BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Hi, I am unable to receive my credit report online, and this is preventing me from applying to credit cards or viewing reports online. I received the credit report in the mail, with report # XXXX, but even trying to access this report online results in errors. I am unable to upload my verification information online. I have sent via XXXX the same information to Experian, but have received no response. 
When I try to access the report online at the following url ( XXXX, which re-directs to XXXX ), I am still unable to access my online report either through the top option-Access By Report Number, or the bottom option-Access by Personal Information. I am still unable to access my credit report online. I am more than happy to provide the information ( attached to the cfpb dispute ), or via experian.com/upload, but I receive the same error on all sites ( attached as a new attachment ).

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 2015-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My title report is showing a {$42000.00} XXXX lien under the name of Bank of America. This loan was paid off more than XXXX years ago. I am now trying to refinance and need this paid off lien reconveyed immediately. I also demand that I be paid the {$500.00} penalty due to me under CAL. CIV. CODE 2941 : California Code - Section 2941 : d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX hundred dollars ( {$500.00} ). -My damages will far exceed the {$500.00} you must pay me now, if my refinance is in any way delayed or does not take place as a result of Bank of America 's error in failing to reconvey title timely. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Southwest Credit Systems, L.P.
State: MA
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:
My credit report from XXXX has a collecting debt which does not belong to me I disputed in XXXX but the debt collector state that they have a bill with a similar name company XXXX, I have never any account with XXXX and my current resident for the last 10 years is XXXX XXXX XXXX XXXX. XXXX MA, XXXX. 

I do not have any debt with any company my credit report always has been excellent, either someone stole my name or my social security or both. 

Please help me to restore my credit by investigating this collection. 
southwest credit systems account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a credit card with Old Navy, where my credit limit was {$800.00}. In 2021, I made a purchase in XXXX and XXXX. I just looked at my credit report and see that they decreased my limit from {$800.00} to {$200.00}. I have always paid my bill on time, and over the minimum amount. It should not matter that my overall score went down, when that has not affected my payments at all. In fact, my score went down because they decreased my limit. I called Synchrony, and they were not helpful and would not reinstate the previous credit limit.

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 2015-06-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am a victim of identity theft and fraud. I attempted opted out of pre-screening on the XXXX of XXXX, and suddenly I could not gain access to Experian to check my credit report. I tried to open an account with creditchecktotal to see all of my credit reports and was not allowed to do so. I then attempted to see all XXXX reports on XXXX 's paid credit monitoring service that I pay for each month, and once again I was not allowed to view a tri-merged report. I contacted Experian and was told that my social security number has an alert on it and I will not be able to access, view, or dispute any items on my credit report from Experian. When I inquired as to how long I was told that there was no answer that could be given to me. I have been locked out of my account for 3 weeks now with no method of relief or appeal to dispute financially impacting negative items and inaccurate information on my credit report..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have both private and federal loans with Navient. I went to the University XXXX in XXXX, CT. The last time I was in contact with Navient, they asked if I agreed to an autodialer contacting me if/when necessary. I said yes. They have been abusing this and just within the past 72 hours have called my cell phone over 10 times ; 5 of the times within an 8 hour period. The have also called me on the weekends ( both Saturday and Sunday ) after XXXX. Just because I agreed to letting them call me does not mean they should be able to abuse the system like this. I also do not make enough income to be able to pay the amount they were asking. They were very difficult to work with on this and said that the Rate Reduction Program is a " step '' program where every time I renew it the $ $ amount increases. 

Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Hello, Im writing to express the difficult transition in the transfer of my private student loan from XXXX to FirstMark Services. I have been paying this account since XX/XX/XXXX, without falling behind on my payments. I had been using an online account to make these payments. As of XX/XX/XXXX my loan was no longer being serviced by XXXX, which I just found out XX/XX/XXXX and immediately paid the entire amount past due. 

During this transition I never spoke with either party that this was happening. Never receiving anything in the mail or by phone. I did search and find several emails from FirstMark services in my junk folder after I had discovered there was a transfer. The website I had been using to make payments ( XXXX ) has/had no messages informing me of this transition. I discovered what had transpired by contacting XXXX on the phone because I have been unable to make payments via website or automated phone system. When trying to make payments on the account it displayed there is no minimum payments due. I should have called sooner to investigate the disapearance of my loan, and for a few months I just assumed that I was ahead of my payment schedule which is why there was no minimum due. 

After calling around finding the new location of my loan I was informed that I was only days away from defaulting on a $ XXXX/month loan that I 've never missed payment on prior to this transition. 

I hope there is someway to fight the late payments filed to creditors since I work very hard to my debts and maintain a healthy credit score. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: PA
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:
DISPUTED 3 items with Equifax Credit Reporting Agency and they failed to provide the information on file concerning the disputed accounts pursuant to section 609 of the fair credit reporting act..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The person who owes the debt is in the hospital on a XXXX  with XXXX  and not expected to survive but i have told them this but they call about 10 times a day every single day of the week. i block every number they call but have called from about 35 different numbers. they have been calling for about 6 months since i have been here for my family member suffering from XXXX. they call all day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The vehicle was repossessed by XXXX XXXX XXXX XXXX, I paid the XXXX dollars via XXXX XXXX  refference number XXXX and when I attempted to call in with the necessary info I spent an hour and a half on hold until they closed, now they will sell my truck and keep my XXXX I don't think that credit acceptance should get away with this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I applied for direct consolidation loans under Navient using the Dept of Education student loan website which linked to my 2015 IRS. I received confirmation that my direct consolidation loan requests with Navient were received with estimated payments under the REPAYE program ( which I also submitted the documents to apply for REPAYE ) of approximate {$220.00}. Despite confirming the processing of everything, confirming the accuracy of the information and receiving the paperwork with the REPAYE estimated amount, I now have a bill of {$1200.00} which is not based on the REPAYE amount. Further, my private loans under Navient with the standard payment of approximately {$720.00} now shows {$0.00} due, which would be great, if it were correct. In the end, my monthly student loan from Navient should be approximately {$950.00} not {$1200.00}. This is ridiculous, I had to call them so many times to confirm everything was received and processing correctly. Their practices are unfair and deceptive as they do not properly process the loan terms and put the consumer at risk of significant credit and financial harm. I can barely make {$950.00} and can not pay {$1200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
As of XX/XX/XXXX I sent a certified letter to Midland Fund requesting validation of a debt {$500.00}, Requesting details 1-6 requesting validation. 

