BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-16
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
National Credit Systems is the collection agency that is reporting inaccurate information to my credit report. I have disputed with them and through all 3 bureaus multiple times and they keep reporting that the information is accurate but refuse to provide documentation from the original creditor whom is the XXXX   XXXX  XXXX XXXX XXXX.I originally tried to reach out to the apartment complex myself but this complex was sold to another company and they have no record of anything. I disputed the balance they say I owe which is {$5300.00}. I've asked they send me proof of this balance and they keep sending me the last account ledger ( which is inaccurate ) from the Apartment complex prior to them being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: OneMain Finance Corporation
State: PA
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 had 2 accounts with one main financial. Both accounts were paid off in full XXXX balance on the 1 on XXXX XXXX 2018. The other account was paid in full XXXX balance on XXXX XXXX 2018. Company had reported to all 3 bureaus on XX/XX/XXXX to XX/XX/2018 that accounts had XXXX balances and accounts reported being closed XX/XX/XXXX to XX/XX/XXXX XXXXWhich was correct and accurate. They then reported XXXX that both accounts still had original balances and I was hit with missed payments late fee 's on both accounts. this dropped my credit down XXXX points. I have my receipts of payment made in full and lien release paper and title to my vehicle witch was used as collateral. I had submitted numerous disputes with all 3 bureaus. to the extent of physically mailing in everything I'm going to attach to this. Contacted the company numerous times to. They tell me they never got paid. Which is a lie thank goodness for receipts when payments are made. Cant prove they received cash without them! They change there story all the time to. Never the same dates amounts complete bogus. They refuse to remove this from my credit along with the 3 bureaus. Showed the company copies of my receipts they refuse them how's that even possible? Then the posted amounts taken from my bank account. Still not good enough. there monthly billing statement reflecting the XXXX balances still not good enough. I got nothing else to show or prove..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was called to XXXX XXXX in XXXX, by law my loans were supposed to be deferred. I did not come off XXXX XXXX until XXXX. I was in XXXX from XXXX to XXXX XXXX law I am entitled to have a six month grace period. My payments would have started in XX/XX/XXXX. 
XXXX : 1 month XXXX : 2 month XXXX : 3 month XXXX : 4 month XXXX : 5 month XXXX : 6 month My first bill should have been due XXXX XXXX. Navient is refusing to honor my 6 month grace period. They stated I used my 6 months while I was on XXXX XXXX which they cant do because my loans were already deferred due to my XXXX XXXX XXXX. Navient is unable to provide the history of my loan as well so they can tell me exactly when the 6 months were used. XXXX said due to it being with another provider they are unable to provide exact dates and times to verify. Navient has placed a delinquent payment on my credit report for XX/XX/XXXX when my account was supposed to be in the 6 month grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: CA
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 me several attends to remind you of your duty pursuant 15 USC 1681. It appears that youre intentionally and willing being neglectful in remedying my affairs. 15 USD 1681e ( b ) assures that I'm due, promised accuracy in my report base in federal law. I am making this call as another attempt to have these errors connected on my credit report. 15 USD 1681i ( A.5 ) says all unverified information mist be promptly removed. This infomation was update without proof of wet signtures, eoscar permission or any documentation. 


In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX  account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX Equifax account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Equifax account XXXX XXXX XXXX following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 me several attends to remind you of your duty pursuant 15 USC 1681. It appears that youre intentionally and willing being neglectful in remedying my affairs. 15 USD 1681e ( b ) assures that I'm due, promised accuracy in my report base in federal law. I am making this call as another attempt to have these errors connected on my credit report. 15 USD 1681i ( A.5 ) says all unverified information mist be promptly removed. This infomation was update without proof of wet signtures, eoscar permission or any documentation. 


In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account XXXX Transunion account XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX Transunion account XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Also the following inquiries Transunion 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 non-monetary relief
Consumer complaint received 2016-10-18
Company: Core Advisory Group, LLC
State: TX
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I had contacted Core Advisory about my mortgage situation about 6 months ago. At the time, I did n't have the money to start the process as I did n't know that this company was not suppose to charge me. I then get a foreclosure sale date 4 months later and I had the funds to begin the process. Core Advisory promised me that they will " stop '' the foreclosure and force the mortgage company to give me a loan modification. I gave them {$1600.00} up front {$1500.00} for the comapny and {$120.00} for the notary that came to my home so that I can sign some papers. I also, gave the notary for Core Advisory XXXX post dated checks for XXXX, XXXX, and XXXX. I did stop the one for XXXX as my suspicions were evident. A case manager was assigned to me in which he drafted some letters for me to send via certified mail to be sent to the mortgage company, HUD, and the the local congressman. I was then assigned a " trustee agent '' in which he told me that he would investigate XXXX. He called me and told me that he was putting me on XXXX way so that I could authorize him to speak to XXXX on my behalf. The sale date was getting close and he told me if it comes to it to file for bankruptcy with a " lady '' he knows that would help me with this. Well, that day before the sale, I was on XXXX way again with him and XXXX and found out that XXXX 's paperwork was n't right and the sale date was until the following month. I tried contacting the trustee and he did answer after 2 days and when I told him that I wanted to file for bankruptcy, he said " no '' it 's better to wait. I tried contacting Core and all I get is a voicemail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/XXXX our mortgage account with XXXX XXXX was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX Equifax, XXXX XXXX, XXXX  XXXX are showing XX/XX/XXXX as 180+ days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/XXXXXXXX  our mortgage account with XXXX XXXX was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX XXXX, Trans Union, XXXX  XXXX are showing XX/XX/XXXX as XXXX days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.

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 2017-02-01
Company: Pacific Union Financial, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Someone else in my neighborhood bought a house, the mortgage company filed a lien document that ended up encompassing XXXX houses in the neighborhood. Said mortgage company then sold it to a large corporation ( Pacific Union Financial ) whom would not return any phone calls or emails from both my mortgage company as well as my title company ( and a third party they hired ). 

We spent over 2 months on this issue trying to get it resolved and were never able to. I received multiple extensions from my mortgage company and ultimately ended up losing the opportunity to refinance at 3.25 % which would have allowed me to save over {$46000.00} over the life of the loan.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and I had a debt that was over 3 years old XXXX . When I checked the debt Enhanced Recovery Company LLC had changed the debt to 4 months old as if it was New! Now I have to wait 7 years for it to fall off my credit report! Unless Enhanced Recovery Company LLC changes there mind and change the date again!! This was my ex wife phone her responsibility to pay! And I will not pay!!! Enhanced Recovery Company LLC didn't give me any notification on the debt at all! Enhanced Recovery Company LLC should learn how to treat people and learn how to run a business!! I checked my credit report and found that a debt I had that was OLD! Was updated by ENHANCED RECOVERY COMPANY and it said it was opened 4 months ago, now I have to wait 7 more years, originally it was well over 3 or 4 years old and  only had to wait 3 to 4 years for it to come off! Now this was my ex wife 's responsibility, because I worked for the XXXX and received a discount on the phone and she didn't pay that is why it's on my credit report! I didn't have knowledge that she switched phones and didn't pay the outstanding balance. I refuse to pay because it was hers and she could afford to payed it! Didn't receive any type of paperwork, phone call or anything! This is appalling the way they do business! I'm XXXX now and was waiting for it to come off when I retire at XXXX! These people are blood suckers that get paid XXXX $ an hour! I get phone calls all the time from different places, out of state, a City that I don't know anybody, They should be closed for lying and stealing!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: STATE FARM BANK, FSB
Product: Credit card
Issue: Payoff process

Complaint:
State Farm Bank used XXXX XXXX XXXX to go behind my back into court in XXXX, GA to sue my for a XXXX plus debt that State Farm Bank charged off in XX/XX/XXXX.I paid State Farm Bank XXXX XXXX this debt in XXXX 2015. Since that time I have been trying to get State Farm Bank or XXXX to send me a signed receipt from State Farm Bank via email showing that the {$11000.00}. applied to the account the was charged off. For 7 months State Farm Bank and XXXX refuse to give me a receipt. I have the check that was deposited in XXXX account in XXXX 2015 copy of check attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX XXXX I contacted an ad on XXXX for a XXXX XXXX pickup truck. I left a message and XXXX XXXX XXXX XXXX called me back. He said he was a sales manager for XXXX XXXX XXXX in XXXX Kansas. He gave me all the info I asked for along with a copy of the title, video of truck running and specific pictures I had asked for. We negotiated and agreed on a price. They offered a shipping company who worked for them to deliver the vehicle to me within 72 hours after payment was received. On the XXXX we agreed on {$15000.00} plus shipping. At that time he wanted my drivers license in order to process the state paper work and to title the vehicle. He then emailed me a buyers order and all the account information to wire the money to their bank. On XXXX XXXX I went to our Huntington Bank and wired {$15000.00} to his XXXX account. After that he contacted me to tell me he received the money and that they were loading the vehicle on the truck and the truck driver would be contacting me. That evening the truck driver did contact me and said he would be here early afternoon on Monday XXXX XXXX. He would call when he was close. When I never got a call on Monday afternoon I began calling them and and never received any calls back. I started XXXX and realized it was a scam. They are still running XXXX other antique cars on other websites including the same truck I already was scammed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Select Management Resources, LLC
State: OH
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
Thr lender keeps contacklting me about a vehicle that I have n't had in my possession since XXXX of 2015. I was assuming that they were the ones who repossed my vechile since I didnt have anything else on it. I want the calls to stop while I 'm at work! I 've mentioned several times to contact me when I 'm not working, however, the company refuses to contact me within those time frames, not to mention its probably illegal for the representives to call me from their personal cell phones which actually did happen!

