BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Experian Information Solutions Inc.
State: MD
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 recently obtain a copy of my credit report and noticed accounts i did not authorize

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 2017-08-01
Company: Focus Holding Company
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called 10 times asking for information about the collection they will not response.. the put a collection in my credit report is not my they are saying I have to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I became unemployed and took a forbearance with my mortgage company Loan Care. I came back to work in XXXX and by XXXX was ready to resume payments starting in XXXX for concern of the amount owed. I was assured I would not lose my home and was given information about a deferment and placing the owed amount on the back of my loan. They were supposed to reach out and never did. I called back numerous times, each time receiving different information. I was told a deferment was not an option for me and that a supervisor would call. I have called each month trying to get accurate information until I called once again in XXXX and was told I needed to submit a mortgage assistance application. I have and they have since given me the run around and made me provide tax information for XXXX and XXXX, which have nothing to do with COVID or unemployment. I called again Friday XX/XX/XXXX and they made me print the return and sign and date it and then fax it. I had already emailed them PDF copies but the representative stated they needed proof from me it was real with a signature and date. I told the representative due to the COVID relief package my mortgage is able to move the amount on the back of the loan and he stated they are the ones that make that decision. I let them know they are not above the law and I know my rights and will seek a lawyer if need be. The way this company is treating someone who has been trying to pay since XXXX is not okay and they need to be addressed for the added stress of the process of doing things " their '' way.

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 2018-07-03
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This my second complaint in addition to my initial complaint which was closed. 

I joined XXXX loan service forgiveness program and account was switched by XXXX to FedLoan my XXXX payment of {$500.00} was due to XXXX on XX/XX/XXXX. It was paid in full and on time. XXXX then switched over my accounts to XXXX two days later on XX/XX/XXXX as the servicer. Once i received the login info for fed-loan and logged on to pay my XXXX installment to the new provider, I then discovered that my accounts were delinquent and 30 days past due. I then contacted XXXX XX/XX/XXXX to find that my payment was not transferred over. I was told that will take up to 60 days to appear in my account. I have submitted various proof including bank documents to XXXX XXXX XXXX and have received ZERO response. It is now XX/XX/XXXX which is well over 60 days past the stated date. XXXX has yet to credit my account when i have provided AMPLE proof including my bank records that this payment was in fact made and no payments have been missed. This has caused my loans to further appear in delinquency as well as negatively affect my outstanding credit score. In order to avoid this I would be forced to make another payment immediately which would cause me financial hardship. I have called almost weekly since the beginning of XXXX to be told no one can help me, and then XX/XX/XXXX they said the billing department finally received my proof which I sent XX/XX/XXXX and it was sufficient. It is now over 10 business days since i have recieved this information and over 16 business days since i sent the proof after months and months of this ... .. and yet still my account is showing an owed balance of {$500.00}. I would like XXXX to apply my money to my account. It is strange to me that my payment process in 3 days however getting a credit has taken months? I feel that XXXX is trying to steal my money and as I said this is negatively affecting my credit score and my ability to purchase other items due to this. I do not think I should have to be punished as someone who pays their bills on time and works very hard to stay afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i have filed several disputes with Experian dealing with a few accounts. i have sent proof that the information is not reporting correctly, yet they send automated letters saying it updated and verified. it can not be verified as it still reports incorrectly. i have asked for information on how the investigation took place and what info did they have to prove that the information is correct. On XX/XX/XXXX they received the first dispute asking to investigate along with PROOF. they responded that the information was updated, however it was NOT. on XX/XX/XXXX i sent a re-investigation letter asking for details of how the proved the account they did not send any information but claimed it was verified. they did not aknowledge any letter i sent. XXXX XXXX  has admitted that they do not have any information to validate that I am truly liable to a debt, yet Experian says they have it and will not send to validate the debt.

