BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 tried reaching out to this bureau several times about accounts that do not belong to me! this information is fraudulent and i want it removed from 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 non-monetary relief
Consumer complaint received 2016-01-04
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
National Credit Adjusters started collecting {$100.00} per month for a debt that was owe to Rise credit. National Credit Adjusters stop collecting the {$100.00} per month, called me XXXX XXXX, 2016, to inform me that {$100.00} per month was not acceptable any more after they were collecting {$100.00} per month, I ca n't afford to pay any more at this time. If they could not accept please send my money back. My wife was not included in this loan, just me.,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Back in 2010 I was steered into forbearance by XXXX/Navient. I had XXXX loans for XXXX dollars each and interest rates of 13 % and 7 %. When I was out of forbearance, I called and asked how I can lower my exorbant interest rates, and the man in the phone told me there was nothing they can do. He told me I can go to another bank and take out a loan to cover the over XXXX dollars I owed just in those XXXX loans ( I had XXXX other large private loans at the time and multiple government loans ). These banks require collateral and would never loan a XXXX year old with over XXXX dollars of student debt, XXXX dollars. The man told me there was nothing I could do but pay the loans and I had to struggle through years of extremely high payments until I finally paid off the high interest loans completely. I still have over XXXX dollars in loans because I had to spend all of my savings and every single dollar I had so that I was n't paying over XXXX dollars a month in interest. I now live paycheck to paycheck still paying off the loans I still have with Navient. I make required payments every month, yet the balance never seems to go down. I feel as if they are not allocating my payments correctly which has been brought up by the lawsuit yesterday. I feel that Navient has taken advantage of me and cost me XXXX of dollars of interest that I should have not had to pay if they steered me in the right direction instead of telling me there was nothing I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Other

Complaint:
Credit Card Issuer : Synchrony Financial FCRA/ CFR and FDCPA Credit Reporting Violations To Whom It May Concern : The process to resolve this credit reporting issue began when repositories XXXX plus XXXX received my certified disputes, challenging their reporting of item SYNCBANKJCP - XXXX ; on Wednesday, XX/XX/2016, and Thursday, XX/XX/2016. 
Further, in my efforts to have the unverifiable listing deleted, I methodically completed ( as per the FCRA/ relevant federal statutes ) each required step of the dispute process, yet to no avail. 

NOTE : It was my intention based on the " attempt to collect a debt '' notation listed at the bottom of their inadequate Response dated XX/XX/2016, I ( seeking penalties of {$1000.00} for each violation ) planned on filing with the North Carolina, XXXX County Clerk of Superior Court a lawsuit against Synchrony Bank ; on the premise they have not validated the alleged debt and they still continue to report the item to the credit bureaus. 
Yet, in-order to file a lawsuit against the referenced creditor, there needs to have a Registered Agent in XXXX County, North Carolina ; to whom the papers could be served. But, after contacting the North Carolina Department of the Secretary of State Corporations Division it has been determined that since they only have one brick and mortar branch in the U.S. ( located in XXXX, New Jersey ) there is n't a Registered Agent to serve. 

Hence, because of this absence I am unable to file a small claims suit against them. 

Therefore, as stated in my final correspondence to Synchrony Bank, if they continued to willfully disregard the law, I would and am escalating this matter to your office. Moreover, I have also filed similar complaints with the following governmental and consumer agency .... 
1. The Connecticut Department of Banking 2. Better Business Bureau Serving Connecticut In closing, I do believe in the work you have done as an organization and want to thank you in advance for giving this matter the attention it deserves. 

Best regards, XXXX. 
1. XXXX XX/XX/2016 SYNCB JCP Dispute 2. XXXX XX/XX/2016 SYNCBJCP Response 3. XXXX XX/XX/2016 SYNCBJCP Dispute 4. XXXX XX/XX/2016 SYNCB JCP Dispute 5. XX/XX/2016 SYNCHRONY JCP Direct Audit 6. SYNCHRONY JCP XX/XX/2016 Response 7. Final Direct SYNCHRONY JCP Intent to Sue Notice

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 2021-12-28
Company: CarMax, Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2021 - I mailed a cashier 's check issued by XXXX XXXX to CarMax Auto Finance for the early payoff balance of my vehicle : {$10000.00}. 

On XX/XX/2021, I checked the balance online and the account hadn't been updated yet. The cashier 's check was received by CarMax Auto Finance, endorsed ( XX/XX/XXXX ), and deposited into their XXXX XXXX account. 