XX/XX/XXXX Midland Fund responding stating They were uncertain of what I was disputing, requesting a written explanation and documentation demonstrating any errors. 

XX/XX/XXXX I responded with another certified letter requesting a validation, requesting details. I have yet to received a response validating this account belongs to me. 

This account is still reporting on my credit report and showing negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC Bank is preventing a 3rd party account making authorized withdrawals from my checking account. I have an investment account with XXXX  Investments that has been acknowledged and accepted by PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX  days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

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 2022-04-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Was overcharged for vehicle with unfair and deceptive and predatory lending tactics. Was given an APR rate which exceeds the legal state limit. Contract was not explained to me nor was I aware that I was paying hidden fees which sent me into debt.

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 2015-09-04
Company: Global Credit & Collection Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received XXXX calls from XXXX XXXX XXXX XXXX XXXX the morning of XXXX. I could not answer the phone as I was at work. They left XXXX voicemail msg. Before I could call them back, they called XXXX of my sons, the person calling left his name, the name of the company XXXX Global Credit XXXX and that he was called regarding MY debt! He left my son with his contact information. My son is XXXX yrs old. Even if he was XXXX, Global Credit broke the law by discussing the issue with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, 2015 my mother passed away. She and I both had several account together at Bank of America. Because of my mother 's declining condition, on XXXX XXXX, 2015 I made a transfer into her account in the amount of {$10000.00} to pay for the upcoming funeral services. Prior to me notifying the bank of her death, the bank froze her accounts XXXX XXXX, 2015 without notification. When I went to write a check for the funeral home services the account was blocked. I have sent in numerous documents to the bank to close the account, however they have sent me numerous requests for duplicate items including the XXXX which I completed XXXX times with their Bank Rep. XXXX XXXX, in the XXXX, NJ branch. I received letters from Bank of America requesting letters of Testamentary which I submitted XXXX times. I submitted a copy of the my mother 's will after they threatened to not close the account and after my attorney advised me against submitting a copy of the will. I have called the Estate Department ( XXXX ) and spoken to over XXXX people, I have their names and date and time I spoke with each person. Each person claims to be either the Supervisor or give me a fake number or name to a supervisor. No one knows the actual status of the account. Several have told me everything was received and a check would be mailed. Then a few days later I receive another letter requesting duplicate information. Please help! I need to finish paying my mother 's past bills and Bank of America has been a nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: SC
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:
I originally got a {$16000.00} from XXXX XXXX and over the past 10 years I paid back {$39000.00}. My loan was turned over to Navient and they are telling me I still owe {$19000.00}. They have hurt my credit and my co-signers credit. I hired a lawyer and they refused to talk with him and they continue to harass me and my co-signer. I do n't think they have been honest about all the payments and interest I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: OneMain Finance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 One main Financial pulled a hard inquiry in XXXX  and XXXX Credit Bureau by sending a email offer to me. The email have a box saying Lets do it and I clicked just to check what was that about it and accidentally scrolled my phone screen and clicked in a box which was saying submit loan application and immediately I received 2 notifications of XXXX  and XXXX  saying the One Main Financial pulled my credit and I got a hard inquiry. I called to One Main Financial and explained what happened and they said They do not do anything about that on the phone and I have to send a letter to then and I did so after the 30 days by law to that respond me Ingot a letter saying the hard inquiry was legitimate and they do not will remove the hard inquiry from my credit then I sant another letter to One Main Financial saying to remove it from my credit bureau or I will sue the One Main Financial but after 30 days They did not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: DC
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:
As by Law, under 15 U.S Code 1601-  Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 non-monetary relief
Consumer complaint received 2017-02-02
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a call and was not able to answer at the time. The company left a voicemail stating that they are a debt collector and that was the reason for the call. It is a violation of privacy as others heard the voicemail, as well as humiliating for my co-workers heard. It is none of their business and now everyone is aware I have a debt in collections. I have never spoken witht his company previously regarding the debt, ( I assume they just received the account ). There was no attempt to verify my identity before leaving a voicemail that completely violated my private information/debt owed. My complete humiliation could have been avoided if they had left a generic voicemail for me to return the call, then discussed the debt upon my returned call to ensure the chance for me to discuss the matter privately and not publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an active complaint ( Claim # XXXX ) with Bank of America and have discovered from their internal messaging that the claim has been paid ( {$3500.00} ) however only about a third has been paid.. 

Yes, I get COVID # Fakedemic has slowed things down ; but I've not had access to this $ $ for 4 months!! Now they claim to have paid, but not even claose to the amount taken from my account.

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 2021-12-27
Company: Experian Information Solutions Inc.
State: OK
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 XXXX XXXX mailed Experian a notorized affidavit along with my dispute. I sent it to them via certified maid by the us postal service. It has been more than 30 days and no response. By law they need to remove all the negative items i listed im the dispute. I will not keep allowing Experian to violate my consumer rights. They are ignoring me and wilfully and knowingly violating my rights as a consumer.

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