BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On Tuesday  XXXX   XXXX ,  2017  I contacte d Navient my st udent loan provider. My account indicated an unpaid interest balance. I have paid my account monthly since I had the loan. In  XXXX  the loan was refinanced through credible at a supposed lower interest rate. The balance in  XXXX  was  XXXX ,  XXXX . I have made all of my payments the balance is now  XXXX . The loan is more. I am being scammed. I can never pay off the loan at this rate. I really need help. I just lost my job. The loan is increasing I can not pay for the loan at my age. The interest rate is daily according to the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid the balance of my home mortgage in XX/XX/2020 and have not received a satisfaction of mortgage letter from the lender, XXXX XXXX. I have phoned the lender numerous times starting in XX/XX/2020 and they continue to respond by stating they are placing the request for the letter but they will not allow me to speak with anyone from the department responsible for creating the satisfaction letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: GA
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:
XXXX I spoke with Equifax fraud department associate XXXX. I explained to her I needed access to my Equifax.com it was giving me an NH code. I explained that XXXX XXXX Card should not be on my credit file. 
This card was placed on my file XXXX in the amount of 0 as a charge off. My request was to have this credit card validated and not verified. I asked for the card to be validated with a written signature or an electronic signature. I also asked for the address to be validated on this account. I explained to this associate it is Defamation, Negligence, and supporting identify fraud. 

I explained XXXX and XXXX had to remove over XXXX different addresses on my account for which was Fraud. If this is not removed I am going to sue Equifax for data breach information and placing inaccurate information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Experian Information Solutions 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX   XXXX   2017   Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   XXXX   XXXX  IA    XXXX  RE :  Complaint Against   XXXX   XXXX   To Whom It  May Conc ern : I have requested from the creditor   XXXX   XXXX   and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased a sofa with  ottoman f rom  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ) Not only did I pay off the balance in full, I paid it off in 60 days instead o f 90. I a lso have a Certificate of Ownership from   XXXX   XXXX   that certifies that I own the sofa and ottoman outright.     From the beginning, it appears that   XXXX   XXXX   assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  ( Please  see uploaded documentation from my   XXXX   credit report ). The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for the sofa & ottoman. I put down over {$200.00} plus taxes and delivery. I paid the initial, monthly rental payment almost 2 months prior to the   XX/XX/XXXX  due date then the remaining balance of a little more than {$400.00} on  XX/XX/XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XX/XX/XXXX .      I demand that   XXXX   XXXX   report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and  credit score when it appears that I went out and applied for {$2100.00} in credit when in   fact, it was only {$710.00} and 90 days same as cash.     Thank you.

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 2016-10-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I am going through severe financial hardship. Barclays Bank continues to call demanding outrageous sums of money that I can not afford and threaten to continue to report negatively to my credit report if I am unable to. They are refusing to offer a reduced payment plan or anything that benefits me. I spoke with a member of management named XXXX XXXX who basically told me " too bad '' and she is not obligated to help me and my only option was to pay the amount due. Other banks have understood and have complied and are working with my current situation, Barclay is not. I have had an outstanding history with them for many years and instead of helping a loyal long time customer, I have lost half of my credit line and am being treated like a criminal.

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 2015-06-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
CFPB Case # XXXX regarding CareCredit ending XXXX did not see Care Credit Corporate response until after I submitted my dispute. I would like to add the following response to my file please. I have faxed CareCredit with the dispute today and also sent response to Corporate Consumer Relations XXXX XXXX XXXX. Again I am very disappointed as she did not return my calls after XXXX and I believe Care Credit has NOT been fair in their responses to me or verifying the XXXX claims for treatment that I did not authorize or receive. 
Thanks you Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
For several months I have received 2-4 calls per week!, requesting me to apply for a credit card, usually ending with " This is last and final notice. '' But it is n't 'last ' or 'final ' because they continue to plague me. The company is Carnival Credit Card Services, which from the internet, indicates Barclay Bank. I have never requested nor am I interested in their credit cards. How can I insist they stop calling my phone number. I work at home, and it 's a great inconvenience to get up from my desk and answer this call. Thank you.

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 2016-03-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
SYNCB is reporting an old ( 7+ years ) negative account on credit report with balance due and attempting to collect debt even after they provided letters stating they have terminated their collections and not reporting this account to the bureuas. See attached letters received from syncb/mervy 's account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: AMCOL Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was attempting to get a loan for a new house, when the lender informed me that my credit had dropped from  XXXX  to below  XXXX  and that I  may  not qualify for the loan. finding that  Amcol  systems collection agency had been sending a medical bill invoice to the wrong address for many months and attempted to call  a 12 year old d isconnected numb er. I have no problem paying the bill and it has been taken care of. However may complaint is that I requested for AMCOL to remove it from my credit report as it was their fault in destroying my credit. " two of their employees told me that do n't do that and I could go pound sand '' This company is rude, and has no respect for someone with great credit, that was destroyed by their company and their lack of professional work ethics. the loan company is reviewing my credit information now and I may be denied a loan for a home of my dreams due to this company refusing to remove a bad debit that was created by a w rong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX   XXXX ,    2017  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   XXXX   XXXX  , IA  XXXX  RE : Complaint Against   XXXX   XXXX   To Whom It  May  Concern : I have requested from the creditor   XXXX   XXXX    and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased a sofa with  ottoman  from  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ) Not only did I pay off the balance in full, I paid it off in 60 days instead of 90. I also have a Certificate of Ownership from   XXXX   XXXX   that certifies that I own the sofa and ottoman outright.     From the beginning, it appears that   XXXX   XXXX   assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  (  Please see uploaded documentation from my  XXXX  credit report ). The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for the sofa & ottoman. I put down over {$200.00} plus taxes and delivery. I paid the initial, monthly rental payment almost 2 months prior to the  XXXX   XXXX  due date then the remaining balance of a little more than {$400.00} on  XXXX   XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XXXX   XXXX .     I demand that   XXXX   XXXX   report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and credit score when it appears that I went out and applied for {$2100.00} in credit when in fact, it was only {$710.00} and 90 days same as cash.     Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Bankruptcy

