BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: KS
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:
Please i need someone to help me here. I sent out my first dispute letter to Experian on XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are 2 inaccurate accounts on my Experian report and they are listed bellow yet Experian or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. 120 days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing.

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 2015-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was threatened over the conversation by a phone call from Bank of America in early XXXX, 2015. The gentleman told me that I am fully responsible in debt of {$21000.00} because this account is under my name with my social security number. I was very afraid my credit will be damaged and worried about the employment opportunities in the future if I refuse, I agreed to settle with him verbally. 
I received the confirmation letter about two weeks later, the settlement amount of {$5500.00} scheduled of XXXX installments starts from XX/XX/XXXX. Each payment will deduct from my checking account automatically. However, I discovered this account does n't belongs to me ; I am neither the business owner nor holding Tax ID. Meanwhile, I do n't have enough money to cover the payment. 
The overdraw protection plan of the BOA works and yet accelerate more debt. I called to reverse my money back to my checking account, unfortunately, every one were dropping the ball although XXXX of the gentleman told me that he is issueing the request for me. I went to bank 10 days later personally, they told me it is still processing because holiday and weekend. 
I also discovered none of any letters from I received indicated the fully credit card number ( XXXX of confirmation, XXXX of reminders to XXXX of attempt to collect a debt. ) I 'm very anxious want my money back to pay the other past due payments. I should n't made this kind of mistake, what a fool I am!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX : Account number : XXXX, 15 U.S.Code 1666b ( a ). 

XXXX XXXX XXXX Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX : Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX XXXX  ( Original XXXX XXXX XXXX BY XXXX ) : Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, 15 USC 1692a ( 4 ). 

I have reached out to Experian and followed the proper protocols that were required of me but no satisfactory results were given to me. Please VALIDATE, NOT VERIFY these accounts

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 2022-08-17
Company: EQUIFAX, INC.
State: VA
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:
REF : XXXX. Equifax is continuing to violate their grave responsibilities under the Fair Credit Reporting Act and are damaging my reputation in the process. In the above referenced complaint, they stated that the inquiries which I will attach, were a matter of FACTUAL record and they will stay on my credit file for 2 years because it is their policy. However, the LAW doesn't permit them to house any inquiries on my file. The LAW doesn't agree with their policy. In fact, Federal Law states that without direct consent from the consumer, they are not to disclose any information nor report information.

Since they state that the inquiries are a matter of factual record, I am demanding the description of their investigation procedures pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ). Provide me with the names, addresses, and exact information provided by the people who helped you determine that these inquiries are a matter of factual record and you are required to provide this information within 15 days, so if you fail to do so, further action will take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Naviant failed to adequately inform me when successfully enrolled in an income-driven repayment plan of critical deadlines or the consequences. They also didnt make me aware of the dates in which i had to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX. On XX/XX/XXXX - I filed electronically for a 3 month forbearance on my mortgage since I had just left by job due to COVID. 
XXXX. XX/XX/XXXX - I received letter from mortgage company approving 3 month forbearance for XXXX XXXX. 
XXXX. XX/XX/XXXX - paid full mortgage payment. 
XXXX. XX/XX/XXXX - paid full mortgage payment XXXX. XX/XX/XXXX - used forbearance and did not pay mortgage payment XXXX. XX/XX/XXXX - I filed a 3 month extension on the forbearance. Spoke to agent on phone from mortgage company for almost XXXX minutes understanding all the details. 
XXXX. XX/XX/XXXX - I received extension from mortgage company extending forbearance for XXXX thru XXXX. 
XXXX. XX/XX/XXXX- spoke to agent at mortgage company and he filed another extension in addition. 
XXXX. XX/XX/XXXX - I received letter from mortgage company approving additional forbearance until XXXX XXXX. 
XXXX. XX/XX/XXXX - I used forbearance and did not pay mortgage XXXX. XX/XX/XXXX - I received letter from mortgage company stating my mortgage was no delinquent and if I had filed bankruptcy then the communication was only for information only. Documents also included were how to file for forbearance, or mortgage modification. 
XXXX. XX/XX/XXXX - I called and spoke to agent regarding letter, they said all was in place for forbearance and it was a system generated and not to worry as it was fine. 
XXXX. XX/XX/XXXX - Knock at my door and person hand delivering document to my stating my property was delinquent. If I was in bankruptcy, this was no an attempt to collect but for information only. She also stated the mortgage company had been trying to contact me by phone, but have been unable to contact me. 

