BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying on these 2 private loans for nearly 30 years, paying somewhere between XXXX and XXXX on a loan that was originally XXXX. First it was Sallie Mae and now it's Navient. My balance is higher now then it was when I took the loan out. All of my other loans are in income-based repayment. Because I consolidated these loans early on, I couldn't include them. Also it's saying they're from graduate school, that is incorrect. I originally had them with Sallie Mae and when Navient took over something must have changed. 
I spoke with them about options for paying it off and why it wasn't affecting my principal and all they wanted to do was lower my payment, extend my loan, or put it in forbearance. I had a short term in forbearance and I was in XXXX XXXX for 4 years, those are the only times I haven't been paying on them in about 30 years. They said they don't negotiate, were very rude on the phone and unconcerned about my situation. I feel like I'll be paying forever because I don't have the money to pay it off now. I am inclined to stop paying entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
LoanCare in XXXX  XXXX, a loan company and collection agency, bought the paper for my mortgage. I became one month late when I tried to change companies after a problem with them demanding I pay taxes. I am a XXXX XXXX XXXX veteran and do not pay taxes. I paid the delinquent month last summer. However, the money was not applied to my mortgage and the only answer I could get from them was that it went to fees. 

Now, seven months later and with a poor credit rating, I was finally told that last summer my monthly payment was increased by {$37.00} which I was never told. And, LoanCare does not accept partial payments. So, they put my mortgage payment into a Suspense Acct and began using it to pay late fees. I was never told it was a partial payment. I would have happily sent them the additional {$37.00}. 

I believe this is a deceptive business practice from a loan and collection company to collect additional monies. Now, my credit rating is too poor to change to an ethical mortgage company. Also, although I am now current, LoanCare is telling me I owe more than {$300.00} for escrow. When I spoke with a representative last XX/XX/XXXX, he said I was {$130.00} short in escrow. So, I sent them the {$130.00}. I am in great hopes you will investigate this company and take the appropriate action to deny them the ability to purchase mortgages from XXXX veterans on fixed incomes. Thank you. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a pre-legal notification letter from XXXX XXXX XXXX on XXXX XXXX, XXXX. I owe a jcpenny credit card debt of {$730.00}. I called to ask them for a lower settlement amount. On their website, I saw that it could be settled for {$300.00}. The person I spoke with told me, " there are no deals. I can put you on hold but we do n't make deals ''. I asked her why the website says there are settlement amounts. I told her I ca n't afford {$300.00}. I lost my second job. I told her I might as well file bankruptcy. It 'd be cheaper. She then began to tell me about my bankruptcy in XXXX and how I ca n't file again.. she was rude, vile, hateful and unethical. I called to settle a debt by payments or a settlement and I wound up berated. She asked me which attorney I will be using. I told her XXXX XXXX in XXXX XXXX, mo ... I called back later to talk to a different person but spoke with the same one. She said the account is now in litigation. How is this possible? How are they allowed to speak to people in the manner they do? They are ruthless.