Complaint:
Received XXXX forms dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Both debts were included in a bankruptcy which was discharged on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: RI
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 have  XXXX  dismissed chapter  XXXX  cases on my credit report. Upon filing the latter  Chapter   XXXX  case, I included  XXXX  creditors on my form to the bankruptcy department. I later decided not to go through with the bankruptcy and received a voluntary dismissal. All  XXXX  credit bureaus have listed these bankruptcies as dismissed. I disputed both accounts with all  XXXX  credit bureaus and have been told that because the accounts were reported in my dismissed bankruptcy filing I can not dispute the creditors.   The creditors could easily verify that I did not go through with the bankruptcy and investigate my dispute. Instead I am being punished by having the dismissed filing and having to wait 7 years to remove and not being able to dispute these  XXXX  collection accounts.     I HAVE SENT COUNTLESS LETTER S ( T RACKED ) TRYING TO GET THIS RESOLVED TO NO AVAIL. THE CREDIT BUREUAS ARE ALLOWING CREDITORS TO REPORT THAT I AM NEGATIVE EVERY MONTH EVEN THOUGH THEY SAY I AM CURRENTLY IN A BANKRUPTCY PROCEEDING.

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 2017-05-09
Company: EQUIFAX, INC.
State: RI
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 have  XXXX  dismissed chapter  XXXX  cases on my credit report. Upon filing the latter  Chapter   XXXX  case, I included  XXXX  creditors on my form to the bankruptcy department. I later decided not to go through with the bankruptcy and received a voluntary dismissal. All  XXXX  credit bureaus have listed these bankruptcies as dismissed. I disputed both accounts with all  XXXX  credit bureaus and have been told that because the accounts were reported in my dismissed bankruptcy filing I can not dispute the creditors.   The creditors could easily verify that I did not go through with the bankruptcy and investigate my dispute. Instead I am being punished by having the dismissed filing and having to wait 7 years to remove and not being able to dispute these  XXXX  collection accounts.     I HAVE SENT COUNTLESS LETTER S (  TRACKED ) TRYING TO GET THIS RESOLVED TO NO AVAIL. THE CREDIT BUREUAS ARE ALLOWING CREDITORS TO REPORT THAT I AM NEGATIVE EVERY MONTH EVEN THOUGH THEY SAY I AM CURRENTLY IN A BANKRUPTCY PROCEEDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Atlanticus Services Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had my balances on three of their credit cards they continued to increase my balance with these crazy fees i wAs being charged four-five different fees causing my balance to escalate and double or even triple in balancr

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Other

Complaint:
One of the main reasons I applied for the BarclayCard was their Extended Protection Program -- a feature that doubles, up to one additional year, a manufacturer 's warranty on products purchased with their credit card. The first time I took advantage of this feature, XXXX/XXXX/XXXX, I faithfully submitted all required documents, as well as additional ones BarclayCard 's agent requested. The manufacturer 's warranty ( an XXXX Watch that the Genius Bar worker admitted had a manufacturer 's defect ) had expired two weeks prior to the watch partially disintegrating. BarclayCard denied the claim, and after I sent them a letter telling them to either pay the claim or close my account, they attempted to reimburse me by filing a false {$370.00} dispute for the date of the original purchase ( XXXX/XXXX/XXXX ). They filed this dispute without my knowledge or permission and damaged my reputation with XXXX. ( I am an XXXX with apps downloaded and sold in more than XXXX countries. ) I think you will understand my concern for this false dispute by the fact that an executive from XXXX XXXX 's office called me yesterday to discuss the matter. 
I want BarclayCard to honor their committment under their " Extended Protection Program '' and reimburse me {$210.00}, the cost of having the XXXX Watch repaired. I also insist that they write an apology letter to XXXX, stating that they, not me, incorrectly issued the dispute for the original purchase of {$370.00} on XXXX/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 2017-05-09
Company: EQUIFAX, INC.
State: TX
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:
I had a vehicle financed with  XXXX   XXXX   XXXX   XXXX . At one point my loan was issued to a particular  XXXX   XXXX  account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from  XXXX   XXXX  because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the  XXXX   XXXX   XXXX   XXXX   Office of the President.  Nothing was resolved. Towards the end of  XXXX ,  XXXX   XXXX  added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was attending school out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account manager put the car up for repression in  XXXX   XXXX . As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX . The car was redeemed, the  XXXX   XXXX  loan was paid in full, and I kept the vehicle. I filed appropriate complaints with  XXXX   XXXX   Office of the President  and other agencies. Again, nothing was resolved.      XXXX   XXXX   XXXX   XXXX  reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and  XXXX   XXXX   XXXX   XXXX . to have the inaccurate report removed. I confirmed with a  XXXX   XXXX  customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with  XXXX   XXXX  and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of  XXXX   XXXX , yet I am having to spend an inordinate amount of time contacting the financial institutions, issuing paperwork, and documenting all the communication. I fear  XXXX   XXXX  will continue to provide incorrect information and subject me to financial and professional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Additionally, I have a  Fraud Victim Alert in  place with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 according  to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit.  XXXX  told me this is not supposed to happen with  a Fraud victim Alert in   place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent 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