BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO report shows that I 've made 100 % of my payments on time in the last 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, I defaulted on my private loans with XXXX XXXX which is now Navient in XX/XX/XXXX and they were charged off on my credit. The loans were then sent to XXXX. The law firm, XXXX magistrate court, and I came to a judgment that I will pay $ XXXX month towards the loan with no interest or attorney fees included XX/XX/XXXX. 
I have never missed a payment on this judgment since created. However, Navient reports every year a new charge off charge to my credit report and does not reflect my current payment history. Also, they are continuously adding interest to my loans which the court order clearly states no interest included in the balance. 
I am in the process of purchasing home most recently as XX/XX/XXXX Navient has reported missed payment and charge off negatively to my credit report. When I am in good standing with XXXX/collection agency. This impacted my credit score by XXXX points. 
This practice has to illegal and unfair. The charge off should be a one-time occurrence not a continual monthly occurrence if the judgment is being meet by the courts. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: AUTOMOTIVE CREDIT 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 information incorrect

Complaint:
I previously submitted disputes ask you asking for investigations into automotive credit company account # XXXX, XXXX and XXXX. Reason being I hope three accounts with them but they have reported negative payments on falsely and secondly have not reported any sort of data or update on the accounts with any of the three bureaus since XXXX. Automotive credit has come back saying that there was an issue in their software and because of that they could not report to XXXX. Even if that was the case they havent updated or reported to ANY of the bureaus and so my credit rating has been tarnished because of it. and it has held me back from obtaining credit and growing my company. 

I request at this company be investigated and looked into the fraudulent practices that are harming me, probably thousands of others, and might be subject to a Civil dispute at this point. Im almost certain the reason they havent updated this or made the corrections is because it probably cost them money to report the corrections and updates to the credit bureaus. I have attached previous complaint, response and also the account history showing that payments are actually paid up through the month of XXXX so far

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 2016-02-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Negotiator advised several weeks ago that the variance on the value was still pending. After multiple attempts to contact the negotiator, we have not received any communications back. We have even reached out to HUD ourselves but still have no response to the status of the file and what is causing the delay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I made an extra payment online through Navient Corporation online bill pay for the amount of {$10000.00} for which I had designated all to go to the principal. Instead Navient Corporation took the majority of my payment ( {$8200.00} ) and rerouted it to my accrued interest. The remaining amount ( {$1700.00} ) was applied to my principal. I contacted Navient about this issue shortly after XX/XX/2014, I was told the online bill pay system allocates the distribution of payment, regardless of how the payor designates payment. Therefore it was projected to me as if this was final and I could not redistribute may payment as it was already processed. This was very frustrating and made me feel at loss. I was living on a limited income with a very large loan amount. My total student loan amount is currently {$210000.00} with an interest rate of 6.8 %. My credit score has taken a hit because I had difficulty making some payments after I had paid such a large amount in hopes of reducing my monthly payments but to no avail my monthly payments continued rise. These practices make it impossible to payoff loans, it makes well intentioned individuals lose hope in paying their loans off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
In XXXX XXXX, 2016, the bank of America inserted a 'online reply expired ' document in the message center, of my eligible claim.

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 2015-11-15
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Multiple violations of the TITLE VIII - DEBT COLLECTION PRACTICES espespecially sections 805, 806, 808 and 816.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
My loan was sold by XXXX to Caliber. I called in to make arrangements. XXXX/XXXX/15 I made the arrangement with a representative who told me I would be sent a letter to agree to and sign to get the deal going ... .I never recieved a letter to sign, however I did recieve a letter XXXX the wrong dates and amounts I had agreed to. the letter said the money was due on XXXX XXXX or I would be in default and the amount due is incorrect ... .. 
In the meantime my wife is handling all the business of the loan, altho the loan is in my name, I sent a letter of authorization on XXXX XXXX, 2015, They have not uploaded it as of yet and they refuse to speak to my ; wife, I was unavailable to give them verbal authorization and was sure of the fact that I had sent the authorization and they would speak to her. they told me that the letter of authorization was there but has n't been uploaded yet so they wo n't speak to her, allowing us to clear up the situation ... the letter threatens me with default if the money is n't in on XXXX. XXXX, but that was not our agreement ... ... .I will be penalized because of the inefficency of the company that holds my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I was in a accident and fell behind on my finances due to doctors bills and extra travel I then joined a debt consolidation company to help lower payments and get paid off the payments will start XXXX XXXX and these people keep trying to charge my checking acct causing overdraft charges to increase debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is reporting late payments on my account to the credit bureau. The first late payment was in XXXX XXXX, it is XXXX XXXX, XXXX and they should be removed. According to the Fair Credit Reporting Act " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. ''

