BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONSUMER ENFORCEMENT ACTION As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11.  Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy CONVERGENT OUTSOURCING and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under 1692k.

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 2018-10-12
Company: LINCOLN MORTGAGE COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include DPD Office XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There has been addresses that I never lived at being put on my credit report. I have been disputing this for over 4 years now. I filed a complaint with CFPB and you contacted Equifax. One of the things your website suggests is that I contact the company, or persons submitting the wrong information to get this corrected. I contacted Equifax and they gave me the run around. I contacted CFPB again, about being given the run around, and that Equifax will not give me the information, and another letter was sent to Equifax. Today I received a letter in the mail from Equifax stating that the information that I provided does not match their records. Again they want a copy of my birth certificate, pay stub with SS # on it, SS card, driver 's license, mortgage statement and utility bill. This is just a game they are playing and giving me the run around again. I am not giving them this information. They have all my information and I want the information as to who is giving them the incorrect addresses for me so I can contact them to correct it and put a stop to it. If I don't receive this information in 2 weeks I am contacting my lawyer to take this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My complaint is both XXXX and XXXX are reporting the status of an account with two different account numbers XXXX # XXXX and XXXX # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally XXXX continues to contact we and not my attorney who is currently handing my account via POA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a student loan payment due the XX/XX/XXXX of each month. Because I am now paid at the end of the month ( instead of the XX/XX/XXXX as before ), I requested to have my payment due date changed to the first of the month.

I made a payment for the bill due on XX/XX/XXXX late on XX/XX/XXXX in the amount due of {$260.00}. Immediately following that, I requested through Navient 's online request system to have the due date changed. 

I received electronic notification via Navient 's automated message servicer that my loan billing groups had to be changed in order to change the due date and the next payment would be due XX/XX/XXXX. 

Shortly after that, I received notification that I had a new message. It was a generic informational pamphlet about allocation. When I logged in to view that message, my account showed that I had a monthly payment of {$260.00} past due with a due date of XX/XX/XXXX. I immediately contacted Navient through their online email system to inquire about this mistake. 

When the issue was not addressed, I called the Navient call center. The customer service representative was unable to read the changes to my account correctly. The rep told me that my payment from XX/XX/XXXX was still pending and the past due notice would go away when it posted. This was incorrect, as the XX/XX/XXXX payment had posted both in my bank statement and on my account information page on Navient 's website. 

As a result of the phone call, I received two automated emails saying my email requests would not be addressed since the customer service rep had addressed my issue. I sent additional emails via their website to inform them that the issue had not been addressed and to please explain why there was a payment due XX/XX/XXXX and why I had not been informed about it. 

Having not received a response from Navient, I logged into my account again to check on the status and my bill date had been changed back to the XX/XX/XXXX of the month. I was not notified in any way about that change. Additionally, it now shows my XX/XX/XXXX payment in the amount of {$160.00}. I paid the full amount of my bill {$260.00} which can be proven by my bank statement. 

I have received no notification as to the status of my account, why my loan due date was changed, why my account no longer reflects my payment of {$260.00}. I have sent multiple requests to Navient for assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: General Motors Financial Company, Inc.
State: MI
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:
On XX/XX/XXXX the co-debtor on an auto loan through GM Financial filed Chapter XXXX Bankruptcy. This plan was confirmed on or around XX/XX/XXXX. The car loan through GM Financial was included in the wage earner 's plan and paid regularly by the Trustee. In XX/XX/XXXX the court issued an order that the car was to be surrendered under the plan and the balance of the loan after proceeds from the sale of the vehicle would be considered unsecured debt paid at 100 % through the plan. I am listed as a co debtor on this account and am protected under the automatic stay. Fast forward to today, nearly 3 months later, and the car is still here. GM Financial has knowingly and fraudulantly reported the full balance of the loan on my credit report, marked the account as 180 days derogatory as of XX/XX/XXXX, which is not accurate considering the Trustee paid them in XX/XX/XXXX. They also changed to notation on the account to reflect open and delinquent as opposed to included in chapter XXXX wage earners plan. They are violating my co debtor rights under the automatic stay and hindering my ability as a consumer to get financing for a car as their malicious and deliberate false reporting dropped my score nearly 80 points and tainted my account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Due to the butched up involvement of this very institution, after I HAD DENIED A CHARGE OF INSTANT CASH WITHRAWAL, Citybank had failed to remove that charge from my bill so I had asked this institution to UPHOLD FEDERAL LAWS OF A DISPUTED CREDIT TRANSACTION!! This institution failed to assist in complying with federal credit laws!! 

Now, Citybank had claimed to close the disputed account, and WITHOUT ANY APPROVAL they opened a second and a third account ADDING THE DISPUTED INSTANT CASH WITHRAWAL TO THE NEW ACCOUNTS, completely without my approval at all!! When contacted Citybank, they claimed that the accounts WERE OPENED BY THE XXXX IN XXXX, their security division. This is became a nightmare by a RUGE BANK who disseminates credit and personal information to a FOREIGN COUNTRY which has no duty to comply with US LAWS and able to do anything with the information of a US customer, citizen, without any recourse by the very citizen.

I demand US Attorney General to review Citybank 's conducts and assess the highest fines available to a RUGE BANK, repeatedly violating US credit laws!!

