BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: Global Credit & Collection Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, XXXX XXXX called and tried to tell me that I needed to tell her my Social Security number and to go over my assets with her. First of all, I have never heard of her or her company Global Credit Collections in my life. I DO NOT NOR WILL I EVER HAVE A CONTRACT OR ACCOUNT WITH THESE LAND SHARKS, or the company DISTRESSED XXXX XXXX XXXX XXXX..How a  complete stranger can call and insist on these things, I have no idea. 
I told her I do not give out this information to people who call me. She then told me to call her back so she would know who she was! REALLY???? 
I told her I was working and couldn't take calls at work and hung up. 
On XXXX, she called my office number and was disconnected. She called me on the XXXX on my private line, while I was at work, after being asked not to. On XXXX she called my office line again and was disconnected. I called her right back, told her who I was and asked her if she just called me and she said ''YES ''. 
When I told her not to call me at work, she DEMANDED me to verify who I was ... ..um yes, already did that and she admitted she called me. Lets check the recordings. 
XXXX was the last straw, when she called me and HUNG UP!!!!. I am sorry, but I don't HAVE TIME FOR GAMES.I called her back and told her not to call me at work, to which she replied, we work during work hours, when am I supposed to call????? OMG!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-06-30
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX received a garnishment levy order to withhold {$16000.00}. ordered by Persolve LLC.they sid that the original debt was {$10000.00} plus {$6400.00} for interst.they took that money from My checking account. 
When I got the papers from XXXX and Sherif department after the took the money I started to investigate why. XXXX said that they serve me on 2013 but I never got serv at all. When I mention that they said that everyone says that. that never show on my credit report at all. The other thing is that on my checking account was federal money there from the stimulus check and my husband 's social security pension payments too. I explain that to them but they do not listen to me that's why I summiting this complaint. I want to know when and who said that he or she serves me in 2013 what time and what address because by that time I moved after I lost my house. I like to know why they took so long to show up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: STERLING JEWELERS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I was emailed a receipt in the amount of {$3500.00} from XXXX XXXX. The receipt was in my name. However, I have never purchased anything from XXXX XXXX, and live nowhere near the store where the purchase was made. I contacted the store and was told that they could not help me and that I had to contact XXXX XXXX directly. I contacted XXXX XXXX and was told that I would have to visit the store in person to resolve the matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient lures borrowers into deferment and income based repayment then they raise the costs of the loan repayment to a level that people cant afford. They have also added numerous frivolous fees to my loan. They have harassed me, my friends, and my family for 2 years now during the pandemic. I did not originally borrow that much money but have so many fees they say I owe over XXXX dollars. I am XXXX years old and will never have these loans paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Mark A. Leachman P.C.
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have paid the amount in full but company stated I did not. They have failed to provide proper documents showing amount not paid in full. Did not call or email stating balance was due and now is trying to charge additional fees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is not the first time we have had issues with payments with Synchrony Bank. There are two medical loans one from my XXXX and one from our XXXX. Payments were due by the XXXX  of each month. On XX/XX/XXXX I made an on-time combined payment of {$210.00} ( XXXX + XXXX ) and no finance charge. On XX/XX/XXXX I made an on-time combined payment of {$210.00} ( XXXX + XXXX  ). These payments show on the Synchrony Bank website however I was charged a {$27.00} finance charge showing a late payment on the XXXX. But my payments were on time. Once again a problem with Synchrony Bank payments. This {$27.00} finance charge must be refunded and an investigation conducted why payments to Synchrony Bank are not recorded correctly.

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 2019-09-03
Company: JPMORGAN CHASE & CO.
State: KS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had a lease for a car for my daughter for three years through JP Morgan Chase. I was 60 days ahead of all scheduled monthly payments throughout the initial lease period. In XXXX, my daughter decided to extend the lease for 6 months. She was informed by Chase, that the payments would remain the same. Nothing more was disclosed. 

I had a credit monitoring service just inform me that my credit score took a hit due to JP Morgan finance. I immediately called chase over the Holiday Weekend and they were closed. I called today, Monday,   XX/XX/XXXX and was informed that when the lease was extended, new payment arrangements had to be set up. I was never informed of this via letter or otherwise. I asked Chase today, why didn't they call me to inform me of late payments. They stated they have 'too many accounts ' and 'we don't always call. But we do send a letter '. 

Interestingly, today I received a letter from chase stating I was behind on payments. I already settled the matter this XXXX, and when I inquired as to clearing the delinquent reporting to credit bureaus, Chase stated we can't do anything for you '. they stated that I was told on XX/XX/XXXX 'that new payment arrangements must be made ' ( I never talked to anyone, my daughter took care of the lease extension ). I was told that there were details involving the conversation ( that I never had w chase ) so, I asked if Chase would mind sending me the recorded conversation. I was told 'this would not be possible '. 

So, I now have a derogatory credit report from a company where I made payments 60 days early for three years and when they extended the lease, and didn't receive new payments because I didn't know I needed to reschedule payments, Chase now reports me delinquent for {$100.00}, and they won't access the alleged call where anyone was notified of the new payments needing to be scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax falsely denies receiving my notice of intent to sue in regards to the attached complaint. 

