BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Ive been reaching out to Experian over the past few months XXXX  the inaccurate and inconsistent information reporting on my credit report. Ive attached the letters and certified receipts as proof. Each time I sent the letter to the agency the said they updated the account but their where no changes made and the cleay reaged the XXXX which is a violation. So because I felt like they were neglecting to investigate my concern I asked for the method of verification in my letter XX/XX/2020 and NEVER receive a respond

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 2022-10-13
Company: Ability Recovery Services, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notification from the credit bureaus about a collection that was reported by Ability Recovery Services LLC on XX/XX/XXXX with a status of seriously past due/ assigned to attorney, collection agency, or credit grantor and internal collection agency for a debt of {$440.00} and a balance updated in XX/XX/XXXX. No other contact is provided on the credit bureaus except for a XXXX XXXX  XXXX. 

I had a few accounts that were opened fraudulently in the past. I was a victim of Identity theft and provided an official statement about the crime with the FTC report # XXXX. A total of 10 accounts opened from XX/XX/XXXX with XXXX XXXX. These accounts were opened fraudulently to obtain goods. I have mailed a dispute letter to the company today XX/XX/XXXX to the address on the credit bureaus po box XXXX Wyoming PA XXXX, the XXXX, FTC & Massachusetts AG office . Thank you!

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 2017-03-16
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
BYL collection did not provide adequate verification for debt in question. No documents were provided showing contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Credit Karma, LLC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: T.S. Holdings
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I received a collection call today from XXXX ( IQ Data Inc ) regarding a debt for XXXX XXXX XXXX  XXXX XXXX. It's totally unacceptable because first of all, I lived there for more than six years ago and I'm pretty sure that I don't owe them anything. I remember that 30 days after I left and noticed that didn't receive my deposit back, I only received by mail a letter with absurd amounts related to replacing the carpet and minor repairs to the wall. 

When I emailed them using their ( Contact Us form on community 's Marketing Website section ), I questioned why the prices were so high, so that time a XXXX representative ( XXXX XXXX - XXXX ) was replying all my emails and one of the emails she was apologizing in regards the wrong estimate that I received by mail to replace the carpet and to fix minor wall repairs, so she came to the conclusion of a completely different and lower amount than the one that I had received in the mail. 

Finally, I was informed by her on XX/XX/2015, XXXX XXXX, that the final amount would be {$320.00} ( they already got my deposit that time and never gave me back ). My deposit was suppose to cover for all the repairs that they mentioned but they decided to over charged me that time and charge an extra amount ( the one mentioned here ) to replace the carpet and minor wall repairs. Lastly, I agreed immidiatelly about the final amount ( extra amount ) and asked her how should I make the final payment, once they said my deposit will not cover for all this expenses. 

On XX/XX/2015 at XXXX XXXX, I also informed her that I would be going there that day to drop the payment that was agreed between us by email. 

I was reading my emails again now with her and I noticed that I mentioned to her that I will drop-off a money order and not a check. I just called XXXX XXXX ( the company that I purchase 99.99 % of my money orders ) and they said that I need to request by mail a " Money Order Research, but it could take 6 to 8 weeks to send me back the results and we cant wait all this time. This is not fair because Im pretty sure they lost my money order that time based on the call that I received today. 

I don't understand how a company like XXXX XXXX XXXX does not have a copy of my payment anywhere there. I will fight to proof my innocence because I know this was paid on XX/XX/2015 when I dropped the money order there that day. Im going to also file a dispute now on ( https : //www.consumerfinance.gov/complaint/ ) about this. 