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 2020-10-06
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was trying to get credit for my new business & was denied due to a public record.. wrongfully on my credit profile ... I reach out to credit bureau asking for it to be remove ... explaining how its affecting me. I reach out to the court house explaining its not accurate. The court clerk responded an said they dont report to credit bureaus and also sent me a letter stating the facts ... I reach out to the credit bureaus once again only to be in the same situation not able to start my business due to inaccurate reporting on my credit file ... thanks Im asking for help about this matter. 
Thanks in advance, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/XXXX, I initiated 3 deposits of XXXX each, after that everything went great. In XX/XX/XXXX, I received a letter via email saying that my account was closed since I violated the terms of deposit since the limit was only XXXX, I understand and I have no problem with this but i need my money right away since we are no doing business anymore. In XX/XX/XXXX, I received 3 emails regarding the 3 deposits, saying that my funds have now deposited and available. Since that day I have try to contact Current bank more that 6 times, each of them unsuccessful, since they block my account I have no other option to talk to them but via email and they dont respond, still today Monday XXXX they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This has been an ongoing process, but, we have a mortgage with Flagstar that we fell behind on in XXXX. After a modification nightmare, we finally had it modified and brought current in XXXX XXXX. I had made some payments that had bounced out of my checking account. Some of those payments were my fault, with not having my checking balanced correctly, and some were not, such as multiple payments on the same day being made. Anyway, on XXXX XXXX, XXXX, we were due for XXXX, XXXX, with XXXX being due by the end of the month. I made XXXX 's payment on XXXX 1. I was in contact with XXXX XXXX from Flagstar 's contracted mortgage servicing company in XXXX, and told him when I would be able to catch all of it up, before the end of XXXX XXXX. On XXXX XXXX, Flagstar had reversed all of my payments that had cleared my checking from checking dating back to XXXX XXXX, XXXX. They also reversed some of the payments 2 times. This had brought me back to XXXX XXXX, owing, when this was not correct. I have been trying to work with XXXX XXXX, and his supervisor XXXX, for almost 3 and half weeks, with no progress. Bank statements have been sent, and the cashiering department at Flagstar still says that it is still past due to XXXX XXXX. I have made a payment in XXXX, and still do not know where this has been applied. I made another payment by XXXX XXXX, and thought it was applied, only to find out a week later that it was returned. We are at a loss, since I am only able to speak to those XXXX people. 
Here are the dates and the amounts that were reversed, which should not have been, because they have cleared my account. I have also included the date that it had cleared my account. 

XXXX {$1200.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} Cleared XXXX XXXX, XXXX This should bring me to being due for XXXX, XXXX and XXXX. I have tried to make the XXXX and XXXX payments and those were not accepted. I still have the funds for them. 

None of these funds were credited back to my checking accounts, and they are not letting me know where they have been applied to.

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 2022-05-24
Company: Porsche Financial Services, Inc.
State: FL
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:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

