BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-27
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$220.00}, the amount they gave me to settle my XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is the fourth time this has happened. Navient/XXXX was paid electronically by my bank the full balance including the days interest to conclude the Stafford loan. Instead they were silent and revealed weeks later that I owed some amount less than a dollar. In this latest case it was XXXX cents! This wastes my time and money. When I called up to ask about it they said we do n't have that information without about a week of talking with our research department. Are they serious?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: ACIMA CREDIT, LLC
State: AZ
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, XX/XX/2020, andXX/XX/2020, I have sent Transunion multiple dispute letters via the U.S Postal service disputing information on my credit report that is incomplete, and injurious. I have never received any correspondence from Transunion pertaining to my disputes that I have sent. No results of any investigation ever being done. This information reported on my credit by Transunion does not meet FCRA requirements. XXXX XXXX, is no longer in business and their portfolio was acquired by XXXX XXXX. XXXX XXXX has indicated in a letter faxed to me that the account is PAID and with a {$0.00} balance. Payment history is inconsistent, payment status shows the account is 120 days late when the account is closed with a {$0.00} balance, the date in which the account was first opened is inaccurate, date last active and date of last payment is incomplete. This entire account is in violation of the Fair Credit Reporting Act.

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 2017-01-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XX/XX/XXXX I ended up getting sick my I was missing work due to my illness and was struggling to make ends meet ... My doctor ended up putting me on medical leave in XX/XX/XXXX and he told me to expect to be out for several months ... My student loan is roughly {$400.00} a month. I knew there was no way I was going to be able to afford that since I was going to be out. I called Navient to try and work out a much needed lower payment and the person told me over the phone I would n't qualify I needed to just make my pymts I was out of work on medical leave for XXXX months. I paid what I could during that time. The whole ordeal has severely affected my credit ... All my loans on my credit are listed individually as a posed to XXXX loan which means if I was XXXX month late I was hit with XXXX missed payments not just XXXX. I went to school so I could provide for my wife and XXXX children and I have been unable to obtain a mortgage loan because of this. I have been paying faithfully since XX/XX/XXXX and my balance barely has gone down as a matter of fact on every loan currently I owe several XXXX dollars more than I even borrowed on All loans..My last payment of {$380.00} and {$210.00} was applied to the loan ... For the past year I have just figured well if I ever want to buy a house I need to do as they say but I feel they have done me so wrong with not trying to help me with a solution. I do n't believe they have been applying the money to each loan appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient ( formerly XXXX XXXX ) continually calls me throughout the day. I am well aware that I owe them money, I intend to make these payments as soon as I can, and am trying to work so that I can make the payments I owe, but can not do so when they call me hourly throughout the day, leaving pre-recorded voicemails, or nothing at all. Today, XXXX/XXXX/15, I have been contacted at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Based on their track record yesterday, I expect at least 2-3 more calls before the day is finished. Yesterday they contacted me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$240.00}, the amount they gave me to settle the Victoria Secret account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i been on phone with them and they keep put me on hold and give me hard time i try to apply for a card and they deny me b/c of that fruad account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: FIRST HORIZON BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This complaint is concerning collection calls by First Horizon/First Tennessee Bank regarding a HELOC ( Home Equity Line of Credit ). We thought this was a mortgage loan ; however, we are being told that it is treated as a credit card debt. 

In a previous CFPB complaint dated XXXX/XXXX/XXXX, we explained that we have only Social Security as income as a result of layoffs. We applied for this HELOC, in good faith, XXXX XXXX, XXXX. We 'Paid as agreed ' until XXXX, XXXX, after we had been unsuccessful in finding new employment after layoff ; we notified First Horizon/First Tennessee that we would attempt to sell the property. 

We received an email from their Consumer Loan Servicing Department, with text highlighted in bright yellow, saying, " The offer must net a minimum of 40 % -60 % of our mortgages current principal balance to be considered. '' Our Realtor said that the real estate market could not meet that requirement. 

Our credit report indicates that this HELOC was 'charged off ' by First Horizon XXXX yet, they continue to call. I notified them in writing that we are seniors with only Social Security as income. It was explained that we could not afford to pay off this loan, so why keep calling? Their written response says that they have the right to continue calling in an effort to collect. 