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 2016-08-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a Veterans Affairs/Administration debt on my Equifax credit report. This debt was a mistake and the Veterans Affairs/Administration has taken action to get the debt DELETED from my credit report. It has been successfully removed from XXXX and XXXX but Equifax refuses to remove it stating that the Veterans Affairs/Administration has continuously verified that I owed the debt. Attached is a letter from the Veterans Affairs/Administration to myself ( Dated XX/XX/2016 ) stating they have taken action to reflect delete on my credit reports and it could take up to 45 days. I sent this letter to Equifax and they ignored it and said they would not take any action to contact the Veterans Affairs/Administration and ONLY used an automated system. They informed me they were not allowed to contact the Veterans Affairs/Administration. I asked for it in writing and they hung up on me. They have, on many occasions, asked for my phone number and as soon as they put me on hold, they hang up the phone. I have a XXXX XXXX XXXX and this collection may have a negative impact on it if it is not removed promptly. I have been trying for over a year to get this resolved. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Have been contacted by this company for years. Today, on a recorded call, he threatened to take legal action since the debt was over {$1000.00} and that since the state of Ohio has taken my tax return this demonstrates they can take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I had Bank of America CC. 
I defaulted on the card because of BoA change in policy that I could not afford to keep up with and mounting medical debt. 
It was sent to collections and XXXX, XXXX, XXXX and XXXX XXXX have harassed me and made false statements. 
Legal aid helped me find court documents with falsehoods and service papers. 
I am on XXXX XXXX and can not make payment. 
The dates on the papers sent to me by them with Supreme Court of XXXX headings seem not to be legitimate listing multiple addresses. 
I was never served by anyone with the papers. 
I received a letter dated XXXX XXXX, 2015 referring to a complaint dated XXXX XXXX in which I was given XXXX days to respond to. Obviously this voided my opportunity to respond. 
The rest of the documents legal aid found online. I had no knowledge of these. 
The affidavit of Service from XXXX XXXX is also false, I was never served, this document was also found on line by legal aid. 
The dates are all untimely and impossible to meet. This is all done in an attempt to scare me into paying them. 
This is to include phone calls and claiming to have served me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has never communicated effectively about the repayment options and what it meant to hold a private federal student loan ( FFELP ) versus a direct federal student loan. They never reached out to discuss reconsolidation for a second time to take advantage of the federal government 's payment pause and they are purposefully dragging their feet on my reconsolidation now. I am trying to take advantage of the federal interest rate pause and they are slow walking my application. Not only that, but they have never communicated with me ( & others in a similar situation ) regarding this being an option and how to process the re-consolidation of the consolidation - I had to find out the information on my own and directly ask to receive the answers that this was possible. Navient deliberately withheld this information from me ( and others in a similar situation ), in my opinion. Had I been informed years ago, my student loans would have been on a payment pause or interest rate pause and I would have owed about XXXX dollars less than I owe now. 

My current balance is $ XXXX for my student loans. This is indentured servitude and unfair that because I took my loans out in the XXXX they don't qualify for the payment pause. This on-top of Navient not communicating about income based repayment and throwing my into forbearance instead during a 3 year period ( XXXX ) when I was struggling financially is predatory lending, plain and simple. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Someone opened an account under my information and had three phone bills with XXXX XXXX XXXX under account number XXXX amount {$2700.00} date XX/XX/XXXX to XX/XX/XXXX Several accounts have also been created under my identity I only know of two so far that have been charged unnsure of the res but it does show that i owe {$6100.00} XXXX  XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX {$630.00}

Company response to consumer: Closed with non-monetary relief