BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested a copy of my free credit report from the XXXX agencies, I have received reports from XXXX and XXXX but nothing from Equifax. This is not the first time that I have requested my report from Equifax and did not receive it. I am being ignored by this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like the Credit Bureaus to report my information accurately and up to date. I have contacted them multiple times via phone, letters and complaints and have yet to reach a resolution. I have provided proof from my creditors that these accounts are reporting however my credit file does not reflect any of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to apply for a modification for over XXXX months. I ran in to some hard times with my job, but things were improving and I wanted to try to modify my mortgage and keep my home. My attorney 's office was helping me with this process and called on a weekly basis to make sure all documents needed were received and to follow the progress of the process. At XXXX point they were told I was all but approved, Seterus was just waiting for the figures of what my trial payments were going to be to come back from XXXX. It turns out the person at Seterus who was handling my file was no longer with the company so my file sat on her desk for a month or more after XXXX approval, so in their system it appeared that I never " accepted '' the modification offer so Seterus had to " resubmit '' my modification file. All of this took over XXXX months, and in the meantime my house was set to go up for foreclosure auction. This was a scary time for me, and I did n't know if I should call movers to get my belongings or wait for Seterus to work my file. The sale date ended up being put off at the last minute, literally the day before my house was supposed to sell. My file has since been resubmitted for modification review and approval. My attorney 's office is trying to get the figures that Seterus is using to see if I would be approved or denied and Seterus ca n't ( or wo n't ) provide that information. I will send in a copy of a letter they submitted to Seterus that will give you more details on how Seterus has failed at properly servicing me as a client. They have taken a process that they said should take XXXX days, and made it take more than XXXX months - and it still is n't resolved. I want to be able to keep my home, and am willing to discuss modification or repayment plans, but any time we call we only get people who are customer service rep types, and not anyone who can actually discuss anything further than reading notes from their system. I would like for myself or my attorney to actually be able to speak with someone who can assist with my account, and helping me get a modification so I can begin repaying my mortgage payments and keep my home. Please help me if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Experian started charging me for some sort of service which I never authorized : Pending Transactions Note : Debit card transaction amounts may change ( Learn More ) XX/XX/XXXX PURCHASE Experian XXXX XXXX CA XXXX $ XXXXPosted TransactionsXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XXXX Experian XXXX XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX XXXX XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX EXPERIAN SCORECARD XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXTotals {$0.00} $ XXXXUse the menu above to view account history since XX/XX/XXXX for th

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I ran my credit report with Experian today- XX/XX/2017 and noticed incorrect name spelling and address spelling in my file. Specifically : XXXX is an incorrect spelling of my name, which should be : XXXX. Similarly the incorrect address is listed as : XXXX, IL. XXXX. In reality there is no unit number and the correct address should be : XXXX, IL 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 non-monetary relief
Consumer complaint received 2020-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello I am a first time customer for purchasing a new vehicle in my name. When I was offered for a deal on a new car. I was told by the car dealership that it would be several such as 2 to 5 loan members that will be credit reporting my credit score.. Due to this I seem to look on my credit report and it has been dozens of car loan lenders attached to my account which took a huge toll on my credit score. It has been hard for me finding a house credit score to XXXX dramatically dropping. All lenders that I've seen on my credit report is not recognizable anot recognizable and I would like you guys to please please see into this situation.

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 2022-08-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I requested a credit report from Experian dated XXXX ( Report # XXXX ) which incorrectly listed the following Public Records which do not belong to me : ( 1 ) XXXX XXXX XXXX ( Judgement in Favor of XXXX XXXX XXXX ). This is a XXXX judgment which appears to be in the name of my father ( XXXX XXXX XXXX, XXXX ) who lives at XXXX XXXX XXXX, XXXX XXXX, XXXX. I live in XXXX and have no knowledge of ( or obligation to ) this matter. 