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 2020-08-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a text message from my Father on Monday XX/XX/2020 In reference to a purchase in the amount of {$6.00} that he made on his PayPal MC through Synchrony Bank and the item never received. My Father put in a dispute and the {$6.00} was refunded. On XX/XX/2020 the same merchant put a charge in the amount of {$95.00} on his PayPal MC. My father is XXXX years old and has a XXXX and is unable to speak to use the phone. This is were I came in to help my Father. I called Synchrony Bank on or about XX/XX/2020 to see what process needed to be completed to help my father rectify this issue. I was told by a customer service representative that I needed to have my father type up a letter with his name, address, SS, DOB, Synchrony CC account number my name, address, SS and DOB have my Father sign ( no notary needed I asked ) and fax it  to a specific fax number. This would be a lead time of 7-10 days and to call back to see if they received the letter. I followed their instructions and when I called back they did not receive the letter. I faxed the letter again, waited 10 days called back and was told that was not the proper process. I was told by a supervisor in a not very nice manner that my Father needed to obtain a durable power of attorney and I need to fax the POA to a specific number. Additionally, I was told by the supervisor that if one thing was wrong with the POA it would be denied. To review the POA this would have a lead time of 7-10 days and to call to see if received. My father received notification in the mail from Synchrony Bank on XX/XX/2020 that they received a request from my Father to add a POA to his CC account and that additional documentation was needed. On XX/XX/2020, I spoke with a Synchrony Bank customer Representative that explained to me that not only would I need to complete additional documents that I need to sign and have notarized, that they need to receive a letter from my Father explaining exactly what authority he would want me to have. I tried to explain to the representative that a durable power of attorney states what authority I have. I first reached out to Synchrony Bank on or about XX/XX/2020 and it is now XX/XX/2020 and I have not been able to resolve or help my Father 's problem. Meanwhile, on a daily basis he received numerous phone calls, emails and mail in regards to his account not being paid. Additionally, his credit score has gone from the XXXX to XXXX. I will complete the steps that need to be taken to received the authority needed to resolve this problem. My problem is each time I call I have to send more information due to not receiving the correct information each time I call.

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 2021-03-29
Company: EQUIFAX, INC.
State: MO
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:
My name is XXXX XXXX and I am submitting this complaint and there is no 3rd party involved. This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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:
Seven years ago, I had a single, protracted, but continuous delinquency event with a XXXX XXXX XXXXXXXX mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago XXXX XXXX chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. Equifax has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as XXXX XXXX XXXXXXXX on this error, but have been unsuccessful in getting them to correct it. 

XXXX XXXX XXXXXXXX claims that they are accurately reporting the account status, while XXXX XXXX is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Frontline Asset Strategies, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving letters from a company that represents XXXX. They are claiming that I owe them {$180.00}. I do not. Upon cancelation of my service from XXXX I asked the representative if I was clear of my obligation to them and they assured me that I was. I am receiving messages threatening my credit rating and I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got hurt at my job which at the time was XXXX, XXXX the owner took me to the ER which was XXXX Texas ER. He had paid the bill in full I was under the impression that he had taken the bill through his insurance and paid it full. So I have tried contacting the collections to get it off my credit. They have not been communicating with me. I tried disputing it nothing has changed.

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 2018-07-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
On XXXX XX/XX/2018, XXXX XXXX XXXX XXXX, reported me dead, while I was traveling overseas with my wife. I had been banking with this institution for 32 years, the action prevented me for getting into my funds at the time. Did not do anything drastic, which I should of, due to the 32 years with them I let them fix the error/issue or report. Took them 3 weeks, and still not 100 % as of yet. However, when I pull my credit report with XXXX, it shows that the person using my social security number was reported dead by USAA. I proceed to follow a dispute which is allow with XXXX, same came back XXXX XXXX, stating that USAA did not change their original report, meaning I still dead according to them, maybe time and place but still same report. I do not even have a credit score anymore and I was reported by them without credit history. Please tell me what to do? my full name is XXXX XXXX XXXX, XXXX. 

Please advise XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX  XXXXXXXX reporting 9 missed payments. Months are inaccurate. Company ignores my evidence. Monthly payment is {$260.00} a month. Payments were not 30 days late. If payment is due the XXXX and I pay the XXXX that should not be reported.