I just tried to contact XXXX XXXX by phone and e-mail but her email is not working and I couldnt find her by phone as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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

Complaint:
I gained my first private student loan with XXXX ( now navient ). As a XXXX I was unaware of the troubles that I would encounter once I have received a degree and entered the working world where XXXX/Navient would begin to terrorize me financially. Since my loans have been in repayment I have not been able to make the payments due to the amounts on the loans being so high and my income being so low. Navient has proposed options that are n't near suitable for me to maintain with the tightest budget. Even in light of my current income they are still expecting me to pay beyond XXXX $ a month ( IMPOSSIBLE ). When attempting to work out other options with them based on my income they were still asking XXXX $ XXXX $ a month ( STILL IMPOSSIBLE ). Alongside of the harassing phone calls and threatening letters, the customer service is terrible and they show no empathy at all. i.e. a customer service agent called me broke because I could not fit the extremely high repayment " option into my budget ''. Long story short I have worked hard to maintain good credit in effort to put my family in a home and live comfortable, however I am unable to do so due to this monster called NAVIENT. ... ... ... They are not flexible and do not really provide " options '' for repayment. I 'M SURE THEY ARE NOT ONLY RUINING MY LIFE, BUT ALSO MILLIONS OF LIVES ACROSS THE COUNTRY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
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: Information belongs to someone else

Complaint:
Hi, i have numerous inquiries account that are unauthorized and need to be removed from my credit report from the major credit bureaus immediately. I tried to consult this with the original creditors with customer service, but nothing change. I tried to dispute inquires with all three major credit bureaus (XX/XX/XXXX XX/XX/XXXX and Equifax ) nothing has changed. I am now taking extra measures with FTC and CFPB. 

I recently check my credit report and all unauthorized inquires are still there. Please remove the following inquires : XX/XX/XXXX: ( XXXX XXXX OF : Inquired on XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX : Inquired on XXXX XXXX, XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX ). 



Equifax : ( XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XXXX XXXX, XXXX ). 


XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is a new credit card I applied for, my first statement showed {$4.00} charge from XXXX  and another charge of {$99.00} from XXXX I called the credit card company and disputed the charges, I have no idea what these charges are. Also called XXXX and XXXX  to find out what this was for. this is not a legitimate company, they said i have signed up for healthcare and to read the fine prints from now on. I go to work and come back late at night to support my family I don't have time waste on websites and sign up for things i dont need. credit card company was not on my side saying they also called the company and they verified my info and i was responsible for the charges and was told it was for something I signed of for. I have no idea whats going on and am shocked that this could happen and my credit card company isn't on my side and the crooks are getting away with this. all i know is i have not received anything from that company nor do i want anything from them. they apparently have all my info so its no problem for them to verify things on my behalf. i hope my credit card company changes their mind and protects me. its amazing that this is going on. called again and guy helping me said he is re opening the investigation, hopefully we have a different result this time if not i will not let this go i know for a fact this is fraud and i will not let these crooks get away with this.

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 2016-05-17
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to complete a short sale with Roundpoint mortgage for over 2 years. They continue to stall and keep asking for more documents. I finally completed all their document requests as of XXXX XXXX. I was told they have a " complete package '' that was submitted to " processing dept ''. I was told they would make a decision in 30 days.. It has been 47 days and they still will not make a decision. I have a cash buyer that will not wait much longer. This is my XXXX cash buyer. All other cash buyers have walked due to the delays from Roundpoint.Their last excuse was the the buyer 's name was not spelled correctly. I feel that I am not being treated fairly and they should not take this long to approve or reject my short sale request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was charge a {$29.00} fee for funds not being in my checking account the company does not allow time for me to transfer the funds or place the amount tht is needed for the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14
Company: Premier Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have received several calls in an attempt to collect old payday loan debt. The caller insists criminal charges will be pressed if I do not pay them.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have received several calls in an attempt to collect old payday loan debt. The caller insists criminal charges will be pressed if I do not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
FedLoan Servicing has constantly put up roadblocks and failed to provide important material information to me in my effort to switch repayment plans to REPAYE. Most recently, they required me to make multiple full months ' payments within a two-week period with new " payment due '' notices popping up literally overnight after making a prior on-time payment. They and also initiated a capitalization of interest on my account which adding over {$12000.00} to my principal balance without notifying me that this was going to happen when I requested to change repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am requesting to get my entire credit file. I have received several adverse actions against me. That contain inaccurate information. I am not asking for my consumer report. I have received a copy of all my up to date consumer reports. I need to retrieve my entire file that your company has assembled.