I've made multiple calls to CarMax and trips to my local XXXX branch, attempting to resolve this issue. The explanations I have been receiving from CarMax have been changing throughout this process. In addition, after each contact iteration, CarMax hasn't provided any status update or new information. In fact, I have been promised multiple times that they would call me back, or email me- which never happened. Perhaps this is the company response when you try to pay off a vehicle early? 

XX/XX/XXXX : Call to CarMax ( XXXX ) Spoke with XXXX : She told me " They received the check. It's just a posing error. You will not be penalized. Your account will be updated shortly and title will be mailed to you ''. 

XX/XX/XXXX : Spoke with ( XXXX ) : She told me " The check was returned as a fraudulent check ''. I asked her for additional information, and she didn't have any. I asked to speak to the finance department. She told me they don't have a phone number or an email address. They only have a fax number and they will not provide any verification of receipt. 

Spoke with manager XXXX : He told me the cashier 's check was returned for fraud. I asked him for additional information. XXXX told me that he didn't have any. I gave him the cashier 's check information ; Date endorsed, XXXX XXXX account number, etc. He insisted this was my issue. I asked him if he could investigate on his end and he refused. 

I faxed the bank information I had to the CarMax Auto Finance fax number. 

On XX/XX/XXXX, I called CarMax and spoke with XXXX. Then spoke with Sr Manager XXXX XXXX. This time I was told my bank put a stop payment on the cashier 's check. I emailed her copies of the endorsed check, bank statement, etc. She guaranteed she would contact me in 2 days on XX/XX/XXXX. I was never contacted. 

XX/XX/XXXX : Called CarMax and spoke with XXXX. There are no new account notes on file. I requested to speak with a manager. I was told none was available. 

I've went to my XXXX branch multiple times throughout this process. The Regional Manager assures me, there are no issues with the cashier 's check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
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:
On XX/XX/2021 I certified mailed a notarized FTC Identity Theft Report, copies of my drivers license, social security card, utility bill and a letter statement from me that the information is not information relating to any transaction by me to Experian. I have proof that they received it on XX/XX/2021. I had XXXX XXXX, XXXX and XXXX XXXX listed as fraudulent accounts, fraudulent names, fraudulent addresses and inquiries listed as well. Experian blocked XXXX XXXX, all the fraudulent names, fraudulent addresses and inquiries. The representative XXXX XXXX said that XXXX wasn't blocked because it was more than 5 years on my credit report. This is absolutely absurd to me when it is identity theft. She also said that XXXX XXXX wasn't blocked because the FTC Identity Theft Report did not have the date the account was opened nor the fraudulent amount. I told her that I didn't know that information and the FTC report said to list it only if I knew that information. Why would they only Block some of the fraudulent activity from the FTC Identity Theft Report and not all of it? But I have attached the updated FTC Identity theft Report with the dates and amounts they requested added.

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 2016-11-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX XXXX I moved into an apartment complete at XXXX XXXX XXXX XXXX XXXX XXXX MA and received electric services through XXXX. In XXXX XXXX I moved from the apartment into a new apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA and called to close account, but account was never closed and billing remained in effect until XXXX while new tenants during that time were receiving services. The creditor has refused to work with me on this matter by recalculating what I owe and is reporting as a collection to all XXXX credit bureaus even with verification that I was not a resident during the months billed XXXX XXXX XXXX. I have filed numerous disputes through the creditor, collection company and all XXXX credit bureaus but have been unsuccessful. I recently filed a compleint with the Department XXXX XXXX XXXX who has denied my claim because it is in collection status.

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 2015-11-06
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I WAS IN THE MARKET FOR A SPECIFIC HONDA ACCORD COUPE. I WENT TO XXXX XXXX HONDA, AND SPOKE WITH XXXX XXXX XXXX, A SALES PERSON THAT I HAD DEALT WITH PREVIOUSLY. I ASKED HER IF SHE HAD THE VEHICLE I WANTED, SHE SAID YES. I ASKED FOR THE COST AND SHE REPLIED THAT SHE HAD TO ASK HER MANAGER XXXX XXXX. WHEN SHE RETURNED SHE STATED THE THE COST OF THE CAR WAS $ XXXX. I THEN ASKED HER WHY WAS IT SO HIGH AS I HAD RESEARCHED THE CAR, AND THE MOST THEY WERE ASKING FOR THE CAR FROM XXXX, AND THE BEST PRICE, WAS {$31000.00}, IF I 'M NOT MISTAKEN. I THEN ASKED HER IF THAT WAS THE BEST THEY COULD DO, AND AGAIN SHE HAD TO SPEAK WITH HER MANAGER. AFTER AROUND 15 MINUTES, SHE RETURNED AND TOLD ME THAT THEY WERE DISCOUNTING THE CAR BY {$990.00}. I ASKED HER IF THAT WAS THE BEST THEY COULD DO, SHE REPLIED YES, THE CAR IS IN GREAT DEMAND, AND WELL, NEED I SAY MORE. I ASKED IF I COULD SEE THE CAR, SHE REPLIED THAT THE CAR HAD BEEN MOVED, SO THAT NO ONE COULD SEE IT. I TOOK IT AT FACE VALUE. SO WE STARTED WITH THE TRANSACTION. NOW I HAD A DRAFT FROM THE XXXX XXXX XXXX XXXX, FOR THE BALANCE OF NEW CAR AFTER THE TRADE IN. THEY EVEN REQUESTED ASSURANCE THAT THEY WOULD GET THE LEAN RELEASE FROM THE XXXX, WHICH XXXX FAXED TO THEM, TWICE. BUT THEY STILL WOULD N'T RELEASE THE NEW CAR. WHEN ALL THE TRANSACTIONS WERE DONE, THEN THEY TOLD ME I COULD PICK UP THE CAR. WHEN I ARRIVED HOME, I WAS REVISING BY PAPERWORK, AND TO MY AMAZEMENT, THE MSRP ON THE VEHICLE WAS, {$33000.00}. WELL AS YOU CAN IMAGINE I WAS HIGHLY UPSET. I DID N'T CONTACT XXXX XXXX, THE NEXT DAY TUESDAY BECAUSE SHE WAS OFF. BUT I DID SEND HER AN E-MAIL EXPLAINING HOW I FELT, THAT ACTION I WOULD TAKE IF THEY DID N'T MAKE THE SITUATION RIGHT WITH ME. I FELT LIKE A COMPLETE IDIOT. HOW I LET THESE PEOPLE TOTALLY DISRESPECT AND HUMILIATE ME. I SERVED MY COUNTRY IN THE XXXX XXXX XXXX, FOR 20 YEARS, I 'M ALSO XXXX, AND THEY STILL SAW TO TAKE ADVANTAGE OF ME. WHEN I FINALLY SPOKE TO XXXX XXXX SHE TOLD ME THAT THEY HAD TO RAISE THE PRICE BECAUSE THE CAR WAS IN GREAT DEMAND, AT WHICH TIME I POLITELY HUNG UP THE PHONE. WHAT I REQUESTED FROM THEM TO MAKE IT RIGHT, WAS TO GIVE ME THE CAR AT COST, BECAUSE OF THEIR DECEPTIVE PRACTICES. FOR THEM TO RETURN THE DIFFERENCE BACK TO XXXX, WITH AN APOLOGY. AFTER THIS I RESEARCHED THEIR HISTORY, AND TO MY AMAZEMENT, THERE WAS ACTION TAKEN BEFORE ON THIS DEALER FROM THE ATTORNEY GENERAL 'S OFFICE, WHO I WILL ALSO SUBMIT MY COMPLAINT. I JUST WANT TO MAKE SURE THAT THEY DO N'T TAKE ADVANTAGE OF ANY ONE ELSE. THEY ARE A BUSY DEALERSHIP, I WONDER HOW MANY OTHER PEOPLE THEY HAVE DECEIVED. YOUR HELP IN THIS MATTER IS GREATLY APPRECIATED. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NC
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 HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact wXXXX XXXX XXXX  and they do not have information pursuant to XXXX XXXX XXXX. They are XXXX, badgering my credit with no explanation on an erroneous alleged chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Affirm Holdings, Inc
State: PA
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:
I have reached out to AFFIRM INC and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. AFFIRM INC is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Resurgent Capital Services L.P.
State: TX
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 suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to LVNV Funding and Attorney General of Texas complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We purchased a car on XXXX XXXX made timely payments and it was being reported to the credit bureau and we paid it off on XXXX. Since we paid it off it is no longer being reported to the credit bureau. I called to see what was going on and they said they had to stop reporting due to some inaccuracies when being reported to the credit bureau. But they would start reporting again the last of XXXX 2015. About a month later, I called back and they said that there was still some inaccuracies and they had to stop reporting again. I ask if anything on our account was inaccurate and they said my account was correct but that they stopped all reporting. That they will start reporting again and if they found more inaccuracies, they will stop reporting again. My problem is that we are in the process of buying a home and I need my payment history to be applied back to all XXXX credit bureau so that my scores to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: KY
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:
THERE ARE ACCOUNTS ON MY REPORT THAT ARE CLOSED WHICH SHOULD NOT BE ON MY REPORT AS WELL AS ACCOUNTS THAT HAVE INACCURATE DATA PER BUREAU. i HAVE SENT ACTION LETTERS DEMANDING REMOVAL AND I HAVE BEEN TOLD NOTHING HAS BEEN RECIEVED AND NOTHING CAN BE DONE. PER THE LAW VIA 15 USC 1692 AS WELL AS 15 U.S. Code 1681b - Permissible purposes of consumer reports THEY NEED TO BE REMOVED ME BEING THE CONSUMER. 15 USC 1602i. tHESE ARE ALLEGED DEBTS. I AM UPSET TO SAY THE LEASE THIS INFORMATION HAS BEEN Inaccurate and has caused major loss within my life as well as i have been harassed by these companies at terrible hours of the night and early morning. only i can validate any debt and none of these are validated. these charge offs and collections are unlawful per 15 usc laws 15 usc 1681a2-b what congress says should never be on a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX acquired my mortgage loan earlier this year. They notified me that my insurance had expired in XXXX in error ( my policy was in effect until XXXX XXXX. I tried repeatedly to get in touch with them by registering on their website and then each time I tried to log on I had to reset my password but the code they emailed me did not work. I finally reached someone to let them know that I had insurance and that I was renewing upon the expiration of the policy as I have done each year for the last 8 years. The next month I received additional calls saying my insurance had expired and when I finally reached someone they said that I had XXXX to cover the interior but no exterior coverage -- exterior is covered by my condo association which is handled by the property management. This was communicated to SLS by me and the property management company. I was informed later that month that they had received that notification and to ignore the prior correspondence ( XXXX XXXX, 2016 ). In XXXX I received an analysis of the escrow payments that did not reflect any escrow payments that I have made in my monthly payment ... the payment is set at {$1600.00} for each to cover, e.g., in XXXX 2016, {$490.00} in principle {$100.00} in Interest and {$12.00} to be put in escrow for the $ XXXX/month tax payment. This month I have received a statement saying that my payment is now {$1700.00} with an additional charge of {$100.00} for escrow/insurance. I attempted to get in touch with them over the weekend -- could not log on and no response via phone and there is no email address on the website -- and finally reached someone today to find that they have made a payment for insurance for my property -- when I have my own insurance. I did not authorize them to purchase the coverage and I have my own coverage. They have increased my monthly mortgage payment by {$100.00} -- this is criminal. The website does not work, there is no email address, they are purchasing insurance without authorization, they are not responding to requests, they are requiring that customers fax in requests or mail in requests or complaints which gives no record of the communication. The personnel is incompetent ... one person I spoke with could n't even figure out how to spell and kept laughing about the situation. This is obviously a scam -- they are purchasing insurance on loans without notification ... and they are creating a wall that prevents customers from getting in touch with them to straighten out the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: SLM CORPORATION
State: SC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
co signed a student loan for my son, he has fallen on hard times unable to pay, I have retired, and have a very limited income, unable to pay. my son will be able to take care of this himself soon. The company calls by auto dialing everyday at least XXXX times a day on weekends the calls start at XXXX continue every hour until about XXXX. I have explained my deli ma, they offer me no other solutions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a victim of identity theft. I have been disputing this error for over two years. My last dispute was sent via mail on XX/XX/2021. It is now XX/XX/2021 and I have yet to receive a response. According to the Fair Credit Reporting Act, the company is required to respond within 30 days. I have contacted the company and informed them of this matter to have this error removed. The representative told me that they did not respond because they don't do pay for delete disputes. Rather they settle pay for delete disputes or not, I should have been notified. If this isn't removed I will be starting the litigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Sallie Mae has not honored my payment allocation request after repeated written requests submitted with my payment. I want the difference between my amount due and the payment I send in to be applied to the principal balance, yet they continue to apply it to future payments and send me bills with a {$0.00} amount due. I continue to make higher payments because they have my payment amount set at {$59.00}, and the monthly interest/fees are {$58.00}. At that rate it would take the rest of my life to pay off this loan. We have called several times and were told they would change the allocation, but they have still not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation