BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-03
Company: Niagara Credit Solutions, Inc
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company called Niagara Credit Solutions who I suppose is a third party debt collector is harassing me at work and on my cellphone. They said they have employment verification to garnish my wages which ca n't be true because they keep asking for me under my maiden name and I 've been married for nearly XXXX years. I called them back and told them to stop calling me, stop harassing me, etc. Because my husband & I bought a home last year in which I had to pay any outstanding debts to get the mortgage, and which were paid. They are asking now for a sum suspiciously close to what I paid another debt collector last year. I told them I would report to the BBB for harassment, I have never received a court summons, and they are threatening to garnish my wages which I do n't think they can do. Something illegal is happening here and I am getting tired of it. I can not possibly have an outstanding debt or I would not have my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: SLM CORPORATION
State: CO
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:
The loan company called me non-stop on my cell phone and my home phone. It was frustrating because I was paying on other loans and was not able to start paying that loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
You are showing my account with XXXX in collections this is not the case the house has been sold. 

See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! 
Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. 


Consent to publish the description of what happened? Consent provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$11000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$37.00} FCRA violations : inquires not mine XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on  XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have made payment toward principal {$14000.00} from XX/XX/20 to XX/XX/20 at Bank of America HELOC account.XXXX {$640.00} XX/XX/20 {$1800.00} XX/XX/20 {$680.00} XX/XX/20 XXXX XX/XX/20 {$2900.00} XX/XX/20 {$28.00} XX/XX/20 {$1800.00} XX/XX/20 {$1000.00} XX/XX/20 {$3300.00} but it reversed into unapplied founds since XX/XX/20 I have been talking to Bank of America until today XX/XX/20 but only {$5800.00} was credited to principal balance only and {$8300.00} is still in unapplied funds. I talked to more than dozen people at bank to fix this and every time they forward request to escalated team. I was told to wait till Friday each week but it did not fixed and it's all in the record and I have given confirmation numbers ex ) XXXX, XXXX, XXXX. Please believe me that I tried so hard with bank to help me to credit and allocate the funds to principal on the day I paid. I waited over tow hours to talked to bank and many times I was put on hold and disconnected so I had to call them back again waited another two hours.Today I got disconnected again. Not knowing when Bank of America will fixed the problem, I had to seek for your help. I would like to know why they credited only {$5800.00} and not {$14000.00} when they were fixing the issue which I could not understand.

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: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I mailed them a letter asking for legal validation of this debt on XXXX/XXXX/15. They have not responded to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I got a job offer and was sent a check to deposit so i could buy a laptop computer and home office supplies. I deposited the bank check drawn on The XXXX Bank for the amount of {$3900.00} on Thursday XXXX/XXXX/16 into my Santander Bank Account. I was instructed, by my new employer, to withdraw the money as soon as the funds cleared and deposit that money in a XXXX XXXX XXXX account. My employer supplied me with the account number. On Sat XXXX/XXXX/16, I checked with my bank and the funds were cleared and in my account. I withdrew {$3900.00} as directed. ( I was instructed to leave {$50.00} in my account for petty cash. ) I deposited the {$3900.00} into the XXXX XXXX XXXX account. My new employer said the vendor who would be supplying the laptop and home office equipment would take the money from that account to make the purchases. On Monday morning I got a call from my new employer saying that they needed me to deposit another check for {$2000.00} and then I became suspicious. I checked my Santander account and it was showing a negative balance of {$3900.00}.! I went immediately to the branch and spoke with the Branch manager XXXX XXXX. She told me that the bank check was fraudulent and that the funds had not cleared. I was told that the bank clears checks in two days, as a courtesey to their customers. Now truly how what I have known that the funds had not truly been cleared. I saw the funds in my account and assumed as anyone would that these funds are now available. The customer has no way of checking this. Perhaps the bank should put some kind of warning or disclaimer in place letting the customer know that the funds may not have cleared. But to be told by the bank on that it was not cleared ; it was a fraudulent check and on top of that there is nothing the Santander bank can or will do!!!! The bank assumes absolutely no reponsibility I can not believe that I am the first Santander customer who was scammed and I shocked at the Bank 's attitude and lack of customer service!!

