BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: ACIMA CREDIT, LLC
State: MS
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:
Per federal my syates laws, you must affirm and confirm any and all allegations of claims yet still unproven which all three credit bureaus havent been able to do.I requested for them to provide me with all of the4 information they used for their investigation, as required by FCRA 611 ( a ) ( 7 ) and requested that they delete the negative item as original requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Navient Solutions, LLC.
State: MS
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:
Per federal my syates laws, you must affirm and confirm any and all allegations of claims yet still unproven which all three credit bureaus havent been able to do.I requested for them to provide me with all of the4 information they used for their investigation, as required by FCRA 611 ( a ) ( 7 ) and requested that they delete the negative item as original requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX accordance with the Fair Credit Reporting act 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 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 2020-06-11
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this account in a settlement I was told in exchange for the settlement the account will be removed from my credit report but it is still reporting I have tried to resolve this issue with the company directly and they refuse to talk to me by hanging up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian refuses by trickery to investigate the accuracy of accounts, and largely denies consumers the opportunity to redispute information that is on the reports. In my case, which has happened for the past 8 years, Experian keeps merging information between myself, my brother, father, and grandfather because of similar names, in my case, they assigning my brothers accounts, their home addresses, and credit information to my report, and when actively disputing the accounts, they state that the wo n't correct the information, that it is verified. My name is XXXX XXXX XXXX, my relatives are XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, this is the first instance. 
The XXXX problem XXXX, auto credit, and security national between 2012 present sent me a IRS Form XXXX, debt forgiveness, which means that it was counted as income, not debt on my annual filings, Experian refuses to reinvestigate those facts, and cites repeated disputes, so based upon trickery, they are allowed to keep the item by refusing dispute capacity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have made several attempts with Experian including sending them copies of the correspondences sent to the unauthorized company ( XXXX XXXX XXXX ) of which I have no contract with nor have I done business with them and they have never responded to any of my debt validation letters to verify validity of this alleged debt that they are stating that I owe and Experian is continuing to allow this unknown company ( XXXX XXXX XXXX ) to continue to report fraudulent invalid debt to my personal credit file without my consent hurting my credit and also communication with this 3rd party who I have no knowledge of ever owing a debt to or having a valid contract with nor have they proven to me that I owe a debt and they have the authority to collect a debt on behalf of some other alleged creditor and report negative items to my credit file. Experian and this alleged debt collector are both 3rd parties communicating with each other and Experian is sending this third party debt collector information that I am sending them without my consent. Even after the documented certified proof of the debt collectors failure to respond to the consumer to validate this debt, Experian still refuses to remove this unverified invalid account from my personal credit file because they are stating that XXXX XXXX XXXX is verifying my name, address, phone number, and S.S. # but not providing proof that they completed a true and correct real physical investigation regarding the validity of this debt and account. I have completed all of my Administrative Processes to get both Experian and XXXX XXXX XXXX to verify that this is a true lawful debt that I owe and they are both ignoring my correspondences as I am following the procedure provided to me by law to validate this alleged debt of which I can not get any feedback from XXXX XXXX XXXX proving that this is a valid and lawful debt that I owe and that they have the authority to collect on the behalf of the Original Creditor by producing to me a certified true and correct contract signed under penalty of perjury stating that I owe them or the original creditor any kind of debt.

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 2020-05-29
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Specialize loan services continues to put negative reporting on my account even after I paid my loan in full. How do the keep getting away with this??? The last report shown on my credit report shows settled not paid in full. This was paid in full. Why does this company continue to get away with not stating the correct facts to credit bureaus is beyond me. I even got a copy of my mortgage statement that says paid and satisfactory Mortgage. And even after the loan has been paid off since XX/XX/XXXX th Im still showing negative months after this what the XXXX is going on??? Please help me with this I need someone on my side to help. 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 2016-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently received a letter in the mail stating that my business checking account ending in XXXX & XXXX and savings account ending in XXXX will be frozen within 80 days and closed within 95 days. Upon calling the bank and XXXX for bank of america i got no explanation on why my account is being closed.

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX {$4000.00} XXXX {$160.00} XXXX {$380.00} XXXX {$50.00} XXXX $ 217 XXXX  {$90.00} XXXX {$310.00} XXXX {$220.00} XXXX {$580.00} XXXX {$600.00} XXXX {$24000.00} XXXX XXXX   XXXX XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were told during the automatic payment process that the only way to have my bi monthly payments applied to the loan was to set up bi monthly automatic payments. However, the company just holds the first payment until the second payment comes in.

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX {$0.00} XXXX {$1200.00} XXXX {$0.00} XXXX {$1200.00} XXXX {$7300.00} XXXX {$54000.00} XXXX {$2000.00} XXXX {$1900.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$3300.00} XXXX {$580.00} XXXX {$2800.00} XXXX {$0.00} XXXX {$0.00} XXXX {$15000.00}

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 2022-05-16
Company: SYNCHRONY FINANCIAL
State: OH
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:
PayPal credit has any purchase over {$99.00} put into a 0 % for XXXX  months. However, I have made a purchase then return it and once PayPal receives the merchant credit, they are not applying it to the original purchase. This could cause me to pay more in interest even thought the item was returned. Example a purchase of {$160.00} was made it is 0 % till XX/XX/XXXX. I return the item. Merchant refunds {$150.00} They do not apply merchant credit to that purchase they apply it to a purchase that 0 % expires in XXXX. Even though they are completely different merchants. This is one of example of four complaints I currently have made with PayPal. They could be doing this to many people and they might not realize it and in turn could be paying interest charges they might not really owe.