I had received calls with no messages left from the mortgage company on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX with no voicemail left. 

XX/XX/XXXX - I called the mortgage company and spoke to supervisor to advise I was filing this complaint. She also stated I should not receive any further communication regarding the delinquency as it was a system issue and she would escalate the problem to management. I told her someone coming to my door was NOT a system issue and was being harassed for using the legal forbearance I was approved for. I also advised I was filing this complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2015-11-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am not trying to get Navient in trouble I just need help with them trying not to let my private loans default. I have been doing my best to pay on my private student loan but this month I was not able to pay it and now I am going to be in default by XXXX XXXX. My bal is XXXX in the rear that needs to be paid. But, I do n't have the money to give them. And I want them to give me until the XXXX of XXXX to give them the money. I had lost my job and I got a new one and the day I get paid is on the XXXX of XXXX and I just need time to pay them. Please help me. I do n't want my credit more damaged then it already is. Plus, I do n't want them to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I was in the process of trading this vehicle in, I have been paying on it for a little over one year. I have had all kinds of mechanical failures dealing with this vehicle. I was already {$10000.00} upside down on the loan and had to replace a few parts. I have been in touch with American Credit Acceptance since XX/XX/XXXX and I have received 10-day payoff quotes to have this trade-in properly evaluated. They have been aware since before my bill was due since XX/XX/XXXX, I was current on my car note until the XXXX 's payment, that is only one month in the rears. 

How does this end up on my credit report so quickly and falsely in less than 90 days and without a repossession? This seems like a move to punish the consumer for making a better trade, at the end of the day they are away that I purchased XXXX new vehicles in the month of XXXX and that they will receive the total remaining on the XXXX XX/XX/2014, which is {$18000.00} before too long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Affirm Holdings, Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was severely affected by Covid19 and asked for assistance during the months of XXXX via phone and email. I was barely able to make the minimum payment and did my best to prevent if from being charged off. I even made payments with my grocery money, and they still would not offer a deferral, or any other forgiveness option. They repeatedly ignored my situation or said it was not an option for any of my 13 charged off loans. A majority of the conversations were recorded over the phone, but I sent a few emails in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/2020 : Sent letter to original creditor asking to verify debt by performing a reasonable investigation. I also requested that they send me an explanation of the investigation method they used to verify my account. 

They sent me back a letter saying they didn't know what I was disputing and to to dispute with the four credit bureaus ( XXXX, Equifax, XXXX and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX I purchased a washer and dryer set and a king mattress set from Conn 's. The XXXX pymt was XXXX. For the first 11 months I made the pymts before the due date between the XXXX-XXXX of the month. XXXX XXXX, XXXX. I called to asked what is the pymt amount. This was a 12mos no finance deal so I was meticulous with my timely pymts. The agent told me and I gave them a check card number. The agent must of gotten a few numbers mixed because the monies was not taken from my acct. So I called back on the XXXX to find out why pymt was not taken and I had discovered the mistake on Conn 's end. So I gave the agent that day my card number again this time I had them to repeat the numbers back to me. I asked for a letter to be sent out that the matter was settle and I was told that I would receive this letter. XXXX an amount of {$2200.00} was withdrawn from my acct. However, I have never received a letter. My thoughts were ( I have my bank statements, confirmation numbers, and the original contract ) About XX/XX/XXXX I started getting calls from an unknown number. This number would call me every single day, holidays and weekends up to XXXX a day! XXXX XXXX I started keeping track of conversations with conn 's when I found out this is who was calling. I was shocked. I told them all that I said above the agent agreed that my acct should be closed and not sure why it is still open. I have these recording of my conversations with them. Which is about XXXX all recorded. The XXXX time I spoke with an agent they said that my acct was open for a {$25.00} late fee. I told them the above stated and not to call and harass me anymore. I have never received any correspondence from Conn 's until XX/XX/XXXX and if there is a spot to upload these letters I will. Last this company has reported me to the bureaus XXXX times and each time and the letters are MAJOR discrepancies. In less than 3 months and after I asked conn 's to stop harassing me they have called me a total of XXXX times! I have screenshots and recordings and all my records to support my claims. My thoughts besides that this company has shady business practices and behaves horribly is that they thought that they can extort monies out of me because this debt is over a year old and most people do n't have records. Newsflash and I am so proud to say that I have EVERY SINGLE DOCUMENT. LOL another thing Conn 's call from more than XXXX numbers also I 'm glad that my bank statements were too large to upload and the page froze. However you can see my log book where I keep acct of my bills note next to conn 's is the confirmation numbers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is related to XXXX. I put in a request to remove active military duty alert and initial fraud alert. Experian delete the fraud alert, but the active military duty alert is still in place. I need Experian delete the active military duty alert immediately, so the bank can pull up my credit report, and process my refinance application. 
Experian report is XXXX. They closed the dispute and only remove the fraud alert. Attach is document send by Experian. Thanks 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 non-monetary relief
Consumer complaint received 2017-02-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
collection agency stated that once debt is paid i would receive a letter of satisfaction debt paid in full and request from major credit bureau to remove from my credit once debt was paid i did get a paid in full letter but no request for deletion from my credit when asked why there was no deletion statement they said they report only i told them i was told they do deletions they referred me to merchant and merchant says they sold account im getting the run arround

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 2017-01-19
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
short of cash paying vet bill in XXXX 2016, they offered a credit card from CareCredit/Synchrony Bank. HOWEVER, I had to charge an extra {$200.00} on the card for absolutely no services rendered to me. A few days later, still very upset over the rediculous charge fee, I withdrew funds from my savings account and had a bank check sent directly to the vet - not the credit card company. The check arrived at the vet 's on XXXX XXXX, 2016. A couple of weeks ago I started getting phone calls - daily - sometimes four times a day from CareCredit. I have not answered except for the first time, which turned out to be a recorded voice. They did send me a bill for {$220.00} as they added interest.

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 2015-11-17
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My wife and I were at a hotel in South Dakota, and the next morning the phone rang and the caller said they were the front desk and there had been a computer malfunction, and they needed her card number again. SHE gave them the card number, as I walked into room. She told me what I happened and I immediately went to hotel front desk, figuring she had been scammed. We called the credit card company immediately, to report the fraud. and there was {$2800.00} billed to our card already.We received a letter, from Syncrony fraud division, we filled it out and sent it in. We thought that was the end of the issue. Today I received a letter From Synchrony stating the fraud was our fault and now we owe them the {$2800.00}. My understanding is they are not following the law themselves, by trying to get consumer to pay for the fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
BBVA Bank was being bought out by PNC Bank. In XX/XX/2021 I went to an office in person because I was unable to close my account online. I asked the woman to take my funds out and close my account. However, I still have a PNC bank account that I do not want. It has been very difficult to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a letter dated XX/XX/21 regarding a 30-day foreclosure notice stating my loan modification was denied because there are liens on my property that were not satisfied in time. That time frame was XX/XX/21. This statement is inaccurate as I emailed a satisfaction letter from XXXX XXXX in XX/XX/XXXX 2021 along with my loan modification application. I spoke to a representative several times and each time I was told that I still did not have a free and clear title. When I called XXXX XXXX, they informed me there were no liens on my property. I then proceeded to call the recorders offices in which they also told me there were no liens on my property. It is now XXXX and Sun West Mortgage is telling me liens are still showing up on my property. I went on to the Clark County Recorders office website and pulled up the records that show the liens were released in XXXX and XXXX of 2021. Today when I called Sun West and spoke to someone, I was appalled to find out there has not been a new title search since XXXX of 2021!!!!! This is unacceptable!!! 

The negligence from Sun West that has not even bothered to do a new title search is incomprehensible! The fact that I have waited for MONTHS because Sun West can not get their act together and pull a new title report is criminal as they are now threatening to foreclose on my house on something that was taken care of back in XXXX!! This could have all been resolved in XXXX had Sun West done a little due diligence and looked this up themselves, but instead worked from an old title search. I have emailed screen shots from the Clark County Recorders to Sun West showing all the liens have been cleared. The recorders office told me they could not provide me with copies of the stamped lien releases, but I was able to see the release on their website. Sun West Mortgage is threatening with a 30 day foreclosure notice after their egregious oversight by stating I did not have a free and clear title when there is proof that is has been free and clear since XXXX of 2021.

Company response to consumer: Closed with explanation