BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-19
Company: Harvard Collections, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ONCE AGAIN HARVARD HAS DONE IT AGAIN. THEY FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS AND STP CONTACR REQUESTS WAS IGNORED. CEASE CALLING OUR CELL NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In 2008 I applied for college with XXXX University, XXXX XXXX and was told that my classes would be {$810.00} per class. XXXX University took double that amount out of my loan and I have disputed these charges with the college and with Navient but can not get any relief from either company. Navient keeps putting my account in forbearance running the cost of the loan up even higher. Somehow the company took out 2 separate loans out under my name and no one can explain to me how that occurred. I am requesting some type of help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Navient Solutions, LLC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX # XXXX XXXX XXXX # XXXX I am the cosigner for both the account referenced above. My daughter, XXXX XXXX XXXX, married name XXXX is the primary account holder. 
The credit report shows 2 late payments one for each account in XX/XX/XXXX days XXXX and her husband had been making the payments on these accounts consistently for over 2 years, on occasion I would get a call from Naviant that the payments were late, but they always arrived before I needed to be concerned. 

I expected the same on this, it wasn't until I was getting constant and harassing call from Naviant that it became apparent the something was wrong. 

I reached out to my daughter, but got no response, we have been estranged since her mother I am got divorced, I reached out to her husband and my ex-wife, still no explanation or communication as to why the bills had not been paid. 

I than reached out to Naviant, apparently the reduced payment agreement between Naviant and XXXX had expired and the payment went from XXXX per month to over XXXX a month. 

XXXX manages a retail XXXX XXXX facility and her husband had just graduated law school and was working on passing the bar, there was no way they could manage a {$650.00} a month payment. 

I discovered speaking to Naviant that, XXXX could have extended the agreement with a simple phone call or applied for an income-based payment program, she did neither, and when I attempted to extend her agreement I was not allowed to because I was not the primary signer on the loan, I could do nothing but pay, I had no other options. I did pay to have the late reporting delayed for another 30 days but with such short notice and no warning I could not pay the entire almost, XXXX that was due. 
I was already paying to have 2 other of her loans that we in default rehabilitated. 

The plan was and still is to consolidated or refinance all 4 loans with an income-based payment plan, this has been agreed to by My daughter, her husband and my ex-wife.

These 2-late payments seriously affected my credit score, dropping it over 100 points.

I have assumed the responsibility for these 2 loans until such time as we can get the loan consolidation completed, but the impact on the drop in my credit score makes this more difficult and complicated.

I did reach out to Navient to see if there was anything to be done about getting these two-late payments removed but I got nowhere. 

There are reasons why Navient has one of the worst customer service rating is the industry and they are being sued by a half a dozen or so states

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regarding complaint # XXXX : 1 ) Wells Fargo removed my ability to make my last online payment. I tried 5 times! 

When I'm prompted to make the last online payment i get a message that says : " you do not have at least 2 eligible accounts to transfer money '' After paying my mortgage for decades, WF removes my ability to make the last payment?

why?

2 ) regarding WF 's interim response that they can not get a hold of me, that's baloney! 
Ms XXXX XXXX called me 3 times to bully me about making extra payments and I disagreed with her

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I signed up for a 12 mo no interest promotion at XXXX furniture. The purchase was made XXXX. The First payment was made in XXXX of XXXX. On the last statment they changed the due date from XXXX to XXXX and stated that that was the end of the XXXX mo period. I had set up payment to be on the XXXX of each month for the previouos XXXX. When i got the last statment I noticed a red box stating the last payment was due on XXXX/XXXX/XXXX. I decided to cancel my recurring monthly payment from my online bill pay at my bank and tried to set up a one time last payment and something went wrong. They never recieved my last payment and ended up charging me full interest. I should have just left it alone. However, I tried to do the right thing, made the change and it back fired on me. I do not think it is fair for the company to change the due date of the last payment. Regardless of when my purchase was made. I belive they new this would happen and they have measures in place to force people to still pay interest. Feels like very unfair business practice. They do not have this language in place anywhere in their statements or contracts. IF it is there it is confusing. If they want payment in exactly 12 mo they should set the due date same as the purchase date. I feel the interest charge should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: FlexShopper, Inc
State: CO
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 see an entry on my credit report from XXXX XXXX XXXX in regards to a Collection account past due from Flexshopper LLC. I have never done business with Flexshopper nor have I done business with XXXX XXXX XXXX. Also the address they are saying the person who took the account out lives ate XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never lived at that address. That address on XXXX earth shows up as a hotel not a single family address. I have lived in XXXX  XXXX for the pass 10 year and before that I lived in XXXX  XXXX. I have no clue why this account is on my recorded unless someone sole my Id. I have tried to call XXXX XXXX XXXX and keep getting directed to leave my phone number and name for them to get back to me. I feel that this complain is a scam and refuse to give them my number. Also when I checked my credit report it showed that I have never payed them any money and now it shows that {$28.00} has been payed. I did not pay them and would not ever pay them. I tried to deal with XXXXXXXXXXXX  to have this removed from my credit report and they only come back with Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
I do not understand how they can do this when I have never done any business with ether of the companies in any shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: SYNCHRONY FINANCIAL
State: TX
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 order an item from Walmart.com and the item was never received by be or anyone in my household. I called the credit card company to tell them that my packaged was never received by me. but they believed Walmart since walmart shipped the packaged and have tracking number but it does not have any proof of delivery. I even went as far to file a police report but they told me I could not do that since nothing really was stolen from me .walmart is telling me I need a police report which the police wont give me. so that is the reason I try a dispute with my credit card company but they sited with Walmart. what a surprise. thank you

