BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
Company: Fairway Independent Mortgage Corporation
State: NC
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: Investigation took more than 30 days

Complaint:
We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. XXXX says they deleted the item but XXXX refuses to remove it and that is affecting our XXXXn and XXXX report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XX/XX/XXXX did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XX/XX/XXXX by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: I.C. System, 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to IC SYSTEM INC which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2023. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then that is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

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 2020-07-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, Nissan Motor Acceptance Corporation falsely reported my account as 30-days late, in-fact ; the account was paid in full for {$430.00} on XX/XX/XXXX, which can be seen in the screenshot I submitted, which is from my Nissan account. This report was made to the credit bureau, which dropped my credit score by 13-points. For the payment of XXXX, they also charged a late fee of {$43.00}. On XX/XX/XXXX, I paid for the month of XXXX and paid the late fee, and the account is still reported as behind. 

A month or two ago, Nissan had my account listed as past due, and when I called them, a representative told me that everything was fine. During that period, Nissan was calling my phone constantly, and filling up my voice mail. I called to see if anything was wrong, Nissan said it was fine. This was probably in XXXX or XXXX. 

It should be noted that two payments were moved to the end of the loan, which is the month of XXXX and XXXX ; other than that, all payments have been made. Nissan knows my account is current, but they still harassed me with calls, made a lie about my account status to the credit bureau, and charged me a {$43.00} late fee when my account is actually current, and I paid this month 's bill early.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
During the course of servicing my loans, Sallie Mae ( later Navient ) would not allow me to consolidate ANY of my loans. Further, i was not given the opportunity to enter into an IBR plan. I was constantly told I could only do a temporary " economic hardship '' or defer my payments. Over the course of the servicing period, I had to do BOTH economic hardships and deferments on my payments. Sallie Mae also attempted to claim I defaulted on a payment due to their own mistake ( luckily, I was able to prove to them that the payment was made and the mistake was on their side ).

In 2015, my loans were moved to another carrier in which I was able to consolidate the loans AND enter into an IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by  federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, for XXXX XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XX/XX/XXXX, 2017. Also, XXXX  XXXX XXXX is NOT licensed in the State of Florida to collect a debt. This debt is reporting FALSE information on my credit report, on XXXX, XXXX and XXXX. The collection amount listed on my credit monitoring site is for {$370.00} and I was never made aware of such debt in writing. This is a violation of the FRCA.

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted the company to verify accuracy. This account was sold to a collection company and was settled for half of what was owed. The company that SOLD the debt continues to report it even though they no longer hold the account ... .delinquency can only be reported by who ever owns the debt ... but the debt was settled for {$110.00} the company is XXXX XXXX ... ..A PYMT OF {$110.00} was made by me to the collection company to settle the debt and delete ... 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 2019-05-29
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: Information belongs to someone else

Complaint:
AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.XXXXXXXX;XXXXXXXX

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 2020-07-03
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was affected by the XXXX XXXX and furloughed by the time i had to pay for the balance. I told the school and there was nothing to do therefore i paid it late. The school updated my balance and yet the collection agency is still reporting it. The balance is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: I.C. System, Inc.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recognize this account, a phone call was made to communicated that this was somebody else 's account and nothing has been done.

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 2018-03-28
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I received the lease end bill from BMW via certified mail. There is a {$250.00} charge for what i believe is a missing second key. This was on the initial inspection because I didnt have the spare key with me at the inspection prior to returning the vehicle. Upon returning the vehicle at the BMW dealership, i returned both keys and have a receipt which i assume was forward to BMW financial services. 

I called the " End of Term Specialists '' as detailed in the letter i received certified mail on two occasions only to be put on " perma-hold ''. I was never able to speak to anyone. I then called a woman named XXXX at BMW whose number I retained from my last CFPB complaint which she finally did resolve ( she admitted BMW was at fault and resolved the matter only because of the complaint ). 

XXXX could'nt get me to the appropriate department but promised that she would get them to return my call. No calls from anyone. I believe this is a common practice at BMW financial services and nothing is being done to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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:
Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us!

I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else!

They have no right to deal with my life and business! They are database and personal information thieves!!!

I see them responsible for any damage that may or may be caused to me!

The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you!

I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information!

