debt so it is reporting as newer. I am not confirming the debt. This account needs to be removed immediately as it is inaccurate and a violation of FDCP at this point as they have verified inaccurate information. I am disputing ever having this account as there is no contractual obligation. I dispute the reported balance of {$100.00} as this is inaccurate. I dispute the creditor classification as XXXX is a debt collector. I dispute the date the account was sold to XXXX. I am requesting proof that XXXX purchased a " factored account '' and that this account was in fact factorable at the time of sale and complies with the Univorm Commercial Code which governs factoring. DEbt collectors are not allowed to report as a factoring company with an open status. I dispute the fact that I have an " open account '' with XXXX. I dispute the reported " high credit '' in the amount of XXXX. I dispute that this account has terms and also dispute that XXXX is a " Factoring Company ''. FDCPA is a " strict liability '' statute meaning the violation is permanent once committed can not be " undone '' by subsequent action. The civil liability for these violations under FRCA 15 U.S.C. 1681 n sections 616 is {$1000.00} per violation and {$1000.00} for each FDCPA violation.

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