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 2020-09-01
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan on XX/XX/2020 with netcredit. The advertisement online states that all credit types are accepted for quick and easy loans. I put in an application and was denied because of factors that made my credit score lower. So the overall reason for denial was my score itself. I feel stressed out enormously over an advertisement that stated quick and easy but has not been quick or easy and falsely advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Experian Information Solutions Inc.
State: MI
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/2018 I filed a Chapter XXXX Petition in the XXXX, MI Federal Court.  Sometime in XX/XX/2018 my plan was confirmed and the auto financed through XXXX XXXX was ordered to be surrendered. In XX/XX/2018 the lender retrieved the vehicle from my residence and sold it at auction leaving a residual balance of around {$9000.00} which was rolled into my Wage Earners plan to be paid at 100 %. XXXX reports to Experian and XX/XX/XXXX. They are currently reporting correct information to XX/XX/XXXX, however, for some reason they reported nearly 12 months of late payments that destroyed my report. I disputed this item and called the creditor numerous times and requested they correct their Experian reporting. They verified their reporting was incorrect and verified that they sent over the correct information to Experian on 3 different occasions. Experian alleges they never received the updated information so my score is still suffering because of this one account and Experian 's " simple '' upload process does not work as it says my 2 pages document to prove this error is " too large to upload ''. The Experian Dispute team is not helpful what so ever and the guy I talked to today even hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have XXXX student loan accounts with Navient. On all of the accounts they reported me late in XX/XX/2019. I do not understand why they are reporting me late. I don't believe they sent the statement. I have not had any issues paying these accounts on time,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Social Finance, Inc.
State: IL
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:
In XXXX of XXXX my father-in-law suffered a XXXX XXXX and my wife had to stop working for 4 months to care for him. As a result, our monthly income was decreased. I contacted my credit card companies and loan companies and asked what payment assistance they can give. My credit was impeccable. No missed payments in 20+ years. Every company assisted in allowing me to defer payments or allowed me to pay a lower payment or interest only. Nothing negative was reported on my credit. 

However, when I spoke to Sofi Lending Corp in XXXX of XXXX, they said they would allow me to skip 3 payments and it would be added on to the end of the loan. I spoke to a XXXX XXXX XXXX at Sofi (  email address : XXXX ). I received an email with a link to the secure message. The message has since been removed from the Sofi document center. But I have a copy of the email. Everything was agreed to verbally ( as was with XXXX, XXXX, and XXXX XXXX XXXX, all of them were extremely accommodating during the medical crisis ) I skipped the first payment as instructed and then I was receiving past due phone calls. Each time I spoke to them, they said their system wasn't updated as I explained the agreement. Each time they said they updated my file to show the deferment. But they kept calling for the next few months and I as adamant that my credit not be affected. They assured me it would not. I started making regular monthly payments in XXXX of XXXX and made the monthly payment on time each and every month. However, when I applied for an auto loan in XXXX, my credit score was greatly decreased due to multiple missed payments on my Sofi account. I contacted Sofi MULTIPLE times and they keep telling me all they show is the account was consistently past due. THIS IS INCORRECT. I contacted the credit bureaus, all 3, they said Sofi is claiming the information is correct. 
I need to have my credit information updated to show that NO PAYMENTS WERE EVER PAST DUE TO SOFI LENDING CORP .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have put in for disputes I recently XX/XX/XXXX Have received a call from my parents home about being served papers of a court summons dates XX/XX/XXXX Not giving me the proper timing to respond This has shown on my credit report by two different collectors I  have no idea the debt their collecting And frankly feel like their fraudulently doing this ... 


Last year XXXX XXXX XXXX asked me to pay a large lump sum through some account I did and its still on my report after sending XXXX  two years ago its still there .... 

So this makes me feel like this maybe something similar that their trying to pocket money for a sycophany bank I do not recall any loans from this bank

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 2019-01-19
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I bought a XXXX XXXX XXXX about four months ago at a dealership called XXXX XXXX in XXXX. I got financed by a company called XXXX  XXXX XXXX XXXX. The day I purchase the car the manager at the dealership didn't let me test drive the vehicle before purchasing it. The the car had problems with the transmission or the engine I'm not sure what the problem was. I told the dealership to fix my car and they denied to fix it. I contacted the finance company and they told me the loan went through without me giving authorization that the car was in good running conditions. I told the finance company to tell the dealership to fix my car. The finance company told the manager at the dealership about my situation and I got a call back from the manager. He was angry at me telling me that the finance company was going to back off from the loan if I didn't tell them that the car was running good. They told me they would fix the car if I told the finance company that the car was in good running conditions. But they never ever tried to fix my car. The finance company knew about this problem from the start ever since I got the loan. Now my car got repossessed because I haven't given the first payment. I don't think it's fair that I didn't even get to enjoy or drive my car in the time that I had it. Now I don't know what to do since the loan went through and it's already on my credit and my car is repossessed. This looks like the finance company and the dealership worked together to sell me a lemon car that I didn't even get to drive. And now I owe them {$8000.00} because the loan went through without me approving of it. I need help getting rid of the situation I have XXXX kids and they're the reason I bought the car in the first place. Only to have a car that I couldn't even drive for 4 months until now that it's gotten repoed.

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 2019-01-19
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
You do not help people. You take complaints, but take no action. You accept Ditech 's response and close complaint. Ditech lied about the way things were handled, but you would do no further investigation. You accepted their response at face value. What kind of help do you actually give? 

Ditech Financial LLC should be investigated. There are many complaints against the. What good do you do if you don't look into Ditech? 

I can prove Ditech lied, but you won't look any further. 

I DON'T THINK YOU ARE DOING YOUR JOB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: GA
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:
These fraudulent accounts need to be deleted immediately : 1.XXXX XXXX XXXX Acct # : XXXX 2.  XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

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