Porsche Financial SRVC, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I got a divorce in XXXX, I was unable to afford my mortgage. I applied for a program called making homes affordable and was accepted. All documents needed where returned to Bank of America as requested multiple time before the deadline as requested. Multiple loan document packages where sent and returned as many as XXXX. I was told my ex-husband did not need to sign the documents as long as I sent a copy of the divorce and property settlement as well and the deed, all of this was sent to Bank of America, but the packages kept getting rejected because my ex-husband had not signed, so with great difficulty I got my ex-husband to sign the papers, but low and behold the documents were allowed to expire by Bank of America. I had to get him to sign the documents three more times after that. Finally XX/XX/XXXX my loan entered an normal loan status. I was notified by Bank of America that all was complete. I was also told after six months this should reflect as a normal loan status on my credit, which would have been in XX/XX/XXXX. I thought all was finally resolved. I recently tried to refinance my loan in just my name and was told that my loan is being reported as making partial payments and not in a normal loan status. I contacted Bank of America and now they are saying they need another loan packet agreement, that the loan is not in a permanent loan status.This has been going on for five years now. They have also been sending me conflicting tax statements for the last four years. This program by XXXX was meant to help people not hurt people. Please help me resolve this issue that is ruining my credit. Also there was an incentive of XXXX dollars per year for every year you make your payments on time. I have never received any incentive payment. All of this must be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My income sensitive payments were stopped without warning. I did n't have a chance to contest this and had to pay several months of a much higher payment until I could finally get another income sensitive rate. I was also told I can not defer my payments even though I am unemployed. Communication from Navient is poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Colony Brands, Inc.
State: TX
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:
When I had my credit check and found out that this was on my credit and saw the amount and called seven ave to see what I owe and was told I still owe {$200.00} dollars and I said how 's that if I only bought XXXX cameras from you that cost {$99.00} each and I already paid a total of {$150.00} dollars XXXX payment given XXXX of {$50.00} and {$100.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I borrowed from XXXX/Naviant back in XX/XX/2011 and have since graduated. I am a XXXX with a XXXX and a husband who works part time so we can avoid paying child care. We live pay check to pay check and I have called Naviant who asks for XXXX $ so dollars from me each month to get an income based plan and have been told no. They put me in forbearance and have killed my credit. They have made me intimidated to call and make me feel like they could care less if I am struggling to pay. I do n't know what to do anymore and continue to go in forbearance because this is the solution they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I lost my job in XX/XX/XXXX so I 've been working as a Temp until the XXXX. I bank with Bank of America My loan # is XXXX. I really struggled with my mortgage payment. I first applied for modification in XXXX. Nothing happen. The temp service placed me in a job paying a little more I was able to catch up. So that job ended in XX/XX/XXXX. The next job paid a lot less so I struggled again. So in XXXX I applied again for Modification talk with rep went over paper work filled out package did n't hear anything called in XXXX had to reapply again same paperwork. So I called XXXX and did the same paperwork again. Now it 's theXXXX and I have n't receive paperwork to fill out. I 'm a 4 or 5 months behind on my payments. I did receive a coupon to pay XXXX for XXXX payment when I was paying XXXX I asked my self how do I pay more when I 'm trying to get it lowered. My name is XXXX like I stated I have a new job that 's paying me 3 dollars more an hour. Were I was only making XXXX an hour. I would like to save my home. I just stared my new job so I will get a full pay check but I had to not take taxes out in order to pay my mortgage payment which will be late because I ca n't pay until the XXXX when I get paid. I 'm so stressed not knowing if they are going to help or not. I had a modification that ended in XX/XX/XXXX. Question can you only have one Modification in a life time? Maybe I 'm missing something. Please help! Thanks

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 2016-10-26
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Lately I 've been receiving messages for XXXX XXXX and XXXX from TD Auto Finance. I called back and each time I called the number back the phone ring one time. Eventually I went online and got a contact number and I answered questions and reported that I do not have a account number or have any business with this company, and yet I am receiving messages for XXXX and XXXX XXXX ; I was told that it was a mistaken call and my home number would be removed. 
Several days later TD Auto Finance called again and asked for XXXX XXXX and I said, " you have the wrong number. '' Then I was asked do I know a XXXX which quickly annoyed me because I do all the financial paperwork for my family and the cars that we have were never financed with TD Auto Finance. 
Its really a concern to me when I gave this company factual information and had to demand that they do not call my home number again. 
I do n't know they purposes for calling, I 'm not XXXX. This situation became ugly in no time because when you have the wrong number it 's wrong!!! I also warned this company that if I get another call that I was going to contact the Bureau of Consumer Financial Protection ; and well that did n't help because I still getting calls from a XXXX XXXX XXXX at TD Auto Finance. 
Please help me in this matter and my patience are now thin and I know that it not good for my health. Any thing you do I would be so graceful. Thank you all for understanding.

Company response to consumer: Closed with non-monetary relief