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
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: KY
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 have fraudulent items appearing on my credit file. I am a federally protected consumer and my rights are being violated. I have been attempting to have the credit bureau remove this false information but they have been persistent in violating my constitutional rights. Pursuant to The Fair Credit Reporting Act I should not have fraudulent items appearing on my credit file. I was also never given clear information on how to opt out of credit reporting from these companies. Pursuant to the Gramm- Leach- Bliley- Act I have to be given clear instruction on how to opt out of credit reporting. I do not give permissible purposes covered under the Fair Credit Reporting Act for XXXX XXXX XXXXXXXX XXXX and XXXX to appear on my credit file. I am demanding that they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I became injured and unable to perform my job 12 months ago and can not pay my private loan anymore. I have told Navient this repeatedly, and they are now harassing me, my mother, and mother in law with constant phone calls and letters. They will not stop. They have also hung up on me when I have returned their calls to state my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Meridian Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Meridian Financial Services called me twice and was extremely rude. I asked for Corporate address and contact information so I can provide documents showing that I have not owned the property that they are trying to collect on for years. I can not get to the information I need because the collector keeps harassing me about a payment and cutting me off. On XXXX/XXXX/16 they called at XXXX XXXX and hung up after I asked for more information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: WA
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:
0n XX/XX/2022 I filed an Experian credit dispute requesting the Creditor provide documentation validating the reported debt on my credit report. The creditor failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Creditor failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: VA
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled my credit report on XXXX/XXXX/XXXX and noticed some collection accounts that I have never heard of before. The collection company in question Advanced Collection Bureau , Inc. claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XXXX/XXXX/XXXX via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX Date : XX/XX/2022 RE : IN REGARDS TO THE FOLLOWING ACCOUNT XXXXXXXX XXXX XXXX  I XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Amount Listed on Credit Report : Dear : Equifax I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$140.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. 

However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to Equifax, Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. 
If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began a mortgage application with Better Mortgage on XX/XX/2020 and was subjected to two notable predatory practices.

1 ) Loan originator promised a closing timeline of 21-30 days after rate lock on XX/XX/XXXX. Upon completing all paperwork in a timely fashion, closing was scheduled for 49 days after rate lock. No explanation given. 

2 ) Loan officer promised a removal of prepaid property taxes. Loan estimate showed no prepaid property taxes. This gave Better Mortgage a competive edge over competitors. 3 days prior to closing, they reinstated the prepaid property taxes on the closing disclosure, saying they were mandatory. No further explanation given to as why I was initially decieved. 

Loan team : XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX XXXX NMLS ID # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: FIRST GUARANTY MORTGAGE CORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage company offer to refinance my FHA loan it 's taken 3 mos for an in house loan to close and was just notified today that they can close it because I was late with a payment. I have never been 30 days late and the loan servicer also reports I have never been late. They refused to look into this and have been very delequint in getting back to my calls and emails 7+ days multiple times. Also being bounced from person o person with different stories as to why they are taking so long. Even supervisor took 7 days to return my call or emails. I have not heard from the loan officer for over 20 days With no exploration to me just " we will look into it '' I also have an email from the loan officer asking me not to make the payment in question. I did not on his request but did when I found out the loan have n't closed yet but I was not 30 days late. They are aching this missed payment as why they ca n't close the loan. I feel they are untruthful and will not give me an explanation that makes since or return my calls to answer my questions. Also sent me a letter stating loan was in default but I have receipt for all payments and they are current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX is giving me a hard time about things on my report,, I cant understand is how I file a fraudulent report back in XXXX when things started happening on my report,, I sent a copy of the file number and date so I what I cant understand is how can you update my disputes with my current credit report,, yes its going to match if it was stolen and used come on now how can that really happen its not fair and its not right to continue to be a victim and cant get no help XXXX removed the negative information I disputed why yall cant how XXXX just update stolen information with current information and says its me when telling you its not me XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and more of the dispute please stop updating my current information with this fraudulent report please remove these things please

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I took out what I believed to be a private personal loan in XXXX from XXXX. This was not based on my attendance at school or any other financial aid but was considered a " private signature loan ''. In XXXX, I fell on financial hardships and filed for bankruptcy which was discharged in XXXX. The lender received notice and did not object to the discharge during the bankruptcy proceedings. I was led to believe that the loan was eventually discharged with the bankruptcy in federal court. However, in XXXX, after a series of transfers of holders, the lender 's newest agent sued me in Indiana XXXX XXXX, arguing that they were a private student loan that met the priority exceptions to bankruptcy. However, they are not specificied as a priority that is listed in the statute and I believe they should have been discharged with the bankruptcy. I need to know how I can tell if this loan was considered dischargeable or not. I pulled my NSLDS record and they are not listed as a government backed student loan as required under 11 USC 523 ( 8 ) a. Nor do I find that they are a qualified student loan under 11 USC 523 ( 8 ) b. Please advise me to the appropriate source to determine for sure whether or not the loan qualifies to survive bankruptcy and whether I would or would not owe it. I have consulted several attorneys who seem to say this is too technical and there should be an easy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by telephone by a company purporting to be attempting to collect a debt I owed. They would not give me any information about the debt and were demanding that I provide my date of birth and social security number. I am positive that do not have any debts that would be in collection. The phone number for the debt collector was XXXX XXXX XXXX XXXX. The person identified himself as being with Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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