( 2 ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). This too is a matter related to my father ( XXXX XXXX XXXX, XXXX ) who lives at XXXX XXXX XXXX, XXXX XXXX, XXXX. I live in XXXX and have no knowledge of ( or obligation to ) this matter. Additionally, This is surely under a different SS #.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: ROAD Auto Finance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
i had an auto loan with road Auto Finance ( XXXX XXXX XXXX # XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I was in An accident ant the car was a total loss. i had Gap insurance. My auto insurance company paid for the value of the car and there was XXXX left which the gap is suppose to cover. i was hit with a late payment on my credit report 2 months after the accident. i called and was told that Gap claim was filed and they where waiting payment. I made the payment myself because i wa told i would get reimbursed. thw weeks paased, i called the Gap insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX i spoke to gap department XXXX XXXX and he informed me that my Gap was Canclled by road auto finance on XX/XX/XXXX and that no claim was ever submitted. and he also informed me that they couldnt do that so my question was why did you allow this to happen, i paid XXXX for the Gap insurance when i purshed the car. i would like to be reimbursed and posibly file a criminal comlaint as well

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: LEXISNEXIS
State: WI
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:
My name it's XXXX XXXX and I tried contacting Lexus nexus on a fraudulent act on there behave with false accusations on my DMV report. They have on XX/XX/2018 I was at fault in a accident. In which hand there is zero record of me being at fault for any accident. When I spoke to one of there receptionist on the phone they said an insurance company told them I was at fault ... That was not the case and how can they justify or take measures into there own hand by heart say with out getting facts. These accusations are making my insurance premiums sky rocket. Please help me resolve this matter with this company. I even went down to the XXXX WI Police department and they have no record of the accident they are claiming ... .Again my name is XXXX XXXX I live in XXXX XXXX WI XXXX and my phone number XXXX email XXXX. Last 4 of social security number XXXX ... .Thank you have a blessed day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Seterus, Inc.
State: OK
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my home on XX/XX/XXXX and refinanced the original mortgage with XXXX XX/XX/XXXX. My loan was then sold to XXXX ( XXXX ) in XX/XX/XXXX. In mid XX/XX/XXXX, I was solicited by XXXX., for a mortgage modification. They claimed that for a fee of {$3500.00} they would be able to modify my mortgage. I employed them based on their promises and agreements and due to the fact that they were law firm. I was instructed at this time that in order to be eligible for a modification, I would need to stop making my mortgage payments. While this seemed illogical, I obeyed. This is where my 6 year journey for a loan modification began. After several different modification companies, attorneys, mulitple foreclosure attempts and 2 rescinded bankruptcies to stave off the foreclosures & sheriff sales, I was granted the loan modification by XXXX. Early in the process, I suffered multiple hardships which further justified the need for the modification but went ignored. It took 5 years before I was finally allowed to speak with my modification " manager '' at XXXX The modification added nearly {$150000.00} to the existing debt of {$220000.00}, with a new note of XXXX. My payment were nearly identical to my original payments, with a term of 40 years. After the trial period, my mortgage payment increased nearly {$500.00}. During this process, I felt misled and lied to by XXXX, various attorneys and XXXX. I feel I was deceived. My life for the last 6 years was consumed by this constant battle of financial XXXX warfare to save my home. Had I known then that the only outcomes were ruined credit, financial distress, near XXXX, relentless harassment and a massive increase to my debt, I would have never stepped foot down this path. I am now dealing with a new servicing company, Seterus, who is handling my mortgage post modification. I feel like I am right back in the middle of the modification with amount of harassing phone calls I receive from this company. For multiple months, I receive calls stating the payment information I provided is invalid. I provided them with the same information, which is kept on record, in their system. This is a recurring problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: NORTHWEST BANCSHARES INC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX appears to think we have an account with them, despite closing it in person about 4 years ago. After about 3 years of silence, all of a sudden in 2020, they decided we suddenly had an account with them again, despite no contact since our account was previously closed in person. We receive constant emails in the last 6 months under the guise we still have an account with them. I have contacted them and continued to request we are removed from their mailing lists and expressed concerns that they thing we are a current customer. I have received replies stating " it will be taken care of '' but nothing changes, and we continue to receive communications, primarily via email, from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried on numerous occasions to have this collection removed from Equifax and it has been removed from all the other XXXX bureaus ( XXXX and XXXX ) months ago. The Collection is from XXXX XXXX XXXX Tennessee for {$130.00}. I have come to discover that this debt is also Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. It is a HIPPA Violation and I NEED THIS TO BE REMOVED ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Call to my office that I have not provide the number to them

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 2023-07-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended the XXXX XXXX of XXXX from XX/XX/XXXX through XX/XX/XXXX. Since graduating its been a struggle to save money and pay any bills not to mention supporting a family. My private loans were originally Sallie Mae, but now Navient. I have exhausted every option and after paying {$40000.00} towards my loans I literally owe more than when I graduated. Its become a vicious cycle and my degree doesnt warrant the kind of salary one needs to pay this back. I will be filing a complaint and legal action towards XXXX XXXX for deceiving and upfront lying about their accreditation, job placements and financial options. Thats another story. With the recent Sweet vs Cardona case that won in favor of the student, I believe there is liability between these schools and lenders such as Sallie Mae and Navient. Navient should be more understanding and be willing to work with what the student can afford based off of income. I have applied for other jobs while working a job that can support this kind of payment and it would be a salary over XXXX XXXXXXXX, its certainly up there. 

Until I file a case against the XXXX XXXX XXXX XXXX XXXX I believe a fair payment would be income based, same as in the federal loans sector. I really believe that the Sweet vs Cardona case should be an example of what should be followed, a standard that the private loan industry should be held to. I do believe there is a true case to be made regarding the XXXX XXXX deceiving tactics and any enabler, such as Sallie Mae/Navient that aids in this scam. I feel there is little to know protection against these for-profit schools and people like me, who never defaulted and paid XXXX XXXX towards my loans, cant save a XXXX. Its not that I dont want to pay, but at this point its beyond my control. I need help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got called from the same number 14 times in a 30 minutes period on XX/XX/2017. I got called 14 times total on XX/XX/2017 and 6 times on and 7 times on XX/XX/2017. This shows that the calls have gotten progressively aggressive over the last 4 days. I informed the lady on the phone that I was filing a complaint with the cfpb and she threatened to note my file that I am unwilling to pay my debt. I informed her I have no money to pay my debt and as soon as I get my income tax return I will pay my debt back up like I do every year. She asked if I had any money to pay and I told her I have zero money for this debt. Then I told her I needed information from her so I can file my complaint and she said your file has been noted have a good day and hung up. Talked to XXXX XXXX XXXX XXXX the supervisor I informed her my fist contact did not give me her name and employee number ( XXXX ). XXXX provided the employee 's id number. When Informed XXXX of my intentions to file a complaint she informed me the call center is automated. I told XXXX I have received 14 calls in 30 minutes and XXXX told me they are allowed to call up to 8 times a day. That 14 calls must be an issue with the automatic calling system. I asked why the calls have gotten progressively aggressive and she said she did n't know. She asked me when I was supposed to get my income tax so I could catch it up like a douche every year and I told her it was suppose to be deposited in my account yesterday XX/XX/2017. I informed her I will pay it up in full when I get my return back like I always do. After finding out that this is the last day of the month XXXX offered suggestions of why I got called so many times in a short period of time. XXXX suggestion was they only work until XXXX on the last day of the month and the other was that my account will be transfered to a new department and will have a personal account manager starting tomorrow. I thanked XXXX for the information. I was not aware they could call up to 8 times a day and if I was receiving more than 8 calls then many more XXXX probably receiving more than 8 also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On Sunday XXXX XXXX, 2016, I had made a reservation at a XXXX in XXXX, MA XXXX for which I had to prepay {$270.00} from my debit card associated with my mother and my joint account at Bank of America ending in ... XXXX. The reservation was for two nights- XX/XX/XXXX AND XX/XX/2016, and was reservation XXXX. When we arrived, we were met with a threatening man who told us we could only use the bedrooms and not the other listed amenities on the online advertisement which includes XXXX floor sitting area by fireplace, XXXX floor kitchen, XXXX season porch and deck with hot tub - all of these are available to guests as advertised on XXXX. We have sent a complaint and dispute to XXXX, to Bank of America and correspondence from the Merchant admits that these amenities are available to guests ; however the man at the house told us we COULD NOT USE THESE AMENITIES and must STAY in OUR ROOM. We FEARED FOR OUR SAFETY and did not want to venture out. WE NEVER SAW THE ADVERTISED HOST and COMPLAINED THAT WE DID NOT WANT TO STAY THERE BUT WERE TOLD " TOO BAD, YOU HAVE PAID AND YOU HAVE TO STAY HERE ''. WE HAD NO USE OF KITCHEN, ANY OUTDOOR AREA - nowhere but the rooms. WE PAID FOR USE OF THESE AMENITIES. XXXX XXXX HAS BEEN PROVIDED THIS COMPLAINT BUT WILL NOT RESPOND TO ME ON 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 monetary relief
Consumer complaint received 2020-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Portfolio Recovery Associates, LLC and request a debt validation. In return I was sent an account statement that does not prove the debt. I was not provided an original contract that bears my signature and this I am unaware of this debt.

Company response to consumer: Closed with non-monetary relief