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 2018-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
did not answer call and a voice mail was left stating that I must call XXXX about warrant I have pending. I have no legal issues so I know this is a scam call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: Experian Information Solutions Inc.
State: MN
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:
Accounts XXXX XXXX and XXXX are not my accounts. I have disputed them multiple times in the last year. 
The XXXX account was opened with out my permission and I have contacted XXXX about this and they agreed to remove it and notify the credit bureaus.

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 2017-11-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have tried to work with Springleaf to settle out this charged off debt. My attempts have not been answered. I want to try to settle this debt but I am unable to pay the entire amount that charged off. I even hired a debt management company to help me but they have also been unable to work anything out with Springleaf. I want to make a final attempt to resolve this debt and repay at least some of the money. I do not dispute that this money is rightfully due to Springleaf.

I am soon going on XXXX XXXX ( XXXX XXXX for XX/XX/XXXX ) and my husband has been XXXX but we can make payments totaling to {$2500.00} before I am no longer working. I 'd like to offer that amount to settle this account in 3 installments. 

SPRINGLEAF FINANCIAL XXXX XXXX {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a carecredit card for my XXXX XXXX at dentist. I was told to open up this account to help me pay my bill for 12 months with no interest. I had the XXXX the end of XX/XX/XXXX. I made my first payment to them XX/XX/XXXX when the payment was not even due yet. I did not know when my next payment was due. Also since I had no interest until 12 months I figured as long as I pay on it each month. I logged into my account today XX/XX/XXXX it said I had a late charge of {$27.00} and my bill was due XX/XX/XXXX. I called them because I paid the payment of {$48.00} as indicated on the statement. Then I called them because I did not want this reported on my credit report for being one day late and I did not know my bill was due. He said according to the law they have to report it even though its a day late. My other major credit cards charge you a late fee and only report it after you have reached the grace period. I think this is ripping people off because I only got it for a medical emergency of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am very disappointed since I have a good credit report. I am upset and stressed because of this and the person on the phone did not seem to care or assist in possibly considering what I was saying.

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 2018-03-16
Company: First Advantage LNS Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX off and on for several years since ( XXXX ), and would never get anywhere but rude response from XXXX XXXX. I continued and tried to dispute the inaccuracy debt they had on my account reporting since XX/XX/XXXX under two names there using. One name is XXXX XXXX XXXX, and the other XXXX. My question is why are they reporting under two different business, and reporting on my credit stating I owe XXXX dollars. They are reporting inaccurate information, and when I called on XX/XX/XXXX to tell her that there reporting inaccurate information, got smart and nasty with me and said I do owe, and who are the other people on the joint account and where are they. I explained to her I do not owe, and why are you asking me about other people on account that I have no clue on why it's on mine. She began to argue with me, over talk me, and then hanged up on me. I called back to speak with XXXX XXXX again, still arguing with me, telling me to pay the whole amount, and I told her no, and she hung up on me again. I called back on XX/XX/XXXX to speak with someone else because I couldn't take speaking with someone that rude, and they told me I couldn't because she's the one handling the account. So I didn't speak with her that day, and I called back on XX/XX/XXXX and tried to speak real nice and polite to let her know again that the account is showing up on my credit with inaccurate information. XXXX XXXX said I remember you calling before and this is your account and you must pay, yelling into the phone. I told her that she was rude, and she shouldn't speak to people in such tone for no reason. She then hung up on me again, I called back to speak to her manager on ... got his voice mail. His name is XXXX XXXX. He called back on XX/XX/XXXX left a message because I missed his call. The very next day I called him back on XX/XX/XXXX and haven't heard from him since. Its ridiculous how they handle people at that company. it seems as though XXXX XXXX is the only person working every account and you can't talk to anyone else to get anything resolved. She's very rude, mean, disrespectful and out of control for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: KY
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 have disputed the inaccurate reportings with XXXX XXXX, and Equifax several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file XXXX XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/2020, XXXX  is reporting an opened date of XX/XX/2020, Equifax is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX XXXX and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: AL
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:
This letter is a formal complaint that you are reporting FRAUDULENT credit information. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
All accounts listed above are resulting from the identity theft that should be blocked.

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 2021-09-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient, XXXX, and XXXX have not sent information requested three times. Copy of signed signature promissory notes, fraud complaint forms ie incorrect balances and or interest rates. I do not owe the amounts listed on my credit report and have asked that the debt be listed as disputed with ALL credit reporting agencies until all documents requested have been received to confirm the debt and interest rates are correct. The lender has NOT produced my signed with my signature on my promissory notes. I believe that someone is changing the terms of my loans to make it appear as if I owe more than I actually do and the lender refuses to provide information confirming the terms of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Commonwealth Financial Systems, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXXI have notice that COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX balance of {$1500.00} has appeared on my credit report. In addition this piece of information it should not have been replaced on my credit report, On XX/XX/XXXX this collection has been removed /deleted from my credit report. Previously deleted information was reported to my credit report and is now harming my credited report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeatedly have asked Portfolio Recovery to remove and send me information when account was opened, how it was opened, who opened and signed for card. They have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My balance on my XX/XX/XXXX statement was {$750.00}. 

I made payments totaling {$870.00} before the statement closed on XX/XX/XXXX. 

During this statement period I also made new charges of {$930.00}, leaving a balance of XXXX in new charges. 

My XX/XX/XXXX statement showed an interest charge of {$18.00}. I contacted cardholder services on XX/XX/XXXX to inquire about this as the statement specifically states on page 2 : " How can I Avoid Paying Interest Charges? If you pay your statement 's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. '' Since it states they would not charge me interest on any new transactions, I should not have had an interest fee. 

The representative I spoke with advised me that interest charges are delayed a month, which meant the XX/XX/XXXX interest charge was for the balance carried on to my XX/XX/XXXX statement. I accepted this and did not press further. 

When my XX/XX/XXXX became available on XX/XX/XXXX, I immediately checked it to make sure there was no interest charge, however there was. I called cardholder services and the representative I spoke with advised me that I have to have no charges carried over 2 months in a row in order to not receive an interest charge. I asked to speak with a supervisor who confirmed this as their policy. 

While I fully agree I am due to pay an interest charge for the XX/XX/XXXX to XX/XX/XXXX billing period ( my previous balance was XXXX including the interest charge in debate and my payments were {$660.00} ) because I had a month where I paid my previous balance in full, I should have had a month where I did not have an interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: ERC
State: AR
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:
My Credit report shows : " Paid. Closed. '' ( This language INACCURATELY represents the account, as the account has actually been " Paid In Full. '' Moreover, ERC ( Company filing complaint against ) has even provided a letter showing so. Please see text copied from original PDF below : In addition, I have requested the account be RECALLED and DELETED from my credit report. The Original Creditor has also confirmed the balance as XXXX DOLLARS. 

PDF Text of Payment Letter : XXXX XXXX XXXX Mispelled first name ; should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX www.ercbpo.com/help Office Hours ( Eastern Time ) : XXXX XXXX XXXX XXXX M Th XXXX XXXX   XXXX XXXX  F XXXX XXXX XXXX XXXX Sat. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance Paid : {$410.00} Reference # : XXXX XXXX XXXX : This is to inform you that we have received payment ( s ) totaling {$410.00}. Your last payment was received in our office on XX/XX/2017. The above referenced account is paid in full. 
This agreement is contingent upon the successful clearance of all payment ( s ) made towards this offer ; if any payment ( s ) made as part of this agreement fail to clear, this letter will be null and void. 
XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation