BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/21 I received an alert from XXXX  about an increase of {$1000.00} on a XXXX XXXX Credit Card # XXXX. I called XXXX XXXX and they confirmed that this is NOT my card, nor am I an authorized user. After research, I discovered this was my adult sons card, which was charged off. He gave me the last four digest of the card and I called XXXX XXXX back on the automatic call line using that number. It transferred me to an attorneys office : Nelson and Kennard, who bought the debt. I called them to tell them to remove the information from my credit, but they would not speak with me. They had NO right reporting this debt to my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: AES/PHEAA
State: FL
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:
I was going to buy a house and they pulled my credit report and it showed my credit score went way down and it showed it was because I was charged interest on my student loans during the pandemic which it was supposed to be 0 % interest. I found this information out after my loans had been transferred to a different loan servicer. I have tried to contact XXXX to no avail. When I call MyFed Loans they originally said I had to call XXXX. I requested a report from MyFed Loans to see if they could tell when I was charged interest, it took over 8 months to get this information and then they did not want to assist me to get this corrected. 
I have contacted MyFed Loans at least 4 different times and no response back from them. Now I understand that MyFed Loans will no longer be my servicer so now I don't have any way to have this corrected. It is really upsetting that this made my credit score go down and it hurt my house hunting. 

What/who can I contact to get this corrected? 
Dates in question are on all my loans between XXXX to XXXX. 
The hardest thing to get anyone to understand is that XXXX charged the interest but my servicer is not MyFed Loans, so who do I report ( BOTH? ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2020 I negotiated to pay off my daughters student loan with NAVIENT. I was the designated cosigner, and my daughter was behind in her payments. I wanted to put an end to the issue and so reached out to NAVIENT to negotiate a settlement for loan close out. We talked about loan close out options, I explained that I wanted to settle the loan in full and did not want to simply drop the cosigner. Eventually we agreed on a final closure price. NAVENT would not send written documentation and refused to send contract negotiation info, they said they needed to be paid first. I said I would not move forward unless I got a letter from them stating the terms and that they agreed to close out the account, as loan to be settled and marked Paid in Full, for the agreed to settlement value. On XX/XX/2020, I received a letter from NAVIENT agreeing to these terms that said they agreed to settle for 66 % of loan value. This amount would be {$17000.00}. It said that after I completed the full payments they would consider the loan settled in full and would stop all further collection actions. '' They verbally explained that payment could be done over a 6 month period of time. I completed all payment in 4 months. They agreed I had met my obligation and said they would process the loan for closure. It is now 7 months later and they have not processed the loan for closure, in fact they have changed the rules and assigned the full loan value minus the settlement, to my daughters responsibility and they still have me listed as cosigner for remaining balance too? I realized this situation just very recently when checking my other daughters student loans. So I called them on these tactics and they first claimed the settlement was not for loan payoff, but was to remove cosigner. I protested. Both my daughters and I had separate verbal discussions which are completely opposite to their claims. The letter they sent is opposite of their claims of a cosigner settlement. They are not returning my phone calls, now ; I want to pursue formal complaint and lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: OH
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:
Here are the pics for compliant : CFPB # XXXX XXXX XXXX XXXX XXXX XXXXXXXX I forgot to attach the pics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Diversified Consultants, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I've contacted the company who placed the collection on my credit report twice already with no response or acknowledgement from them. This account was sold to this company after disputing with the last company that they were illegally reporting the wrong date as well on my credit report so they decided to sell it to diversified consultants now and they as well are continuing to report the incorrect delinquency date and these company continue to keep selling this account illegally restarting the delinquency dates. I ask that the CFPB have these collections removed from my account permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/2011 I contacted XXXX to discontinue services with the company. I asked them to stop services and they made an appointment for the technician to pick up their equipment, they did come and picked it up. Months later I received a bill in the amount of XXXX dollars. I called XXXX and they said I would have to pay this. I told them I discontinued services myself. What other way would they have got their equipment. Since then this has been on my credit report for no reason and I would like it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my credit report through XXXX XXXX XXXX XXXX to the 3 Credit Bureaus and after responding all the correct answers, it was denied. Each year its the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
talked with them about rolling payments to end of note they done that but reporting it 60 days late on 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 2020-08-20
Company: Affiliate Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
AFFILIATE ASSET SOLUTIONS based in Georgia has been repeatedly calling me at XXXX XXXX almost every single day for weeks now if not longer. I live in XXXX but used to live in XXXX which is where I had XXXX and my medical debt is based. A number with a XXXX area code calls almost every morning at XXXX XXXX. I have filed a complaint previously but must have filled something out wrong because the company claims they can't find an account with my name, yet they call me every day from multiple numbers. All with XXXX numbers, but their response was that they are based in XXXX so it couldn't be them making the calls and I must be mistaking them with another company called Affiliate Asset Solutions debt collection. But I have done research and found on multiple websites dozens and dozens of complaints against this company, along with corresponding phone numbers they have called from and there are XXXX numbers listed. Also when I call the numbers back they go to a recording telling me the company is AFFILIATE ASSET SOLUTIONS DEBT COLLECTION. The calls need to stop. I lost my job due to the pandemic and I can't pay my medical debts right now so they're really just wasting their time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: AR
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:
talked with them about rolling payments to end of note they done that but reporting it 60 days late on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: NY
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 ran my credit and notice things I had no knowledge of. I never use my personal credit for anything. I called each company numerous times which they stated it will not be reported and its still being reported. Its been over five months. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Company: Experian Information Solutions Inc.
State: OH
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 been submiting disputes to Experian for over 6 months and i feel than I am being treated " UNFAIR '' which is a direct violation of multiple united states codes. I have submitted numerous documentation and made countless phone calls to seek help with unaccurate information on my consumer report. Numerous disputes have been returned as verified which I the consumer never verified these alleged debts and accounts. I have 15 usc 1682 ( a ) ( 1 ) a ) '' ( Accuracy and fairness ) of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In addition to that Experian have violated federal united states code by assumed a vital role in assembling and evaluating consumer credit and other information on consumers and was never given written consent as needed as defined in 15 usc 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Real Time Group, Inc.
State: UT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX Real Time Resolutions contacted my spouse on her Cell phone trying to reach me regarding a foreclosed mortgage that was sold to them by XXXX  XXXX XXXX. This property was owned by me in XXXX prior to being married to my current spouse. I have never given them my spouses cell phone number, and I have never given them permission to contact me on her phone. Im unaware of how they got her number and feel it is predatory that they obtained it likely through credit bureaus or online tactics. Lastly, this account was foreclosed on in XXXX and sold at auction in spring of XXXX. As I understand the statute of limititations is exceeded in the state of Utah ( 6 years ). XXXX  XXXX XXXX reported the foreclosure to my credit report and it has since been removed from my credit. My understanding is that the 80 % portion of my mortgage was resolved at auction and the the 20 % was written off as a tax loss. So I believe this debt to be acquired by Real Time resolutions as a bundle from XXXX XXXX XXXX as closed/default accounts despite it being written off by XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is illegally re-aging my account. This account is past the statue of limitation ; however, the company keeps re-aging my account. Further, this company reported me to the credit bureau before providing me with a 30 day notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One gave us a grace period for a couple of months during the early part of the pandemic. We turned off our auto pay. We received a notice in XXXX that we had missed a payment that nearly a month late. We promptly responded, paid the late fees, and then paid of the remaining balance by the third week of XXXX. The car loan was closed out 6 months early. We have never been 30 days late during the time of the loan. It was just a clerical oversight. We normally had automatic payment. Capital One never contacted us first before filing the delinquency with the credit bureau. Our credit scores have dropped by 50 points because of this. This action is an egregious abuse of power especially during such a steep economic recession. We even made a payment during the brief covid-19 holiday they gave us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/18 a Validation of Debt request was sent to Fair Collections & Outsourcing on a debt they were attempting to collect for {$11000.00}. On XX/XX/18 an official dispute was mailed to Fair Collections regarding the same debt identified on behalf of XXXX XXXX XXXX in XXXX XXXX On XX/XX/18 a representative contacted our offices requesting an Identity Theft Affidavit which was immediately provided. On XX/XX/18, the Fair Collections representative advised the collection account was " on hold '' pending XXXX XXXX 's re-investigation ( and trust me, they have ALL of the needed documents too ). As of today, the account is now being reported to our client 's credit histories in clear violation of the Fair Debt Collections Practices Act. Fair Collections was previously in violation of the FDCPA when they reported a second fraudulent lease through another apartment community, in spite of receipt of all fraud documents, pending their re-investigation. This second account has now been cleared by the apartment community and reportedly removed from our client 's credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2021-05-30
Company: EQUIFAX, INC.
State: FL
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:
This is my fifth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
since Champion Mortgage is the servicer of our reverse Mortgage we have had many issues with them. we originally took out the reverse Mortgage through XXXX just to pay for property taxes. our home is worth 1.2 million and each year that we fax and request for a withdraw request we get the run around. this Company must be investigated thoroughly as there are hundreds of home owners been experiencing shady practices. a simple XXXX review of this Co should be enough for your agency to be alarmed! i have contacted HUD and was transferred back to this agency. we are tax payers and demand to be protected by our Gov. agencies to pursue each complaint. 
I was told earlier that Champion Mortgage responded to your agency with lies and more lies and that the case is closed! im requesting an opening of another investigation as they lied in their letter and once again, a simple review will show U. evenXX/XX/XXXX has a rating of " F '' for champion Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found on my credit report this XXXX, a debt in the amount of {$2300.00} from Innovative Recovery. This is prohibiting me from obtaining a dwelling place. The debt is for XXXX XXXX XXXX, a company that was sold years ago, no longer exists, and is under new ownership. I have sent certified letters. I have called. I have sent paperwork, to Innovative Recovery as proof debt was paid to the Court over 7 years ago. They won't sign for the certified letters I send. And they respond rudely to me on the phone. I have had it removed from all Credit Reports with no problem, sending them the same info I sent to the  Collection agency. But, they Continue to try to collect by mail and phone with very threatening words and intimidating tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i own a condo in a community and the lender wants proof of hazard insurance every year and I provide this. 

This year I sent proof ( 5 times ) on : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I've called Shell Point after each email and they have insured me that the proof was received and I requested proof by mail, which I never receive. 

I've worked with XXXX ' and sent the proof directly to her email adddress and she confirmed no issue, making that 5 emails. 

However, I continue to receive assessment emails and the last email on XX/XX/XXXX stated that they were adding this charge to my impound account. 

This exact scenario happened 3 years ago and the tried to put a lean on my home. Luckily, I save all my statements and the charges were not on my statements, so they could not charge me, I only know this because I worked for XXXX. 

this is a scam and shellpoint is cheating consumers 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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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