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 2018-07-30
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$410.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT TO BEGIN WITH. ERC IS AGGRESSIVELY ATTEMPTING TO COLLECT THIS DEBT THAT I DON'T OWE AND DOES NOT BELONG TO BE IN FIRST PLACE. I CONTACTED THEM SEVERAL TIMES WITH NO LACK, RESPONCE THEY PROVIDED ZERO VALIDATION OF THIS ACCOUNT, I ALSO CONTACTED XXXX WHO DID NOT FIND AND PAST DU EACCOUNTS IN MY NAME AND UNDER MY SOCIAL #. I COMPLAINT WITH BUREAUS WHO STATE THAT ERC HAS VALIDATED THIS ACCOUNT. ERC IS CALLING MY WORK, MY PARENTS HOUSE AND THREATENING TO ARREST ME OR LIEN MY HOUSE IF I DIDN'T PAY THIS AMOUNT IMMEDIATELY, THIS SHOULD NOT BE ALLOWED!!! PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Navient Solutions, LLC.
State: CA
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:
1. We received our first piece of mail from Navient datedXX/XX/2018 stating that our first payment would be due XX/XX/2018 in the amount of {$590.00} 2. We received another piece of mail from Navient dated XX/XX/2018 stating that they are our new loan service provider. Note that both letters say, " Keep an eye out for your first Navient billing statement '' - clearly implying that this was not a billing statement, and that billing had not yet commenced.

3. We received a second piece of mail from Navient dated XX/XX/2018 stating that our first payment would be due XX/XX/2018 in the amount of XXXX 4. We received a letter in our post office box AFTER XX/XX/2018 from Navient, dated XX/XX/2018 stating that we are 135 days past due and that we owe {$3600.00} 5. Tried calling Navient on XX/XX/2018 no one answered, no way to leave a message 6. Sent a summary of the above as a message to Navient on their website on XX/XX/2018 7. Received electronic message from Navient via our account on their website dated XX/XX/2018 addressed to XXXX, stating that if we pay {$68.00} within 10 days, the account will be paid in full 8. Sent check for {$68.00} to Navient via certified mail on XX/XX/2018 9. Payment of {$68.00} processed by Navient and posted to our account on XX/XX/2018 10. Sent a message to Navient on their website on XX/XX/2018 explaining that we paid our account in full per letter of XX/XX/2018 ; requested confirmation and that no negative credit be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Seven years ago, I had a single, protracted, but continuous delinquency event with a Bank of America mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago XXXX XXXX chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. XXXX  has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as Bank of America on this error, but have been unsuccessful in getting them to correct it. 

Bank of America claims that they are accurately reporting the account status, while XXXX XXXX is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of 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 2021-03-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Have submitted ALL required documentation to report & block ( remove XXXX accounts that where reported as identity theft. Ive submitted : - a letter notifying XXXX XXXX XXXX XXXX - Identity theft report with FTC - Identity theft report with XXXX XXXX XXXX - list of fraudulent accounts - copy of my XXXX XXXX XXXX XXXX card and recent utility bill. 
Ive submitted all the above documentation 3 times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased total loss protection for a used XXXX XXXX XX/XX/2012 through XXXX XXXX of XXXX. I was told when the car was totaled in an accident that I was over charged the value of the car and the GAP insurance would not cover XXXX dollars. I payed XXXX of this XXXX not knowing that the Gap insurance should have cover all of the Total loss of the vehicle. Fifth Third Bank was the lender I garunteed my loan through. They are sending me letters saying I owe them money. I have not called the number on the form because I do not want to communicat with them verbally. This claim is against Fifth Third Bank XXXX XXXX and XXXX XXXX of XXXX Massachusetts. Fifth Third Bank has admitted to 15 million settlement since they have allowed automobile dealers to charge higher interest rates to XXXX XXXX and XXXX borrowers than XXXX borrowers with similar loan qualification. Because the bank is admitting to wrong doing, why are they still requesting money from me?

Company response to consumer: Closed with explanation