BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Vehicle loan with Fifth Third Bank. I suffered a financial hardship and did a voluntary repossession of the vehicle. Fifth Third Bank sold the vehicle at auction. We then received multiple statements showing our balance was zero. Fifth Third Bank is now trying to collect {$4600.00}. We have disputed multiple times. Not I received notice from XXXX credit that the bank has filed a suit or judgement. 

XXXX/XXXX/2016 XXXX - Suit or Judgment New Suit or Judgment information has been added to or changed on your credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX accounts XXXX account number XXXX and XXXX account number XXXX are over 7 years old. They are legally not allowed on the credit report any longer. However, Experian has kept reporting the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We purchase a ring in XXXX XXXX for the amount of XXXX last XXXX XXXX. The sale representative offered the 3 years no interest. We signed up and we've been paying monthly on the amount that they bill us. XX/XX/XXXX we know were done but we received a bill for XX/XX/XXXX ( this month ), which we know we should be done paying. I check my bill online theres still remaining balance of XXXX and they added finance charge of XXXX on XX/XX/XXXX and another finance charge of XXXX on XX/XX/XXXX. I called the customer service of Comenity, spoke to XXXX and Supervisor XXXX, explained that we were in agreement to pay the full amount for 3 years. But they told me were we just paying the minimum amount thats why we still have remaining balance. I told them I didnt know that it was just the minimum, I told them we just go by what they bill us monthly since its autopay. No one told us that was just the minimum payment and XXXX XXXX XXXX are all closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old XXXX XXXXLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2016-02-06
Company: Navient Solutions, LLC.
State: WI
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:
In XXXX, I tried logging into Navient.com as I have for many years to pay my bill. When I logged in I got a funny message that states : " We 're sorry.Because of your current account status, we 're unable to process your request online. Please call us so we can assist you. '' Every time I call in to Navient they tell me that my account is currently locked out because I am in Bankruptcy. I explain to the representative that my account has not been in Bankruptcy since the beginning of 2011 when my bankruptcy was finalized and that I have been loging in and paying the loan for the past 5+ years. They always tell me they have no idea how any of this has happened and that they can not accept payment. I then get transferred to the United States representatives who apologize profusely and tell me that its a " glitch in the system '' and they have to fill out a form and send it to there IT department to fix which should take 3-5 business days. Its been over a month that this has been going on, it makes it very difficult for me to monitor my account as well as to retrieve my XXXX form since it must be down loaded online. I would like this issue resolved as I have escalated it numerous times to supervisors who say that it will be fixed in 3-5 days but I am still locked out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: Allied Collection Services, Inc. (Nevada)
State: NV
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:
On XX/XX/XXXX I sent a HIPAA letter to XXXX at their address via certified mail. I never received notification of this debt and asked the company to provide me validation of the debt by sending a copy of the contract that I supposedly have with them, my actual signature, and by requesting documentation of how they calculated what I supposedly owed to them. On XX/XX/XXXX I received a letter stating the debt was verified by the creditor with an amount owed and nothing more. As a protected consumer, I have a right to know the information requested for validation. I provided the company the appropriate amount of time and have not received sufficient validation.

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 2020-03-03
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company, Convergent Outsourcing , Inc., sent me a collection letter on a XXXX utility bill that was already paid in full to XXXX for {$160.00}. I called XXXX to verify and they stated that I have a XXXX balance and owe them no money. I also have payment from my accounts and on the XXXX   application which shows no money is owed. This company needs to check their records because they have false information, and no money is owed and I have no outstanding debt with XXXX and owe this debt collector no money. They do not have their records correct and through their letter, on the back, threatens to report this on my credit in 30 days. There is no debt owed, therefore they will be reporting a false debt on my credit.

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 2015-05-19
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My name is XXXX XXXX XXXX and I 'm writing to you because I believe that I XXXX XXXX XXXX XXXX is violating my rights under the FCRA. Approximately three years ago, I pulled my credit report to check for accuracy. The first credit reporting agency that I got report from was XXXX. Upon reviewing my report, I noticed that XXXX XXXX XXXX XXXX had an account in collections on my report. Since I did n't understand why this account would be listed on my report, I immediately disputed the item through XXXX XXXX stating that this account was n't mines. In addition to this, I contacted XXXX XXXX XXXX XXXX to further investigate as to why this account was reporting to me since I never attended their college. While speaking to XXXX XXXX XXXX college billing department, they informed me that this was from registration in 1991. I informed them that I never registered with their college to attend because I was attending XXXX during that time. They said that it did n't matter and that they were not going to make any changes to my account. I started wondering if this was fair since the account was so old and they never place this account in collections until a few years ago. Let me be clear that this is not my account and that I never attended this school and this is not related to any student loan account. I 'm wondering why am I still dealing with account that 's over XXXX years old. I have since disputed this account with XXXX XXXX, XXXX, and XXXX with the same outcome in which XXXX XXXX XXXX XXXX confirms the account and leaves this account on my credit report. I never received any written notification regarding this account in XXXX years and yet it 's on my credit report. I feel as if I 'm a victim of this college violating the fair credit reporting act. I was told the attorney advice to report this school to your agency to try to get some resolution and compensation for XXXX XXXX XXXX violating my rights. Here is an account that 's over XXXX years old and yet every time they validate this leaves this account registering as a negative item on my credit report. 
I am asking at this time for some resolution in resolving this matter. Should you need to speak with me further regarding this matter, you may contact me via phone at XXXX, by e-mail @ XXXXXXXXXXXX or by mail @ XXXX XXXX XXXX XXXX XXXX, Il XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: COMMERCE BANK
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX XXXX XXXX, I had a first mortgage through XXXX at XXXX time that was sold to XXXX XXXX. I paid and was current with XXXX. I had a anytime line with XXXX Mortgage of XXXX through commerce Bank in which I paid down to {$26000.00}. Commerce foreclosed on my second. I had a summons on XXXX/XXXX/2015 which I went appeared to show and let the attorney for Commerce know and see the agreement and the payment that was already accepted. She did not know that my XXXX was with XXXX and that I was current on my XXXX mortgage, neither aware of my agreement to pay back commerce. So she continue the case to XXXX/XXXX/2015 in which I appeared. She told me she had good news and bad news. The good was that commerce was giving me back {$160.00} that I paid on the agreement with XXXX XXXX and the they were going to continue put me out my home and pay off my XXXX. I was devastated and dismayed to hear this. She continued the case until XXXX/XXXX/2015. I went back home to call my XXXX and they told me what they have been telling me for the last 4 months that as long as i was current with my XXXX that they would not allow anyone to purchase my XXXX mortgage. I hung up to access my account with XXXX online to not being able to, so i called XXXX back and while the attendant was helping me she discoverd that my loan was paid off as of XXXX/XXXX/2015. Told me commerce sent payments on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. I immediately contacted the vice president office to say to them what I am writing now. XXXX XXXX told me she would have someone contact me concerning this and that was not how Commerce operates. I get a call from a complaint person who calls me basically to tell me the home has been foreclose and that commerce purchase my XXXX. This process has not been handled correctly and now I am forced to get the media and a attorney involved. I want my home and made every effort in obtaining an agreement with commerce and also keeping my XXXX mortgage in good standing. I am attaching my XXXX mortgage document and agreement I had with XXXX XXXX. I want to resolve this and keep my home

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: CA
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:
On or about XX/XX/2019 I requested a credit freeze while investigation was made over some transactions that appeared on my credit but were not mine. I received the paperwork and everything was going fine until XX/XX/2019. I filed a request to please have my credit freeze temporally lifted from Equifax, XXXX and XXXX. I needed to move from house and my credit needed to be ran. I had no issues with XXXX, they immediately lifted the credit freeze. On XX/XX/2019 I received a notice from Equifax in which it stated that my credit would be temporarily lifted from XX/XX/2019 till XX/XX/2019. However, I have been checking the status everyday since receiving this notice and my credit is was still frozen. XXXX and other creditors have run my credit since, and it still shows as frozen. On XX/XX/2019, I requested or my credit freeze to be removed permanently due to the whole situation. On XX/XX/2019 I received a notice from Equifax stating once again my request was granted. However, till this day anywhere my credit is ran Equifax and XXXX has no credit or score. I have tried numerous times to contact them on the phone and by mail but have not received any response, the customer service has had no resolution for me and hang up when a hey don't have an answer for me. I don't understand why this is happening. 
I need to move from home and I need my credit to be available as soon as possible, thank you. 

P.S all documents requested by Equifax have been submitted, this includes CA drivers license, SSN, W-2 forms, Utility Bills, ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Direct Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX if you are not. This is a confidential message for if you are not you must take up now. Hello. I'm not sure we had put a hold of your matter at your request, and that is a good thing, but it has expired. So you must call XXXX. I will be available today until XXXX XXXX. XXXX. We do need to follow up or unfortunately, the matter will be taken out of our hands to pay online. Go to XXXX XXXX XXXX XXXX, and click on the pay now link bank account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: CCS Financial Services, Inc.
State: AZ
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 I spoke with someone from XXXX regarding an dispute I had submitted to them on XX/XX/XXXX. During the conversation on XX/XX/XXXX, I was informed that the dispute was being granted in my favor and they agreed to send a notification to the debt collection company to remove the account from my credit. They informed me that they send these communications out on Saturday 's, which meant that they would send the communication on XX/XX/XXXX. I looked on my XXXX XXXX account and noticed that the balance had been updated to zero, and marked as " closed. '' I contacted XXXX on XX/XX/XXXX because I was told that it would be removed from my credit. They stated that they had sent that communication on XX/XX/XXXX and that it should have been resolved. I contacted the debt collection agency ( Credit Collection Services XXXX ) and informed them of the situation and asked that it be updated correctly, they stated that the debt was valid and that it was being reported correctly. They stated that they would communicate with XXXX and request for clarification. They did not follow up with me with the outcome of their communication. I checked my XXXX XXXX app on XX/XX/XXXX and there still had not been any updates/changes to it being reported. I communicated with XXXX again today ( XX/XX/XXXX ) and the representative agreed to send me the e-mail that was sent to Credit Collection Services two times prior ( and they said that they would request to send it again ). I called Credit Collection Services and explained the situation again, informed them of the documentation I had, they said I could send it in but offered no other resolution. As they requested, I sent them the e-mail and a copy of the Explanation of Benefits ( that shows I had {$0.00} patient responsibility ) to them by fax to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: NC
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:
My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2016-02-04
Company: Comerica
State: TX
Product: Credit card
Issue: Other

Complaint:
I WENT ON XX/XX/2016 TO THE ATM MACHINE IN XXXX TX AND I RECIEVE FROM SOCIAL SECURITY {$750.00} A MONTH THE ATM LET ME DO ONE TRANACTION ON MY CARD WHICH COST ME {$300.00} I TRIED TO DO ANOTHER TRANACTION ON MY CARD AND THE ATM DENIED THE TRANSACTION WHEN I GOT HOME I CHECKED MY CARD AGAIN ALL I HAD ON IT WAS {$150.00} LEFT ON MY CARD. WHEN IT SHOULD HAVE BEEN CLOSE TO {$300.00} LEFT OVER FOR A TOTAL OF {$450.00}. ALL I WANT IS THE REST OF MY MONEY FROM DIRECT EXPRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: Stellar Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX agreed to settle the alleged debt in arbitration two years ago. Now, Stellar has come along and is attempting to collect the debt that was settled with XXXX. 

Stellar is # XXXX for most complaints, and really should be investigated and fined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My taxes increased roughly {$1300.00}. I was not aware but I do not dispute the increase. The mortgage paid the taxes and increased the debt in my escrow. They increased my monthly payment from {$740.00} to {$1100.00}. Clearly a {$390.00} increase to my payment far exceeds the increase in my taxes so I eventually got a hold of a human at Lakeview Loan and she agreed and started a re-balance calculation process for my escrow and she committed to a response within a week. That all began on XX/XX/XXXX and still no resolution. Mean while my auto payment is still being made at {$740.00} and I have been assessed roughly {$100.00} in late fees. 

This is investment property and I plan to pay the escrow off and put excess in the account. This mortgage company has not responded and I remain in limbo with my only option to pay this ridiculously excessive monthly amount. I have never had such difficulty with any agency. I call them and wait for roughly 10 minutes just to leave my call back number to which they never make.

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 2021-01-19
Company: SB Holdings, Inc.
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a loan from XXXX XXXX for XXXX XXXX in the amount of {$2400.00}. First payment was due on XX/XX/XXXX in the amount of XXXX. I received a payment invoice an made the first payment on XX/XX/XXXX. However, I have not received any invoices or payment coupons for the rest of the payments. I called XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and asked about the payment coupons. I was told the coupon book was mailed to me on XX/XX/XXXX but the post office is 2 months behind in delivering mail. I made the XX/XX/XXXX payment by mailing directly to XXXX without a coupon. I asked to have a new coupon book mailed to me by overnight mail but was told that could not be done. I asked to speak to a manager but was put on hold and no one answered the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: Westlake Services, LLC
State: TX
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:
I submitted a request for account to be removed bc the account in question was on a vehicle that my ex wife obtained through divorce and defaulted on Loan. The payment info was updated but account was not removed. I then contacted the company about 4 months later on their credit dispute email and didn't receive any correspondence from the creditor.

Company response to consumer: Closed with explanation