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 2016-08-08
Company: Swe Homes LP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with S.W.E. Homes and they handle my escrow account also. I have recently changed my insurance company. I have contacted S.W.E. Homes over a month back and ask them to use my escrow account and pay the initial down payment on the new policy. They have refused and have not given any reason as to why!!! 
S.W.E. Homes Contact : XXXX XXXX. 
XXXX XXXX. XXXX, XXXX XXXX XXXX, Texas XXXX XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: NY
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  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late for XX/XX/XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to XXXX XXXX  and unfortunately the late was generated during the grace period for the payoff and consequently is now reporting in error. ( I have attached a copy of the letter dated XX/XX/XXXX from XXXX XXXX. ) Please note paragraph ( 4 ) of the letter stating beginning on XX/XX/XXXX payment, all future remittances should be sent to the address listed above. Because the payment was remitted to the new address well within the grace period for transferring a loan, this late that is reporting needs to be removed. This false reporting of a late is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: AES/PHEAA
State: PA
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:
It has come to my attention this organization has been reporting inaccurate information for over 2 years on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AR
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I co-signed for a private education student loan for my nephew in XX/XX/XXXX in the amount of {$9900.00}. I finally was able t re-pay the loan back XXXX ( plus interest ) totaling {$11000.00}. Recently, Navient Solutions XXXX XXXX XXXX XXXX sent me a bill for {$5500.00}. I immediately called Navient customer service to explain and was asked to submit proof to the claim department ( which I did XXXX. Several weeks later I received another invoice, I called again and asked to speak with a supervisor. But without resolve and being placed on hold for long periods of time as well as being transferred from customer service to claims to other supervisors was asked again by Navient to provide a payment history. I asked if they would do the same so I can compare it to what I 've sent over the years but have only been told they 're experiencing technical problems and my payment records are n't available. I 've faxed and mailed check dates, numbers and amounts but still no resolution. Under the Fair Credit Reporting Act, Navient is obligated to provide a detailed summary of all payments received by date and amount. As of today, they have not done so. What is my recourse? How can I get the protection I need to resolve this problem? I am a consumer and stuck in the vortex of a large federal organization who 's common practice is to provide unfair customer service to students, seniors and veterans. The customers services representative and supervisors are deceptive and change their names. I know I spoke to the same reps several times but they swear its not so ... What are my next steps? The more I call Navient, the more excuses I receive ... .If this is happening to me I know others experiencing the same frustrations. Navient is located at XXXX XXXX XXXX, XXXX PA XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was originall with XXXX bank and then was sold to Carrington Mortgage. My first payment with Carrigton was XXXX/XXXX/2015. I mailed a check to get there by the first without realizing that my autopay that I had with XXXX was going to be carried over to Carrington. Even thogh my payment for XXXX was made they still drafted my checking account in XXXX. When I called to resolve the issue the automated system stated that my next payment was due on XXXX/XXXX/2015 ( recognizing that a double payment was made ) However when I spoke to a representative they told me that they could not see that an extra payment was made and wanted me to fax proof from my bank. I did this several times and each time I called back they said they never received my fax. When I finally went to my bank to place a stop payment on XXXX payment so that I could gt back on track Carrington changed the amount of my payment slightly so that stop payment did not work. Today I called Carrington to simply cancel autopay with them so that I could skip a payment since I was ahead anyway and was told that autopay could not be cancelled unless I fax them a letter stating to do so. I fear that they will continue to say they dont receive my faxes and I will be out almost {$1000.00}. It seems like they are intentionally giving me the run around. They refuse to reapply the extra payment to principal or refund the money. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
My name is XXXX XXXX XXXX, PH. XXXX XXXX XXXX XXXXXXXXXXXXThis company is charging me {$900.00} XXXX for medical services I did never use in 2014, I asked for proof, they do n't have any : Credit ItemsCENTRAL FINANCIAL CONTROLAddress : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FREE Account Number:XXXXOriginal Creditor : XXXX XXXX XXXX HOSPITALPlease help me heal my credit, this is affecting me and my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Having problems decreasing my monthly payments what human can pay {$800.00} once a month, also Dealing with my lender trouble with how payments are handled need information about my balance and terms, they call everyday sometimes more than once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX accordance with the Fair Credit Reporting act 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 2021-12-09
Company: NIC, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I am filing this grievence due to my frustration with a medical balance that was regretfully placed with Nemos Collection. I recently created an account to monitor my credit and was alerted to a collection still reporting to the bureaus that was paid with the understanding it was going to removed from my credit profile, which I now see it was not. I reached out to Nemos Collections for clarication and to request a deletion of the collection but was met with if I paid my bills I wouldnt be in this situation & that this is my fault, etc. which is highly unprofessional and unethical. In hindsight, had I have known I could have disputed the collection while I researched the validity of the balance to ensure it was in compliance of the Medical Debt Act & HIPAA guidelines I would have gone that route. This is not my area of expertise which is why I trusted, in good faith, the process. Due to erroneous collection tactics, I would like this collection removed from my credit profile with the bureaus. The debt was settled XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation