BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a  XXXX   XXXX   XXXX  with my brother ( co-applicant ) through GMAC in  XXXX . We traded the  XXXX   XXXX  in for  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  XXXX  in My name only this time.That being said the  XXXX   XXXX  was paid off through  GMAC and  the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r (   XXXX   XXXX   ) . Initial ly there were  XXXX  30 day lates,  XXXX  reported on  XXXX   XXXX  and the other in  XXXX   XXXX . I was advised to dispute it by GMAC because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed  XXXX  30 day late which was the  XXXX   XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  XXXX  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on  XXXX   XXXX ,  XXXX  so how can we have a 30 day late on our credit report for  XXXX   XXXX  &  XXXX   XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the  XXXX   XXXX  late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither GMAC or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what GMAC 's response was or I really feel like they are n't even investigating the matter.

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 2019-12-12
Company: SLM CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt account manager at Sallie Mae, name XXXX XXXX Number XXXX has contacted two of my relatives about my debt seeking to get in touch with me. She contacted my mother and father on XX/XX/19, at two separate numbers. I called her on XX/XX/19 to inform her that they are not on my account and since she has my phone number and address she should not be contacting them. She also lied and stated that they are listed as my contacts on my loan application when they are not. I let her know that I had enrolled in a debt assistance program and that they will be contacting her to pay my debt. She informed me that the company is not allowed to communicate with my debt collection account ( another lie ) and threatened that the attempts to reach me and collect my debt through any and all means would continue until I paid my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, 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 see a hard credit inquiry made by  XXXX  on  XXXX   XXXX ,  2017, on  my Equifax credit report. I did not authorize this inquiry and the credit check was performed without my consent. I have filed a dispute with  XXXX  to remove the inquiry and they have responded in a mail to me on  XXXX   XXXX  saying that they have requested the credit bureau to remove the inquiry. But I am still seeing the credit inquiry on my Equifax credit report.   As a matter of fact, I do not even have an account with  XXXX .     I have tried contacting Equifax over the phone, but they are saying that  XXXX  did not send the removal record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I think this is from my identity being stolen a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently relocated to Georgia and I 'm living in an   XXXX   XXXX    XXXX . I receive my mail there and packages. I updated my account online with Simple bank on  XXXX   XXXX ,   XXXX  an d after a day or two they told me because it 's technically a business address I could n't use it and they would have to close my account. I called and talked to a representative and explained that I just moved and that I am living there and I receive my mail there. They told me because of the  Patriot Act tha t I had to have a verifiable residential address. I 've updated my address with  XXXX  other banking institutions and have had no issue with using the same address. Today  XXXX   XXXX ,  XXXX , they told me that I have 30 days move money before my account is closed. I 'm not a new account holder and have had the account actively since  XXXX   XXXX . I 'm a United States Citizen with a verifiable social security number ; which they verified at the opening of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint to which the company brushed me off - see below. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX With my complain, I submitted ALL THE PROOF, yet the company says in their response SUBMIT TGE PROOF. I have submitted the proof WITH my complaint and you can see it all attached TO my complaint. Delete this falsely reported medical debt immediately because I submitted all the proof needed. 

Here was my complaint which remains unresolved by this rude, unprofessional, incompetent agency. 


Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Heres what happened. In XXXX, I worked at XXXX but was let go as of XX/XX/XXXX, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/XXXX. When I went to XXXX XXXX XXXX with high fever, the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. I contacted my employer who confirmed my insurance had to be valid and active through XX/XX/XXXX. See attached emails. However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. The {$370.00} is not the debt I owe for my XX/XX/XXXXXXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violentes my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
so when I applied for this card it was supposed to be XXXX miles when spent XXXX on the card in the st 3 months which I did with no problem chase claims I signed up for a different promotion I escalated the 1st time and the lady left one voice mail with me and closed my case without even talking to me so I escalated this again and they were only willing to offer me XXXX of the XXXX they wold not give me the full XXXX so I escalated again to a manager in the corp offices and know all of the sudden to get the other XXXX they want me to XXXX annual fee which they already waived for the 1st year for me this is getting riduculous every time I talk to chase or united I cant get anywhere on this I just want my other XXXX bonus miles and they are giving all kind s of trouble trying to get it. I have been loyal to chase and united and have had these united cards for many years and I cant believe they are treating XXXX  XXXX and won't give me the other XXXX bonus I don't understand why this is a hassle and they are being very stubborn about this and I am still really upset

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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  XXXX   XXXX   XXXX  on my credit report for  XXXX  on my credit report from 3 years ago.  XXXX   XXXX ,  2014.I never heard of them or have any idea what this is regarding.

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 2021-11-17
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I requested that my mortgage held with LoanCare be removed from the COVID-19 Forbearance program. All required documents had been sent in then I confirmed that had been received. I was told the process should take 30 days to complete. I followed up on XX/XX/XXXX and was told they have no update and it was not even worked on yet. called again end of XXXX requested they open a case to investigate what's taking so long and call back in 10 days. Called at the start of XX/XX/XXXX and was told the same thing. The Representative said, " my file was being escalated via his supervisor '' would receive a call back in 4-5 biz days. No call no update. Called again on XX/XX/XXXX and XX/XX/XXXX again on XX/XX/XXXX told to call back in two weeks for an update. Finally, on XX/XX/XXXX I receive a packing in the mail saying my Forbearance request was processed and completed. Four and a half months later a process that I was told should take 30 days was completed. During those 4.5 months, Loancare continued to report my loan late because it was late at the start of the forbearance program. Those 4.5 months should never have happened if they processed my request in a timely fashion as promised by LoanCare. I find it unreasonable as a mortgage lender to operate this way and impact customers in a negative way further hurting my credit report when i no longer needed the assistance program. 
I have already contacted them directly and via the XXXX Their response on both occasions was they reported my loan correctly to the credit aggency. Yes, that statement is correct ONLY because they took 4+ months to complete a request I was told would take 30 days. If this was handled properly my loan should have been brought current in XXXX and thus XXXX, XXXX and XXXX would have then reported my loan as current and not late. 
I would like transcripts sent to me as soon as possible for the calls to LoanCare by me Starting XX/XX/XXXX to document Loancare 's actions and mishandling of my loan. Th This appears to be a violation of LoanCares duty under the CARES act. 

Loancare XXXX XXXX XXXX, Virginia XXXX, VA XXXX https : //www.loancareservicing.com/

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 2017-06-01
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I took out a personal student loan with Navient formerly  XXXX   XXXX . I have continuously made payment arrangements. Most of the payments were made. They keep calling me ALL day long. I do n't answer, then they call from another number. I have lost count of how many calls a day I receive. I get calls on Sunday and I know they are closed. I am sick and tired of all the harassment. I feel that I can not live a normal life because they are always ringing my cell phone. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Selene Holdings LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was purchased by another lender and the servicer for them is Selene Finance. I was in the middle of a modification due to covid with previous servicers and completed it on time but every since Selene got the loan in XX/XX/2020 they keep saying my modification is in underwriting and they cant take my pmnts. I have tried twice a week since XX/XX/2020 to call and speak with supervisors and make them take a pmnt and they say they have to have someone override their system to take a pmnt and no one is available to override. I can not make a pmnt online or through the automated system. I have not received foreclosure papers but I keep getting monthly statements saying I'm 9 months behind. Several reps through my weekly calls tell me NOT to make a pmnt because it will mess things up. They say I have unapplied money. The reps and supervisors also see the notes and say that the company is being weird with my mortgage and they don't understand and do not know what to do other than send it to their manager and when I call again the last note was sent to manager and nothing is ever done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Most recently I have verified that the student loan for my son with  XXXX   XXXX  wa s actually a private Tuition Answer loan which I, the par ent was the borrower. This loan was signed for  XXXX   XXXX ,    2005. The problem is my repayment period ( principal and interest ) has NEVER begun, so for the past 12 years, all payments have been for INTEREST Only. The promissory note states " the repayment period will begin on the day after the Interim Period ends. The Interim Period will end 4 1/2 years after the Disbursement Date. '' The follow on problem is I can not   get approved for my son, the co-signer to be rele ased from the loan until the outstanding {$4300.00} in interest is paid while the original loan of {$43000.00} has not been affected. In addition, the interest that has been paid is not eligible for deductions on income  XXXX   Release for co-signer is the borrower making 12 consecutive principal and interest payments without lat e fee penalty and the borrower 's credit being checked. They have no idea if funds are being paid by myself or my son. Not withstanding,  XXXX   XXXX  's failure to begin the repayment period is a breach of contract to the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, this is regarding a medical bill debt. I was just informed of  XXXX  debts I owe to Crme financial services. These debts were taken care of to my knowledge in  XXXX . I never received anything to say otherwise and when I did I paid the bills. Moreso crme informed me I still have debts from  XXXX . The statue of limitations is 4 years ... on my credit report it says opened  XXXX   XXXX  and placed in collection  XXXX   XXXX  however I was not notified ever of any outstanding bills with crme.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have attempted to make a dispute/access my credit report via straight from the Equifax website as well as over the phone on several occasions. When calling/accessing online I am asked to answer security questions, and when doing so ( on both telephone and online ) there is an incorrect error ( message or automative response ) that is without a doubt incorrect on THEIR behalf. I am unable to even SPEAK with someone from the Equifax department, or chat online, about disputing a FRAUDULANT item on my credit report because I am unable to get past this " fraud alert security screening '' process. This is ridiculous. I am trying to repair my credit score, which is exhausting enough, but when I do so, and I am unable to repair it because the credit bureau has the incorrect information makes the situation seem hopeless. Obviously, I have n't given up yet if I am submitting this complaint with you guys in hope that this problem is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: Consumer Portfolio Services, Inc.
State: MD
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:
I have co ntacted Consumer Portfolio Services regarding an inquiry. My request was very specific but the company respon ded as if they could not understand. They also did not provide any authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: Public record information inaccurate

Complaint:
I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with XXXX, XXXX or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Bank of America recently notified me that my account may have been comprised and they issued me a replacement credit card with new numbers in order to prevent fraud. I contact them for more details. They explained that an unidentified merchant notified an unidentified law enforcement agency that customer credit card data was not properly secured and may have leaked or been breached. That law enforcement agency contacted Bank of America who then issued me a new card. 

Bank of America does not have the identify of the merchant. However they declined to give me the name of the Law Enforcement Agency which contact me. They also declined to provide a reason for why they declined to give me the name of the Law Enforcement agency. 

I wish to protect myself and understand my privacy exposure. If I knew the merchant who mishandled my data I may choose to no longer do business with them. Or I may decide to file a civil action against them. If I know the law enforcement agency that handled this then I can request this information from them. 

At the moment Bank of America is hiding behind internal policy to shield bad acting merchants from mishandling my data.

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 2017-06-01
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ERC non-compliance of federal law under the Fair Debt Collection Practices Act. ERC has failed to provide me with a copy of any viable evidence, bearing my signature showing the account is being reported accurately. As per FT C opinion lett er from Attorney  XXXX   XXXX   XXXX , ERC should be aware that a printout of a bill or itemized document does not constitute verification.

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