BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The complaint is about not being able to access my account on Equifax. In XXXX of XXXX, I discovered an identity theft that required me to access all of the credit agencies and make corrections. On year later, on or about XX/XX/XXXX, I discovered another problem that requires fraud alerts on the three credit agencies. There was no problem whatsoever with XXXX and XXXX. However, Equifax was and still is very problematic. When I login to my account, the message contact customer care always appears. After I contact customer care, they become frustrated because I am unable to access the account. I contacted Equifax on XXXX and alerted them the problem. This was between XXXX and XXXX of XXXX. After elevating the issue, I was informed about XX/XX/XXXX that I can not access my account and the reason is not specific. When I tried to get further information, my requests are ignored. I needed to set a fraud alert, review the data, and allow me to access the account to validate the data. Of course, I am not sure how useful or required this is since XXXX and XXXX are reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX Account Number : XXXX Bal : {$75.00} 2. XXXX XXXX XXXX XXXX 
Account Number : XXXX Bal : {$930.00} 3. XXXX XXXX Account Number : XXXX Bal : {$1300.00} 4. XXXX Account Number : XXXX Bal : {$0.00} 5. XXXX Account Number : XXXX Bal : {$0.00}

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 2021-01-13
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. 

Today XX/XX/XXXX - I called Resurgent Capital services to try and discuss and settle my accounts. 
1. I was informed that the accounts were now with a servicer - XXXX. 
2. I was provided the number to contact XXXX and also provided with a reference number. 
3. I contacted XXXX verified my identity and then provided the reference number. 
4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 
5. The sub-servicer was XXXX XXXX XXXX  and I needed to contact them to discuss the accounts, any payments and possible settlement. 
6. I received just the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  and after providing all of my information I was told that they did not have my account. 
7. XXXX XXXX XXXX stated that I must contact XXXX XXXX because they MAY have my account. They provided the number to XXXX XXXX. 
8. I contacted XXXX XXXX, verified my information and was told I did not have an account with them. 
9. XXXX  XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XXXX  and XXXX  XXXX  and that both sub servicers stated that they did not have my account. 
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
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:
I reached out XXXX XXXX XXXX   along with Experian, XXXX, and XXXX  multiple times they have not responded with any debt validation. 

I have no contract with XXXX XXXX I do not understand how they are able to report that I have a debt with them if they do not have a contract. 

There are two 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 explanation
Consumer complaint received 2021-10-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
EXPERIAN REPORTING HAS VIOLATED THE LAW AND REFUSED TO GIVE CREDIT REPORTS ETC. THEY WILL TAKE YOUR MONEY BUT WILL NOT COMPLY WITH CFPB RULES. THEY ARE A FRAUDLENT COMPANY.

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 2021-01-13
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRYING TO COLLECT ON A DEBT I DONT KNOW THEY THEY HAVE ARE USING MY INFO FOR BAD

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
EXTORTION FROM CAPITAL ONE - FORCING TO PAY FOR PURCHASE NEVER MADE. 
CRIMINALS - THIS COMPANY HATES PEOPLE NEVER EVER GET A CAPITAL ONE VISA CARD 15 YEARS OF LOYAL PAYMENTS NEVER EVER LATE SINCE GOT HACKED - NOTHING BUT PROBLEMS - SINCE GOT HACKED CARD WAS MAILED BACK TO HEADQUARTERS IN UTAH MONTHS AGO AND THEY STILL BILL ME {$4.00} A MONTH FOR A CARD THAT DOES NOT EXIST, EXTORTION FROM CAPITAL ONE - FORCING TO PAY FOR PURCHASE NEVER MADE. 
CRIMINALS - THIS COMPANY HATES PEOPLE NEVER EVER GET A CAPITAL ONE VISA CARD 15 YEARS OF LOYAL PAYMENTS NEVER EVER LATE SINCE GOT HACKED - NOTHING BUT PROBLEMS - SINCE GOT HACKED CARD WAS MAILED BACK TO HEADQUARTERS IN UTAH MONTHS AGO AND THEY STILL BILL ME {$4.00} A MONTH FOR A CARD THAT DOES NOT EXIST,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Synovus Bank
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
SirCan you please help with this problem. It should be easy to fix but since I cant communicate with this company makes it hard. Im sure they set it up this way to save money. 