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently applied for credit and pulled my entire report and noticed inquiries that I didnt authorize nor recognized. I called the company before trying to get the problem resolved with Experian and unable to get any type of resolution. The companies couldnt give me any information regarding the inquiries. I have recently purchase the credit lock upgrade to lock my credit from future inquiries. Please take a look and remove the inquiries that wasnt authorized nor did I give permission to the companies to pull my credit. XXXX thanks for your prompt response and action. Also I also have a fraud alert on my account. 

- XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-03-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan provider is Navient. Surprise, everybody hates them and complains about them. 

My father ( co-signer ) and myself talk to them this time every year about renewing my repayment plan for the year. As of early last year my mother was diagnosed with XXXX, we had more medical bills coming in, we both had to work less and SOMEHOW navient INCREASED our monthly payment to {$440.00} and it used to be around {$420.00}. My dad 's salary did not even increase that year. They were not sensitive to the matter at all and did not do a thing. Just said this is the best we can do and we cant lower it anymore. And of course they pulled the " oh well let me talk to my supervisor and ill see what we can do. '' No, they never help. They just make you wait longer to hear the same amount they gave you before. This year I am currently unemployed to help my parents around the house and take care of my mother. My dad is beginning to wear out and can not work as much. 

Please help. I read all of the complaints and allegations against navient. I whole heartedly agree. They don't care about the status of your life or income. I think an IDR plan is just a bunch of XXXX. Because there is no way my payments should be {$440.00} even if my dad makes a decent amount of money. 

I've gotten firm with them. I've explained our situations and lack of income. They don't care. Worst private loan providers ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX ... This number calls me 3 times on my cell and 3 times at my home. Capital One is the most annoying and most harassing company I've ever come across. Open account on XX/XX/2017. I've had XXXX XXXX on both. Water pipes bursting, car problems. Just behind on alot of bills. Explained my situation and they still call everyday. I know I owe them. I do not need a reminder everyday 6 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have had the unfortunate experience of dealing with SLS for five years now. Throughout this entire time, they have repeatedly been non-responsive to letters, phone calls, and emails. They have not filed legal documents on time with the courts and have acted in an unfair and discriminatory manner with us on more than one occassion. We have had to incur legal fees in order to get them to even return a phone call, which actually added to our financial hardship that we were trying to resolve with our mortgage in the first place.

Most recently, pursuant to the request of the attorney for SLS in XX/XX/XXXX, we filed a request for loan modification on our mortgage loan. We had previously filed a request for mortgage assistance in XX/XX/XXXX, which was never acknowledged, responded to or addressed by SLS. Rather, they filed a Notice of Foreclosure and we had to hire an attorney to help us navigate through that. We ended up having to file a Chapter XXXX Bankruptcy to protect our home. During the time the banrkuptcy was being finalized, we continued making our payments in the amount of {$2600.00}, and SLS never filed an proof of claim as required by law. At the very end of the bankruptcy, they filed a Notice of Default and we had to negotiate with them for another several weeks before our bankruptcy could be approved by the courts. They insisted on a monthly payment of {$4100.00} because they would not add the arrearages to the balance of our mortgage, despite the fact there is plenty of equity to do so. We have never been able to make that payment and after discussing this with the attorney for SLS and our attorney, we were told to file a new Request for Mortgage Assistance which would be to lower our monthly payment so we could get our mortgage back in a current status. We did this in XX/XX/XXXX. SLS acknowledged receipt of the modification in three separate letters datedXX/XX/XXXX, XX/XX/XXXXand again on XX/XX/XXXX. Each letter stated they were waiting for information which was out of our control and they would respond as soon as that information was received. We heard absolutely nothing from SLS until we received a letter last Wednesday, XX/XX/XXXX from XXXX XXXX XXXX XXXX  out of XXXX, Texas, advising us of a Notice of Default on the mortgage. There has still been no reference to our Request for Mortgage Assistance filed last XX/XX/XXXX to SLS. We responded to the letter yesterday via fax, express mail and regular mail advising of this situation and requesting our Loan Assistance application be approved so we can get back on track with our mortgage. We desperately need help getting this situation resolved as they are threatening foreclosure.

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 2017-08-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. XXXX has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting Experian and XXXX XXXX and hours of hold times with XXXX, I have not been able to resolve this on my own. XXXX XXXX has also hung up on me twice over the years trying to 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 non-monetary relief