I have a log of their phone calls from XXXX XXXX, XXXX to XXXX XXXX, XXXX which include calls on weekends and a call on XXXX XXXX, XXXX. As their letter stated, they are within their rights to attempt to collect. Nevertheless, our income has not changed and we are seniors. When we lost employment, several loans were placed in default ; however, First Horizon is the only one still calling. Is it not enough that these loans appear as defaults on our credit report? There is no justification for these calls, and it begs the question as to whether all of the Social Security seniors who are in default receive collection calls, or is it only select ones? The loan has been charged off, we have no earned income, and we request that the calls stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I pay my car note every other week. Last year they started applying my extra payments as principal only. I have to reach out to them every other week about my {$190.00} payment to be reallocated towards the next car note due. I asked for the latest payment to be reallocated and they said you can't pay more than 3 month 's in advance. I asked if they were refusing to reallocate the most recent Payne from XX/XX/XXXX and they will not give me a clear answer in writing. I have always had my car note paid at least 2 month 's in advance because you never know what will happen. The car note has been paid in advance since 2017 when the loan started the last year of service has been awful with them changing the terms and conditions in the middle of the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I was inquiring this debt and XXXX tricked me into paying for it once I found out It was under the bankruptcy he acted like he did n't know and said that we owe them money that is why he charged us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pinnacle Credit Service is attempting to collect a debt from me of XXXX and XXXX and I never establish a contract with this company. And they are reporting negative items on both my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Pinnacle Financial Services reported to the credit bureau that they colected a debt of XXXX Dollars for XXXX services. The debt was paid in full to XXXX XXXX. After it was paid Pinnacle reported it as a closed colection. This constituted re-aging of the debt they never had any involvment In collecting thereby severley damaging my credit score with all XXXX bureaus. I never had any correspondence or communication with Pinnacle Debt Services. They have refused to provide me with and valadation of the debt. They are the subject of numerous complaints with the with the XXXX in Minnesota. They are a predatory collection Agency who refuses to follow the FCRA. How can a collection agency report to the credit bureau a debt that i paid to another agency in full. They are engaging in re aging of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pinnacle Credit Services is attempting to collect a debt to which I do not owe. The original creditor is XXXX XXXX and I was recently notified that I was illegally billed by XXXX for services that I did not receive. XXXX was recently sued by the FCC and CFPB concerning their illegal billing practices. The results can be seen here : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card from Chime in the mail. It looked like an advertisement but decided to call them to confirm it wasnt fraud. They advised that someone with my name, address date of birth, social but different email opened an account. 

They flagged it as fraud but wont give over the source of the direct deposit ( so I can contact that person ) or the person email address so I can give it to the police. 

They allowed someone to open an account with insufficient identification ( no ID, no copy of social ). They do not have controls in place.

They also do not have a way to speak with someone. All correspondence is via email or the app. They wont speak to me unless I email them a copy of my license ( I don't trust them with my personal information ). 

Let me know if you need the account or routing #.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing in my complaint because I feel my bank does not want to review my file for a loan modification and is going to sell my property next Tuesday, XXXX XXXX. I was given the excuse that they needed 38 days to review the file which I find a little extreme because I did not even receive a legal notice that they home was going to be sold. I submitted a package on Wednesday XXXX XXXX which gave SLS 14 days to review my financial information. I also own other properties and have modified my other homes and neither of the servicers needed a package 38 days before a sale date. I am now on the brinks of losing my property because I will not be given a fair chance of having my file reviewed.

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 2021-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America date : XX/XX/2021 XXXX XXXX XXXX branch XXXX XXXX XXXX XXXX CA I deposited about XXXX USD into the ATM, but the machine showed an error and returned nothing, printed out a receipt to let me call a number which no one answered.

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 monetary relief
Consumer complaint received 2021-06-26
Company: EQUIFAX, INC.
State: NY
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 sent a request for method of verification after incorrect information came back verified. I requested an answer within the 15 days as provided me by FCRA 611 ( a ) ( 7 ) to get a description of methods used to investigate my previously mentioned disputes, particularly a bankruptcy appearing on my report that I have verified with the court was not filed by me and was never verified by an outside CRA. Additionally, there were 2 credit collections that were " pay for deletion '' and still came back verified through XXXX.

I would like these items removed from my credit files, as I am trying to refinance my mortgage and they are providing and incorrect negative appearance on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have never received notice of debt from them and they collected {$2200.00} from my paycheck, never got noticed of what the debt was paid for and now they are trying to collect for another {$550.00}, I have check my credit file and I only show I owe them {$550.00} which means I have paid well over the amount due. I believe they have collected for a debt that was out side the states statue of limitations and is now trying to collected on a new debt.

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 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 recently been reading up on 15 USC chapter 41 as it relates to credit. I understand that any transaction that arose from the use of a credit card must be excluded from my consumer reports. I also understand that a credit card is defined as any card or device use for the purpose of obtaining money, property, labor or services. I disputed these items OVER 30 days ago and my dispute was ignored which is a violation of the FCRA. 

The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit. 

Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. 

The following accounts need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One has told me that I do not have late payments on my account but my credit report is showing XXXX late payments ( XXXX, XXXX, XXXX, XXXX, XXXX ). I have disputed this information with Capital One several times and have been told that the late payments are correct but when I contact Capital One they assure me that there are no late payments on the account ; Capital One then assured me that the late payments were corrected and removed off my report and that the credit bureaus had to update their reporting. After disputing with all XXXX credit bureaus, I get a unanamous answer saying Capital One is reporting the late payments so my credit reports can not be changed. I have submitted complaints to all XXXX credit bureaus thinking they were refusing to update the information but the re-investigations by the credit bureaus are pointing to Capital One being the broken link. Capital One is telling me that their reporting was updated and they are not reporting late payments but they still report the false data. Capital One is lying to me about my account information and reporting false data. Attached is a copy of a conversation I had with a Capital One representative. They clearly state that the late payments have been updated and removed, yet they still report the late payments. Calling Capital One yields the same result. I end up waiting for the credit bureaus to change the information but they are only reporting what Capital One is providing them. Capital One needs to report the correct data and my credit reports should be updated and the negative information should be removed. These XXXX payments have killed my credit score.

Company response to consumer: Closed with explanation