Equifax is insistent upon wasting administrative and judicial resources instead of a simple admission of receipt. 

Attached is a Fax Delivery Confirmation indicating that Equifax is in receipt of said intent to sue which includes an intent to sue. 

Sending this via regulatory proxy so that Equifax will cause further injury to it 's claim if it falsely continues to insist that said Notice of Intent has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: NY
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 leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till mid-XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt collector was not forthcoming in establishing the reason for the call and claimed to be recording the call for training purposes but the nature of the questions and desired answers were very suspicious. They seemed to want to corner me into saying certain phrases and words or as opposed to an organic question and answer conversation. The methods were similar to unorthodox methods used by fraudulent debt collection companies in the past that recorded strategic parts of a call to construct false narratives and claims in order to pursue unnecessary and exaggerated ( and often illegal ) actions. I told the debt collector that I had just returned to the United States and had reached out to the original company ( XXXX  ) earlier in the year to handle the debt. They were not satisfied with that answer, became insistent that I was stalling and I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have contacted XXXX  3 times to file an appeal to a decision to raise the credit limit on my card based upon incorrect information reported by Equifax and XXXX. I have not received a letter for denial nor a copy of the credit report they used to justify their decision. They have provided no information to justify their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I can not get a decision from underwriting on a refinance and modification of the existing mortgage loan. I am requesting reduction in the monthly mortgage payment from the current rate of approximately {$1200.00} a month to {$800.00} a month and amortization of the current arrears on the loan and a lower interest rate on the mortgage loan.

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 2018-11-12
Company: Waypoint Resource Group, LLC
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:
XXXX has been non-compliant with removing the unverified account WAYRESGRP which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that WAYRESGRP was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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:
I been a victim of IDENTITY THIFT PROBABLY FOR OVER SERVERAL YEARS. ACCOUNTS, COLLECTIONS, AND INQUIRIES.i HAVE SENT MULTIPLR TINES THRU THR FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS, ACCOUNTS, ETC AND INSTEAT OF BLOCKING IN THR 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON. TO PLEASON SEND ME DOCUMENTS OF PROOF. THEY DIDNT DO IT.. THE ONE ACCOUNT THAT THEY DID TAKE OFF. THEY PUT BACK ON, SAYING THAT THEY CALL ME MULTIPLE TIMES, WHICH IS A LIE.UNDER THE FCRA THEY WOULD NOT PROVID ANY PROOF OF WHAT INFORMATION THEY HAVE. IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY 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 explanation
Consumer complaint received 2017-11-09
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From what I understand, starting in XXXX XXXX, Hunter Warfield initiated reporting an account on behalf of XXXX XXXX XXXX that is wholly inaccurate and only getting worse. The original debt was listed as {$1800.00} and last reported, XXXX XXXX, as {$2000.00}. I disputed it a number of times explaining I do n't owe anything to XXXX. This debt is not my responsibility, nor is the ever-growing balance, yet H.W.  continues to verify it when I dispute the account to the various reporting bureaus. They have yet to explain the increase in the amount, nor have they provided any validation of the debt in response to my disputes.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, my mortgage loan with Habitat for Humanity was transferred to a new loan servicer XXXX XXXX XXXX XXXX XXXX, XXXX. I was unaware of a loan service transfer. I made contact with several entities to assist with foreclosure prevention. There are 12 of us impacted by this loan servicing transfer to a non-registered mortgage servicer. My loan with habitat was not supposed to be transferred to a non-regulated loan servicer. My original mortgage servicer Habitat for Humanity requested to buy back my loans as it was sold in error to a non-regulated mortgage servicer. I need your help in keeping my home and get them alone sent back to my original mortgage servicer. I was not notified 15 days prior to the sale of the mortgage that there will be a loan transfer. 
Please help me keep my home.

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 2019-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: NCC Business Services, Inc.
State: SC
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:
Without informing a consumer/ customer, with a legit itemized reciept, proves the inaccuracy of debt. Fulfilling my 12 month lease, and cleaning my apartment beautifully after moving out, should have created less debt owed. This is a crime and it will not go unnoticed. NCC has ruined my reputation of credit and is causing me to take legal actions because of the unprofessional way the business chose to handle a loyal customer. I'm unhappy with the inaccurate information the company reported. Illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After receiving a seniors tax break on my home, the Loan Servicing Company ( LSC ) reduced my monthly payment. Soon after, the County raised my taxes by about {$320.00} per year and my homeowner insurance went up {$20.00} per year. Now the LSC wants me to pay them {$1000.00} more per year to make up for the {$340.00} change. The {$90.00} per month increase is considerable when living on Social Security. 

I called the LSC and they offered to adjust the increase to about {$60.00} per month, but that is still a lot under my circumstances. I asked them to waive their cushion of nearly {$300.00} to help absorb some of the shortage, since it was their calculations that contributed to the problem. They would not agree. 

I had to ask three different people before I could get someone to provide me with your agency name so I could ask for help. I hope you can help with a more reasonable solution to this situation.

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 2017-11-09
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : 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 and XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Nelnet, Inc.
State: LA
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 has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation