BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$5700.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was involved in an automobile accident and the vehicle was deemed a total loss. I filed a lawsuit and won the court case against the other party. The court determined that I was not at fault for the accident. Consequently, the insurance company paid the remaining balance due on the vehicle. ( I have attached a copy of the police report for reference. ) There is no outstanding balance due and therefore nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making all my payments to mortgage company ( Caliber Home Loan ) on time, that includes Escrow ( tax, insurance etc. ). Recently I have been informed by my insurance provider ( XXXX ) that my mortgage company has not made any payments to insurance provider. XXXX has canceled my insurance and are not ready to reinstate the policy. I called Caliber four times in last three days between XXXX XX/XX/XXXX to XX/XX/2020 ). I was told by mortgage company representative ( on XX/XX/2020 ) that they will call insurance provider and will make overnight payment to reinstate policy. I called mortgage company again today two times and asked about the status on their discussion with XXXX. I asked them to connect me with a supervisor to resolve the issue. No supervisor was available and I was asked to leave a voicemail. I left the voicemail and requested mortgage company manager to call me back to resolve and close the issue. No called receive so far. 

My home is uninsured at the moment and XXXX has served me a collection notice. They are not ready to renew my policy. I have been suffering due to mortgage company 's ignorance on not making payments to insurance provider. There is no delay from me on my mortgage payments and all my dues are clear till date, still I'm facing this issue of non-payments to insurance company. Mortgage company is suggesting me to get new policy with other provider, which will increase my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called Credit Management calls me repeatedly, at least 6 times a day. They refuse to tell me who they are or what they want other than a business matter. I have never heard of this company and have never done business with them. I also have never received any correspondence from them other than the phone calls. The first call this morning was before XXXX XXXX. The first few time man they called I tried to ask questions and was told until I verified my name and social they wouldnt answer anything, and they have cussed me and hung up at least twice when I ask questions. I have told them repeatedly that I have no business with them and to stop calling. I want this handled.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I graduated from the XXXX XXXX at the University XXXX XXXX on Friday, XX/XX/XXXX. My first student loan payment is scheduled due on Wednesday, XX/XX/XXXX. My student loan servicer is Edfinancial Services. 

While the quick turnaround is not in itself a problem, my loans qualify for 6 months of forbearance and/or deferment after graduation. I need to utilize this grace period because I will not start working until XX/XX/XXXX.

However, as of Monday, XX/XX/XXXX, there is NO WAY to contact my servicer. They have three customer service phone numbers posted online - none of them work. Each phone number plays a XXXX message saying that the phone number has been changed or disconnected. They have an " Email Us '' option that is currently broken. 

I also called the Department of Education and their financial aid people to see if they could get me in contact with my servicer. They gave me the same phone numbers from the website that are disconnected. 

This process is honestly an absolute joke. I am entitled to modify the terms of my repayment but I am unable to do so because the company is unable to be contacted. It's completely unprofessional and, honestly, predatory, because I know that Edfinancial Services will magically appear if I don't make my payment on Wednesday. 

Any help that you can provide would be greatly appreciated. I will be following up with the OIG at the Department of Education, as well as my school 's financial aid office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was enrolled in a Rate Reduction Plan for the past 15 months. My monthly payment was {$500.00}. The time has come where my contractual monthly payment of {$700.00} would begin next month. As I called the company after receiving an email to discuss an extension, I was turned down. They did a " monthly financial statement '' where they asked me questions based on my monthly expenses. I estimated each financial question. After giving my financial statement, they denied me and told me that based on the information, I make enough money to pay the contractual monthly payment. They then looked on my credit report to determine what my monthly payments are ( credit card statements, loans, car payments, etc ) to try to show me that I have extra money left over. Just because my monthly payments are a minimum payment, does not mean that I do not pay more to avoid paying just interest. I do not think that determining by " word of mouth '' is an accurate way to decide what program I am eligible for or not. I then spoke to a supervisor who told me that there was absolutely nothing that they can do for me. If they want to see my annual federal income, I will be glad to show them my tax returns. I am a student struggling to pay my student loans and I think it is completely unprofessional that this company is turning me away for not be able to afford a high monthly payment and is not willing to work for me, or to enroll me in a different payment. I have been dealing with this company for over 7 years and they are rude and unprofessional. They are disrespectful and I do not appreciate being turned away when this company is supposed to help us struggling students pay off our debt. Employee numbers- Supervisor XXXX XXXX- XXXX, XXXX XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: RFNA, LP
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was sent a check in the mail offering me a loan with XXXX XXXX, around XX/XX/XXXX. I cashed the check in of XX/XX/XXXX, started my monthly payments in XXXX of {$150.00}. I got with a debt consolidation company called XXXX XXXX XXXX to help consolidate my debt around XXXX or XX/XX/XXXX.  The following account with XXXX XXXX was added to the debt consolidation. I didn't make payments with XXXX XXXX moving forward, however I went to court for the account with XXXX XXXX to agree upon moving forward their payments will be received from XXXX XXXX XXXX. I have documents showing payments being made to them timely and a pay off date. I have been harassed about payments from XXXX XXXX, which they have indeed been reviving from XXXX XXXX XXXX on time ( I have documentation ). XX/XX/XXXX the account for XXXX XXXX was paid off in full thru XXXX XXXX XXXX. But now XXXX XXXX has been adding derogatory remarks to my credit report, and building late fees to my credit report, and not once XXXX XXXX have reached out to me regarding the amounts added to my credit report. Will upload a few documents showing proof of payments, and can provide more documents upon request. XXXX XXXX XXXX can be contacted also for proof or my lawyer with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 2 late fees on my account. With payments made. Issue is on XXXX I paid my XXXX bill and on XXXX I paid my XXXX bill. They said because my XXXX payment went in previous cycle since statement wasn't cut until XXXX. My payment on XXXX was for XXXX. I am paying 26 days early and I get 2 late fees and they are stating it is my fault. 

David 's Bridal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CORELOGIC INC
State: OK
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:
The same company named credcohas done three hard inquiries on my credit which means after they denied me credit they went back on my credit 2 more time which I didnt authorize and XXXX reported 2 hard inquiries on back to back days.

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 2021-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 XXXX, I noticed a fraudulent transaction in my Wells Fargo account. It was an Online BillPay transaction in the amount of {$3000.00} sent to a XXXX XXXX XXXX credit card ( last few digits available upon request as they are shown on on my transaction history ). As soon as I noticed the pending transaction, I called Wells Fargo to file a claim ( # XXXX ). Wells Fargo said it would take anywhere from 10-15 business days to process the claim. The Wells Fargo agent closed my online account and checking account and opened up new accounts for me ( new online account as well as new checking account ). On XX/XX/2020, I noticed that the {$3000.00} transaction credited to my new checking account. On XX/XX/2020, I noticed that the {$3000.00} Online BillPay to a XXXX  XXXX XXXX account had posted to my new Wells Fargo checking account, effectively removing the {$3000.00} credit ( or what seemed like a credit ). On XX/XX/2020, I received a letter from Wells Fargo requesting I fill out and return an " Affidavit of Online Fraud ''. I did so immediately. On XX/XX/2020, I called Wells Fargo to inquire about my claim and was told that the claim is currently pending. On XX/XX/2020, I called Wells Fargo to inquire about my claim and the agent I spoke with said that the claim is closed, but that there was no verdict. She mentioned that the case files said " resolution status : successful resolution '', but no determination as to whether or not the amount of the fraudulent transaction will be credited back to my account or not. Because of this lack of verdict, the agent opened up a new case for me ( # XXXX ). 

I have also filed a police report with the XXXX Police Department. The police report number is 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 2023-05-04
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
I am requesting a deletion letter. I have contacted the credit bureau whose report has incorrect information. 

This account was paid in full with the original creditor, thus making this account status incorrect. This is to be removed from my credit and a deletion letter sent immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: JPMORGAN CHASE & CO.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a civil judgment from Keith D Weiner & associated which I had been paying on at {$75.00} per month. I changed banks and previously had an auto draft Payment arrangement. I had received a letter stating they had received my payment and to call the office. I called the office and was told that my XXXX was {$75.00} which happened to be the same amount as my payment arrangement I found that odd and ask for that in writing I never received it. The next thing I knew I was being garnished a month later. 

XXXX County Municipal Court case # XXXX judgment amount was supposed to be {$400.00}, they garnished {$1000.00} creating an overpayment of {$600.00}. Three garnishments were taken from my paychecks on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I was paying for a judgment that had already been satisfied, and they wouldnt stop garnishing my pay. I called the office on several occasions. I spoke to a collector named XXXX - every time I ask him why are you still garnishing my pay for a job that is already paid he said I dont know. When I asked him how can I get this garnishment to stop he said I dont know. I asked him who is going to refund my overpayment he said I dont know. 

After disconnecting the call I called back and asked for his manager whose name was XXXX as well. I left him a message twice and never received a callback. My message was very clear I left my number as well and still no call back its been 10 days. 

I called XXXX Clerk talked to XXXX in the clerks Civil Division, She had advised me that Keith D Weiner and associates had never sent over a release, In addition I checked today and no release was sent. Furthermore they stated they do have a small overpayment thats going to be released to no one basically, stating that Keith D Weiner and associates has file an entry that any overpayment needs to be sent back to my employer and they havent done that either. 

Today I received an email from HR that said I have to get my refund from KDW or the courts. 

Keith D Weiner is keeping my overpayment. 
In addition they sent me a release stating the judgment was satisfied, they sent one to XXXX our payroll company, but didnt send one to the court. The court said that they will not except my fax copy that they need it from the actual plaintiffs attorney. In addition they dont have any entry stating that they can refund the overpayment, if they have one nor is Keith D Weiner and associates returning my call about the overpayments. 

Its now just a few dollars its {$600.00} in overpayment. 
In addition a copy of the judgment that I received, is not correct. As I have been paying {$75.00} a month for several months as they were taking it right out of my bank account. Therefore there is a larger over payment then what I noted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
For years I wondered about my credit score never being consistent. I never in a million years would of thought that someone else was using my social security number and name to open up big accounts. I decided to get my credit pulled and there was SO MANY ACCOUNTS OPEN under my name that I have never in my life seen before. It is a real upsetting situation and it insane the amount of accounts that had been open or are open. Please remove these accounts from my credit report as soon as possible. 

XXXX XXXX/XXXX  XXXX {$270.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$4000.00} XXXX/XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$290.00} XXXX/XXXX  XXXX {$550.00} XXXX 'S XXXX {$900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX {$22000.00} XXXX/XXXX  XXXX {$670.00} XXXX  XXXX {$6400.00} XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX {$2000.00} XXXX  XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX  XXXX {$4000.00} XXXX   XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX XXXX {$2500.00} XXXX  XXXX {$120.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$890.00} XXXX  XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$3500.00} XXXX/XXXX XXXX {$720000.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$5800.00} XXXX  XXXX {$5300.00} XXXX XXXX {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2000.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: V and H Portfolio
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX XXXX that went into collections. They sent it to a third party. I was contacted by a few third parties over this debt so I honestly do not know what XXXX XXXX was doing but the last one that contacted me was the one that had it on my credit report. I paid the debt. Now this Vance and Huffman add the same balance to my credit report. I contacted them and they state the other company does not have rights to the debt so I have to pay them even though I already paid the other company. I called XXXX XXXX and they stated the original company I paid has actually got the debt. I called Vance and Huffman again and explained it and they rudely argued with me and refuse to work with me. They state they will not remove it from my credit report even though I paid the other company and the original creditor agrees it is paid off. I do not know what to do. They refuse to help and all this when I was trying to get my house refinanced and now have to pay a higher interest rate because of this. Both XXXX XXXX and Vance and Huffman has handled this poorly as XXXX XXXX is telling me there is nothing they can do as they are no longer responsible because they sold the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a car loan for a XXXX Honda XXXX XXXX. I paid the bill timely ran into some employment issues filed a Chapter XXXX with the car loan paid slightly ahead. While being paid through the chapter  XXXX I was also making additional payments on the car loan to Honda financial services. The car was totaled in XXXX. XXXX XXXX XXXX XXXX   paid off the balance of the car before the end of the chapter XXXX. XXXX XXXX made an overpayment and a balance of {$130.00} was returned to me. Honda financial services then tried to recoup the one {$130.00} overpayment from me. I filed a complaint after they added this to my credit report. They told me that they would remove it. They never removed it and now are also refusing to remove the charge off status for the {$130.00} overpayment that was returned to me. I have the actual payoff letter from Honda financial stating that the car was paid in full. Currently when I call the representatives are ruled they refused to allow me to speak to a supervisor they hang up in my face and they refused to answer questions. I am hoping that someone would be able to help me rectify this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: NRA Group, LLC
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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Comenity was houses XXXX store credit card called my dad on his cell phone today. That phone number 1 ) was never given to them and 2 ) does not belong to me. Why did they call it and NEVER CALL IT AGAIN.

Company response to consumer: Closed with non-monetary relief