BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to Midland Credit Management about a collection they put on my report via certified mail on XX/XX/2022. I sent a verification/dispute letter. I have yet to receive any response from Midland Credit management to this date. I also sent a copy of the original verification/dispute letter to XXXX via certified mail on XX/XX/2022 with a copy of the original certified mail receipt. They continue to report these inaccuracies on my credit profile. Also Im still yet to receive a response from the creditor in any form. Please assist me with getting this account removed/deleted. I feel this is an illegal practice on there end and they are violating federal and state law. Per Iowa law the creditor has a 30 day window to respond to my dispute. They have failed to do so in 2 separate dispute encounters which resulted in the removal of the account. This account out of the statute of limitations for reporting, I recently checked my profile and they have added the account back to my credit file for a second time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06
Company: Peoples Commerce Inc
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I was charged {$14000.00} for a {$3000.00} vehicle with a payment of {$410.00} per month. Also, I under paid a payment by {$19.00} and have been constantly harassed and threatened by XXXX XXXX  and peoples commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello, I received private loans in total of about XXXX from XXXX. I pay my monthly bill, which ranges from XXXX dollars over the decade. Majority of my pay goes to interest, so if i pay XXXX, XXXX goes to interest and only XXXX goes to principal. 10 years later, i now owe XXXX. There is no end in sight. This does not seem right and they will not reduce my payments or interests to help me pay off my debt. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: GA
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:
Navient is reporting late payments on my credit reports from XXXX-XXXX. At this time I was on an unemployment deferement & then a forbearance. I 've spoken to several representatives & most recently XXXX ( supervisor ) trying to get this issue resolved. All have verified that I was indeed deferred at this time but will not remove the inaccurate information. I 'm trying to buy a house & these marks are preventing that from happening. Please please help me get this issue resolved. I 've disputed on several occasions through both the credit bureaus & Navient itself. This has been a nightmare since Navient assumed my loans from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Synovus Bank
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 explanation
Consumer complaint received 2020-01-15
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company is calling prior to XXXX XXXX and leaving long voice mails of nothing but air and breathing. I looked up the number to see it was a debt collection agency by the name of Professional Debt Mediation , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I tried to open a checking account with US Bank on XX/XX/20. Their website was overwhelmed at the time and I was unable to make the initial {$25.00} deposit with a transfer from XXXX XXXX XXXX. I was later contacted by US Bank and told to mail them a check for {$25.00} which I did. US Bank was offering a {$300.00} bonus for new accounts which was my motivation for applying. I sent them an email on XX/XX/20 asking about my bonus and was told I did not qualify as I did not use a " bonus code '' upon account opening. I did use the bonus code but the website was very slow and un-responsive. I have met all their conditions for the bonus and feel that I have been unfairly denied it.

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 2015-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX Bank and XXXX is showing an inaccurate balance on my credit report. The vehicle was showing repossession and also the same balance as the value of the car. XX/XX/XXXX the vehicle was towed by my apartment complex for an expired tag and the tow yard sold the vehicle after 30 days. I have reached out to XXXX Bank to get the new balance and status on this vehicle that was never repoed and they refer me to there lawyer. Since then I have tried to get my balance but continued to dispute through all XXXX credit bureaus to get an accurate balance to fix any mistakes on my credit and have been unsuccessful. I even set up a payment plan with the lawyer XX/XX/XXXX but I advised I will not start paying until I get something in writing showing the vehicle was sold and what my new balance was. All the Credit Reporting agencies are not investigating properly and I need to place a complaint or my next steps will be to sue both the credit agencies as well as the creditor. I feel I am doing my part and spending hours of my time to attempt to pay what is due if anything is due I am getting no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am struggling to get Bank of America to remove my private mortgage insurance. I have also had difficulty getting them to provide an explanation for why it is not being removed. I have called and talked to them about 5 times and was getting a run around. My mortgage has been below the XXXX % threshold for about 5 or 6 months now. My account is up to date, I have never been late on a payment. In fact I am slightly ahead and my paynents. I 've explained to them what I have read on the Consumer Financial Protection Bureau website and in the homeowner protection act of 1998 and explained how I interpreted it and have asked them to explain to me why I did not qualify to have it removed or to explain what it is about the law that I am misinterpreting and they have not been able to provide a satisfactory response to that but continue to charge me private mortgage insurance. XX/XX/XXXX I was finally told that it would be removed in XX/XX/XXXX. I have paid my for XX/XX/XXXX and when I go online I see you but I 'm still being charged for it in XX/XX/XXXX. I feel that I am being taken advantage of however I can see that I might be misinterpreting the rules so I was hoping to be able to have someone explain to me if what is happening is allowed or if I 'm being taken advantage of. I recently purchased a new home and my new lender told me that based on my situation they should have already removed the private mortgage insurance.