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 2023-01-27
Company: LendingPoint Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
First of all I was forced to secure funding for additional dental work in the middle of my appointment before they would complete the rest of my root canal. So not only was I forced to do this in the middle of my appointment but the amount of additional cost was misrepresented by {$6500.00}. My treatment plan cost XXXX. I received a XXXX for XXXX. With the requirement that I go to a certain dentist. My treatment plan was drawn up and started by one dentist and then I had a different dentist mid appointment suggest additional work be done. Not explaining the exact cost initially just that it was all necessary work ( which it was legitimate work that I needed ) but when they showed me the paperwork to sign mid appointment while my face is numb and Im laying in the dentist chair. The figures presented to me were roughly {$1500.00} difference. So my original plan was {$14000.00} or so and the new treatment plan was XXXX roughly. But these figures did not take into account my first payment of {$6500.00}. So Im thinking Im committing to less than {$2000.00} of additional work. When it was actually {$6500.00} + {$2000.00} = {$8500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAD A LOAN MODIFICATION H.A.M.P. DONE AND NATIONSTAR STOLE MY HUSBAND EXEMPTION FUNDS FROM XXXX, THAT I USED FOR WIRE TRANSFERS XXXX XXXX OR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: FL
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:
Equifax has credit inquiries that I do not recognize or belong to me or have been authorized by me, I need this inquiries removed XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX XXXX/XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX - XXXX  XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I have not supplied proof under the doctrine of stoppel by silence.Engelhardt v Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of alleged inquiries, nor therefore any such inquiries ara in fact my.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent Recovery ( M at Lakeline ) This company has purchased or created some fraudulent debt and is targeting me for extortion by attacking my credit file 4 years after the so called first reported delinquency. I purchased a house at the time that they are claiming I was in an apartment. I never lived in that apartment and have no business with them. 4 years after they say it would have been due. This is clearly not valid debt. My name is XXXX XXXX XXXX XXXX. The company M and Lakeline has no record of me when I called them about this false claim. Rent Recovery has a bad record for falsifying debt and attacking peoples credit profiles to force payment. This illegal activity is severely damaging my family, my health, and financial life. I am going to go public with this soon in a Lawsuit if they do not delete this from the credit files and their own records. I refuse to pay debts that are NOT mine! 

Rent Recovery Solutions, You are ordered to cease and desist from reporting this fraudulent information to credit reproting companies and you are required to delete this record immediately in accordance with FDCPA Laws! If this is not deleted from any credit reporting company that you sent this to within the next 5 days as required by Federal Law, I will be filing a lawsuit to seek damages of loss of wages, unrealized gains, emotional anguish, damage to my health, and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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:
I've checked my credit report and came across the company. I've never done business with nor had an account with this information is fraud and need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it once again. This is my follow-up complaint to my previous submission. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00}

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 2023-01-28
Company: Experian Information Solutions Inc.
State: TN
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 sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 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 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 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 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 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 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 XXXX XXXX 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 2018-04-27
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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:
XX/XX/XXXX Eastern Account Systems reported a {$3000.00} debt to my credit report, showing that the debt was from XX/XX/XXXX. I reported this several times in XX/XX/XXXX and now have started reporting them again for falsely reporting the start of the debt date, which was in fact, XX/XX/XXXX. 

XX/XX/XXXX I submitted a claim through XXXX that the date was incorrect & XX/XX/XXXX I was notified by XXXX that the EAS is reporting that the information is correct. 

XX/XX/XXXX I opened a new dispute and provided the bill directly from the hospital to XXXX, showing that the debt was from XX/XX/XXXX and not XX/XX/XXXX. XX/XX/XXXX, I was notified that again EAS is stating that what they are reporting to XXXX is accurate. 

Eastern Account Systems is falsely reporting a medical visit start date and is falsely stating to the credit bureaus that what they are reporting is accurate. I also had insurance at the time of service so this may even be an attempt at double billing. 

I have/had no contract with this collection agency and do not owe Eastern Account Systems any money directly. Eastern Account Services has directly violated the HIPPA act of 1996. I never signed anything for this company to receive any medical information, the only information they are allowed to receive is date of service and amount due. They are still inaccurately reporting the date of service ( account opened ) as XX/XX/XXXX.