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 2020-03-28
Company: EQUIFAX, INC.
State: SC
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:
it been over 60 days and two tries and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XXXX - XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/2022 my wife and I ( XXXX & XXXX XXXX ) purchased a home and the mortgage was through XXXX XXXX XXXX of Texas. We have always paid our mortgage on time. 

Newrez Servicing dba Shellpoint Mortgage Servicing acquired our mortage sometime around XX/XX/2022. Shellpoint actually sent us paperwork after XXXX XX/XX/2022. 

Neither XXXX nor I have ever received any phone calls or emails stating the transfer of ownership of our home loan till Shellpoint reached out to us XXXX looking for our XXXX, 2022 mortgage payment. 

We sent our XXXX payment to XXXX XXXX XXXX of Texas which bank records show they cashed on the XX/XX/2022 - on time. 

At not time did eahtier party tell us the loan had been transferred sold or whatever? 

In any case it has since been sorted out as XXXX XXXX XXXX of Texas has since wired the money, we paind to them on XX/XX/2022, to ShellPoint. 


On the XX/XX/2022 formal demand letters were sent by Shellpoint to XXXX and I saying there was an issue on our loan and to call immediately to avoid foreclosure. I called Shellpoint after collecting the letters from the XXXX XXXX ( Certified mail ) yesterday ( XX/XX/2022 ). Shellpoint confirmed that there was no issue with the account and we are up to date and the operator also confirmed that Shellpoint had in fact received the wire transfer from XXXX XXXX XXXX. 

XXXX and I have been on the phone many hours trying to fix this issue that was caused due to the lack of communication from both XXXX XXXX XXXX and Shellpoint. 

Now we are in the process of finalizing our solar contract and new kitchen. XXXX has a late payment remark from Shellpoint, over 90 day late payment. 

I also have the samne remark and a new a new account opening showing on my credita new account opening on my credit. 

XXXX 's credit has been hit with a XXXX point drop due to the late payment remark, and mine has a number of deductions on opening a new account. 

Please note that we are not late and we never opened any new accounts with Shellpoint. 

I have reached out by phone and email to have this credit reporting issue resolved by Shellpoint and to date have not received any response. 

We have huge hits on our credit that have now made it impossible to close our financing for our new solar and our new kitchen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my credit report it shows that I am 60 days past due. 

It states XXXX, XXXX and XXXX as received payments over 30 days lates. 

I have made payments on the following dates. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX The incorrect amount is being shown on my credit report. 

Payments submitted the following

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 2016-12-19
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to resolve a 30 yr lien that Suntrust acquired through XXXX. I am due to close on the sale of my home tomorrow but will not be happening due to no response from Suntrust. They tell me I am not able to speak to anyone in that dept and when I ask for a manager they hang up on me and I asked to speak to someone in their legal dept I also get hung up on-This should be against the law that a company can keep a lien against your property from XXXX owners ago and refuses to acknowledge and keep me from selling my property.

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 2017-02-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
A second student deferment was put on my student loan by XXXX XXXX, now Navient. This happened on XXXX XXXX, XXXX XXXX, and XXXX XXXX. I graduated in the middle of XXXX XXXX. 
I want the capitalized interest reversed by this second student deferment. I am submitting my enrollment verification and my transcripts showing that I was enrolled at the same college and in the same program from XXXX and XXXX. There is an error in the enrollment information XXXX XXXX obtained from XXXX College. I finally obtained my degree in XXXX of XXXX. 
The first student deferment was stopped in XXXX of XXXX. That should have been sufficient enough evidence to keep you from instituting the second student deferment while I was enrolled at XXXX College in the same XXXX program. 
If the evidence I submitted is not sufficient, you need to let me know reasons why. I am also requesting a copy of the enrollment information you say that XXXX College provided you in order for you to place a second student deferment on my student loan. 
If the evidence I provided is not sufficient and you need more official documents, you need to let me know. You will also need to let me know who I need to send the documents to ... ... ..a name and the address at Navient of a person that will review these documents. I will send this certified mail if need be. Thank you.

Company response to consumer: Closed with explanation