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 2015-04-06
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I contacted my Navient about their temporary interest reduction plan. The representative took my information and told me I was approved for a rate reduction from 11 % and 13 % to 5 % and would need to make XXXX lower qualifying payments before being enrolled in the program for 12 additional months at the lower payment amount. After I made the XXXX qualifying payment, I received a notice saying I had an outstanding balance for the difference between my old payment and the reduced payment amount, which was all interest. At that time, I contacted the same representative and she told me not to worry, that once the XXXX qualifying payments were made my account would be placed in forbearance during the qualifying payment period and that late fees would be taken out and the outstanding interest would not be capitalized because the lower interest rate would be applied retroactively through the qualifying period. I contacted Navient again after the XXXX qualifying payments were made to inquire about the late fees and outstanding amount showing up on my account and I was then told that I had actually not been approved for the reduced interest program. I asked why I had not been contacted and was told that they did n't know and that I should have been told I was not approved the program. After some back and forth and requesting to speak to the previous representative and to a supervisor, I was told I would be approved for the program as a courtesy and that the late fees would be take out because I had not been previously informed that I was not approved for the program. But now I would have to make XXXX new qualifying payments and the outstanding interest would still be capitalized for the previous XXXX qualifying payments and for the new XXXX qualifying payments. As such I will now be responsible for the difference between my old interest and reduced interest for 6 months or the amount will be capitalized. Had I known this I would have made the higher payments during the 3 months I was told I was making qualifying payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2020-06-22
Company: JPMORGAN CHASE & CO.
State: MI
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:
My flight was cancelled and XXXX XXXX is lying stating that my flight was active. I called XXXX XXXX and they told me it was cancelled. 

I have proof that it was cancelled and the flight was not valid. 

Chase is not doing enough research. They did not provide me any proof that my flight was valid. 


I have proof that XXXX XXXX is lying. They are not answering any calls or any emails. I would like a full refund because I was not provided anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XX/XX/XXXX, I lost my wallet in XXXX XXXX. The person who found the wallet charged {$3300.00} on my Bank of America Debit Card. I realized it was in that wallet two weeks later and reported it to Bank of America. B of A sent me a form with all of the charges that occurred from XX/XX/XXXX XXXX the date that I reported it to them. They reviewed the case and on XX/XX/XXXX they sent a letter stating that my claim had been reviewed and they determined that no error had occurred in this instance and that they considered my claim to be resolved. 

There were many charges that made up the total amount. My contention is that the purchases we not my normal purchasing pattern and that their Debit CARD FRAUD UNIT SHOULD HAVE CAUGHT THIS PROBLEM. I never received any calls from them during this period. Conversely, my XXXX Debit Card was also lost at the same time and I did hear from them. 

I would like to be credited with the full amount of {$3300.00} that was wrongfully charged by the thief. The Bank of America Fraud Prevention Unit should have caught the charges before they ran up to this level.

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 2020-01-15
Company: Experian Information Solutions Inc.
State: FL
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:
applied for several credit cards including XXXX and XXXX. was told I am being denied because of negative info on my credit repport the companies received from experian. Asked experian for a copy of my report, they refuse to mail a copy to me unless I mail them a copy of my drivers license and other documentation. I believe the info they a re asking me to submit in order to receive my credit report which I am entitled to receive under the law when turned down for credit is illegal.

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 2017-08-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX The company states they made an attempt to notify me that an account in which I have no knowledge of and have not had proper verification of validation of debt being owed. They reported on XX/XX/XXXX, ERC made several attempts to contact me. Which is not true. They also submitted a report saying they sent an initial letter notifying me of the account placement in their office. Began to express they spoke with me on XX/XX/XXXX, which again is not true.They also state On XX/XX/XXXX, ERC received a dispute forwarded to our office by the credit reporting agencies. Which IS true a dispute was submitted to all tree credit reporting agencies XX/XX/XXXX. As a result XXXX and XXXX have removed the reporting from my credit file because the company failed to provide proper validation of the ownership for this account and failed to do so in the amount of time legally allowed to validate debt. They have failed to remove the report from my XXXX account and it is adversely caused me to be declined from recent credit line request. My dispute reason was submitted as Ownership : I have no knowledge of this account. They then have stated that I need to contact the fraud department. Their debt collection tactics are to give the run around without properly validation. They have placed information my my XXXX account after the 45 day time limit which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accounts on autopay. dont know why it has a late payment .... account is paid up in full.

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