This debt being reported to the bureaus in XX/XX/XXXX caught me off guard as the date is so old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding has been trying to collect on alleged debt. I have sent letters and requested information. That no one with first hand knowledge has been able to answer. Yet, LVNV Funding keeps popping this alleged debt around from one collector to another. Resurgent capital services, seems to be one of their favorites. With doing so I believe they are hoping Ill drop the ball and not dispute. This has been happening for months. This might be border line illegal tactics to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was contacted by National Credit Systems for an amount owed to a apartment complex I recently moved out of the apartment complex under the motion I would be responsible for the months the apartment was vacant. I disputed the charges asking to company to Verify the alleged debt owed of {$6900.00}. All I received back from them was an itemized list of charges with accelerated rent they say I owe and the first and last past of my lease. After reviewing My copy of the lease agreement there on page 2 there is section stating I will only be liable for the dates the apartment was vacant. I am under the notion the apartment was not vacant for the remaining months on the lease as a new tenant was placed in the alleged vacant apartment. I again disputed this account with National Credits Systems and the 3 major credit reporting agencies XXXX, XXXX and XXXX. XXXX  was not able to verify the account and has since deleted it from credit report as of XX/XX/XXXX, while the other reporting agencies came back verified. National Credit systems again sent me an itemized list of the charges along with the first and last page of my lease, leaving out the verbiage written in the agreement for charges owed upon early move out of the apartment. On page 2 section 10 of the leasing agreement it states ... You will be responsible for monthly installments of rent through the end of the lease term or until a replacement is found, whichever occurs first. XXXX XXXX was a tennent in the vacant apartment this occurred first. Further the accelerated rent charges National Credit System claims I owe is not a provision within the lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: ID
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:
Submitted a dispute to Experian on XX/XX/2023 to have them remove XXXX XXXX, a medical-collection debt on my credit report. The amount is less than the {$500.00} minimum threshold established under the new credit reporting rules. Experian failed to remove the medical-collections debt and informed me on XX/XX/XXXX that the debt balance had been verified and will remain on my credit report.

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 2021-05-24
Company: Alliant Capital Management LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, my name was submitted to a collection company for {$99.00} from a company I have never done business with named XXXX XXXX XXXX at XXXX. I contacted XXXX XXXX XXXX XXXX representative name is XXXX XXXX on XX/XX/XXXX to ask why they reported me for something I didn't do. XXXX said it was from XXXX, and I asked what that was, and she said they receive a number of complaints about fraudulent claims and I would need to talk to Alliant Capital Management. XXXX gave me the number, XXXX to call referencing case number XXXX. 
I called Alliant Capital Management and talked with XXXX, and she did not know the case number, but could look it up by my social security number, which I provided. XXXX said there was a purchase for XXXX XXXX XXXX in XXXX of XXXX to an address that I last lived at in XXXX. I told her I didn't know anything about such company or purchase, and hadn't lived at that address since XXXX, and she said it was probably fraud and I would have to make a fraud report to prove it. She said they got the notice in XXXX and I have never received anything regarding such transaction until I got fraud alert from XXXX XXXX. XXXX said she would mail a verification of debt form to take to the police to file a report, which I will do as soon as I receive the form. 
To date, XXXX, I have received no documentation about any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage through a recurring payment on my bank 's website. The mortgage is set to pay on the XX/XX/XXXX of each month. The paper check is sent to the bank on the XX/XX/XXXX every month. The payment is late if received after the XX/XX/XXXX. Twice this year I have contacted SunWest regarding cashing the check in a timely matter. Currently, they have a late fee applied to my account. I don't understand why the company is not processing my checks quickly using ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  The Following Account : has violated my rights : XXXX - XXXX - Late Payments 15 U.S.C

1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2021-05-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a phone call on XX/XX/2021, stated this Fraud dept for Wells Fargo Bank, saying there was a fraud on my checking account charges of {$1200.00} with XXXX  XXXX  and two more transactions of {$250.00} each then ask if someone by the XXXX XXXX ask twice if knew this person. I replied to him do not know this individual by the name of XXXX XXXX. At the time I was at home on my computer. I went to my email there was an email to me with Wells Fargo wire transferReciecipent add to My account which I didn't authorize person on the phone told me he was moving all my monies. One account and locking at That time money was the move from 8 accounts. One of my accounts wire transfer to a person by the name XXXX XXXX to XXXX XXXX in my XXXX there was an email added to my account Email address : XXXX. Wells Fargo ha has denied me 9 times. I also have a XXXX XXXX XXXX account Document that was submitted on XX/XX/2021, received on XX/XX/2021 cert # XXXX. 
Wells Fargo Claim # XXXX. It has been over 45 days since XXXX XXXX XXXX has not received the 609E process document

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 2023-01-28
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:
I have made XXXX payments on my XXXX student loan account. I made a {$1000.00} payment in XXXX XXXX XXXX and a second payment of {$1000.00} in XXXX XXXX XXXX. All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and XXXX. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.

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