I obtained a secured credit card from first progress for {$300.00}. The problem is XXXX credits are posted on XX/XX/XXXX and XX/XX/XXXX however they are not credited or deducted from balance, see file. Now they also want late fees. 

All the numbers I call or can find online either dont work or they have no idea. 

on card says first progress issued by Synovus Bank XXXX XXXX. Cant talk to a humanIve also called other numbers. 
I wrote them month ago no reply. 
This is a real stupid setup by this company. Please help as i am worried they are now going to show this as late account etc.. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My father passed away and had a Bank of America Checking and Savings account that was " POD '' payable on death for myself and my sister. I went to the Bank of America Branch at XXXX XXXX XXXX XXXX in XXXX and give them a copy of the death certificate and the last bank statement. The person there said " we will contact you by mail. 2 weeks past and I did not get anything in the mail. I went back to the branch and asked when I am going to be contacted? They said they did not know and said " to wait longer. '' They also refused to give me any current information about the account, such as balance etc. I asked where the people are who are going to contact me and they said " they did not know. maybe in Texas or XXXX XXXX ... '' Another week went by and I went back to the branch. They gave me a phone number and a " reference number. '' I called it and was switched to a stock broker at XXXX XXXX named XXXX XXXX. There was a investment account associated with the checking and savings account, however I was previously told by Bank of America staff that : " the checking and saving account POD only applied to those accounts and not the brokerage account. I still have not gotten my share of the balance from the checking and savings account. Bank of America has yet to " contact me by mail. '' I can not get any documents relating what was set-up by my father, or the relationship of the Bank of America accounts, the Merrill Lynch account, Another bank where my father had an account paid the POD account within 5 days of the presentation of the death certificate. Bank of America has deliberately delayed paying the POD savings and bank accounts, and has had conflicting information on the accounts and the processing of my request. This involves both a checking and savings account at B of A.

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 2021-01-13
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are DEPT OF ED/XXXX, DPT ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX,XX/XX/XXXXXXXX XXXX # XXXX,XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I received a student loan from then XXXX XXXX now Navient back in the early 2000 's for XXXX school for {$16000.00}. Over the years I have been through ups and downs, marriage, XXXX kids and job loss. I have begged Navient to let me lower my payment, they always said I did n't qualify. When I could no longer make the payment they started hounding my mother who was my cosigner and told her if she did n't make the payments and bring the loan current they would put a lien on her house. They have hatrrassed and scared us into making payments we can not afford. My mother and I are now both unemployed and Navient is still telling us we do not qualify for cosigner release or lower monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following account is not mine JPMCB CARD Account Number :  XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
southwest credit systems called my number ( XXXX ) which is on the US National DNC list to collect a debt which is for someone I have never heard of. The caller refused to supply a phone number which I could call to have my number removed from their calling lists or added to their company do not call list. He would only state the name of the company and that it was headquartered in XXXX, TX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2020-03-19
Company: ALLY FINANCIAL INC.
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Moved to XXXX on XXXX and notified Ally Auto about move, Ally then improperly applied 10.25 % taxes to our bill even though the lease was initiated in XXXX and per the definition of a " retail sale '' the tax does not apply to : " Sales of tangible personal property which property was purchased or acquired by a nonresident prior to coming into the District and establishing or maintaining a temporary or permanent residence in the District. As used in this subsection, the word residence means a place in which to reside and does not mean domicile. '' The sale is determined when initial possession took place at the beginning of the lease : " Sale and selling mean any transaction whereby title or possession, or both, of tangible personal property is or is to be transferred by any means whatsoever, including rental, lease, license, or right to reproduce or use, for a consideration, by a vendor to a purchaser, or any transaction whereby services subject to tax under this chapter are rendered for consideration or are sold to any purchaser by any vendor, and shall include, but not be limited to, any sale at retail as defined in this chapter. Such consideration may be either in the form of a price in money, rights, or property, or by exchange or barter, and may be payable immediately, in the future, or by installments. ''

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 2020-03-19
Company: SLM CORPORATION
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following account is not mine SALLIE MAE Account Number : XXXX**** Please remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is listed on each of my reports as a collection/chargeoff. I immediately disputed thisinformation with XXXX, XXXX and TransUnion and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX did not respond to demand letter FCRA 623 ( b ) for violations of the FCRA and did not remove the adverse account from my report.

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 2021-01-13
Company: Genesis Lending
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I can't close my XXXX  XXXX  because the customer service line does not authenticate my information and provides no other recourse. This card has a annual fee of {$99.00} which I will be charged soon. 

Specifically it is a automatic system that asks for your 16 digit account number and then the last 4 of your social security number. The system does not accept my information and the company does not provide any other means to contact them other then by postal mail or fax. 

XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-01-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The bank imposed early payment penalty fee in violation of the loan 's terms. 
Specifically, the terms specifies that " [ consumer ] agree to pay a prepayment charge if this loan is paid off prior to the final scheduled due date ''. I, the consumer, made early, large payment but did not pay if off totally, as the total amount financed plus all fees and interest, is still larger than my overall payment amount. The bank, however, imposed early payment penalty fee on XX/XX/2014. Following the terms of my installment loan, if the bank considers the aforementioned loan is " paid off '', then I should receive my car title and the loan should be closed. However, I was charged an early payment penalty fee. I have contacted with the bank ( case # XXXX ) several times but the bank refused to follow their loan terms. Therefore, I would like Bureau of Consumer Financial Protection 's assistance in reaching an appropriate solution with the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-22
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient is charging me exorbitant late fees and are paid back by spreading my payments to the late fees only. The prinicpal and interest of the loans are accumulating. As well as the penalties and late fees as I am in repayment. They currently want the whole loan paid in full and will not take less. I make payments but they still report negatively on my credit score impacting my ability to finance. I was defaulted on my loans before I even graduated XXXX. So once I graduated, XX/XX/XXXX, I was in default for non payment of loans whilst still obtaining my higher education. My loans on my credit report state that they stem from XX/XX/XXXX which is a major discrepancy as the loans stem from XX/XX/XXXX-XX/XX/XXXX. They are not reporting on my credit report properly and when I contact them I am hung up on and no return calls are made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I bought my home is XX/XX/XXXX for {$130000.00} with full intentions of living in my home forever, especially since it was in the great location of family and had been in the area for very long time, it was my dream home that came true for me and my children. I Fell behind in XX/XX/XXXX after XXXX XXXX that caused a finicial Hardship, I lost {$13000.00} income that year ( XXXX a month loss ). I Have attempted since XX/XX/XXXX to get HAMP, HARP HIT ... After jumping through hoops with Bank Of America and getting turned downed mulitiple times after submitting paperwork multiple times and being told that my INVESTOR type was the reason I did not qualify for any programs of relief. Although my house value had dropped and I was " under water '', I was being told that I did not qualify for any help. So, I Hired an attorney in XX/XX/XXXX for {$2000.00}. which instructed me to continue working with BOA submitting documents and making numerous calls. BOA sent me letters stating my Investor names. I recieved XXXX lettes with XXXX different investor names on my mortgage. I am now three years into this and the wieght of this has effected my health and overall lifestyle as my future is unknown. My home has become a prison. With the cost of repairs and unknown future, I looked into selling my home, but considering I owe three times more than my home is worth today, that is not an option. Now I am facing Foreclosure however, I am being told that I will be taxed for any debt cancelation amount. And in the end loss my once beloved home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Although we initially applied for a home loan modification with h Bank of America over two years ago, we have never closed. They continue to jack us around. Do we have any recourse?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation