BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-31
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:
Yesterday my Credit score was XXXX. Today out of retaliation for me filing a complaint against them Equifax dropped it by 38 points. Nothing has changed on my credit report since yesterday. In fact my credit score had went up XXXX to XXXX. The only reason my credit score dropped is because Equifax is retaliating against me for filing complaints against them. If this is not so then why did my score drop 38 points when nothing changed from yesterday. Nothing and I mean nothing changed from yesterday yet my score dropped 38 points. this is retaliation and its unethical and just wrong. If Equifax would do their job like they are supposed to I would not file complaints against them. This is more evidence to add to my complaint against them that I filed with the Georgia Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
The Stillman Law Office has been collecting for a XXXX XXXX XXXX credit card that had gone into collections. Stillman filed a Writ of Garnishment XXXX/XXXX/XXXX and I immediately filed an answer to stop this by applying for periodic payments XXXX/XXXX/XXXX. We went to court XXXX/XXXX/XXXX and we agreed on monthly payments. After the confirmation that the writ was canceled, my employer is still getting letters about the garnishment. It is very distressing and embarrassing that they are still trying to collect on a garnishment that is no longer in place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Phoenix Financial Services LLC
State: IL
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 PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Phoenix Financial Services, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently acquired by this company and completed a trial Loan Modification with my previous lender. It is now approaching 60 days I still have not received the final documents.I have been on hold trying to speak with a representative for the past 3 hours. I finally got someone to answer the phone and she said that she needed to transfer me to another department. Once I was transferred I waited another hour and was then I was told that It is not my fault that you have been transferred to the wrong department and the she transferred me again! I didnt get a word in! 

This is unacceptable! I am confused as to how customer service representatives are able to disrespect customers this way. I have been patient and respectful and NO-ONE should be spoken to like that. 

I am requesting someone to get back with me on this asap. I can not believe how poor the service is with this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have XXXX different privet student loans currently own by Navient. XXXX of XXXX loans are small loans. I only have concern third loan originally was {$25000.00}. I took this big loan on XXXX 2009. I have been paying this loan since I took the loan. Last XXXX I asked Navient to release co-singer for the loan since I never late pay or missed payment for last 8 years and it 's reasonable request to release the co-signer at this time. They denied my request in ground of my obligation more than my income. I asked clarification if they are saying my monthly obligation higher than my monthly income. After I proof for them my current monthly total obligation ( {$1200.00} ) way less than my current monthly gross income ( {$3000.00} ), they change the reason of denial to my total loan is to high. Yes my total student loan is close to half XXXX because I went medical school and almost all loan is federal loan. Since I wo n't start to pay my Federal student loan XXXX or four years from now before I finish residency, I do n't think it matter much for Navient loan since the term of the loan is less than five years from now. 

In short, I do believe Navient giving all kind of reasons to denied me simple request to release my co-signer while I have more than XXXX credit score and regularly making my monthly payment. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased games from a gaming company XXXX  XX/XX/XXXX and realized I was being charged duplicated charges so I told merchant about it and they responded that there were technical issues with new software and were investigating problem and would refund me. They never did and problem kept happening so I closed my account and disputed charges with my bank chase. They put my claim as a subscription and denied me after a month of being charged over {$7000.00} and then not only telling me but guaranteed my money by the XXXX of XXXX so I was very patient and still have received nothing but poor customer service and told something different every single day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I paid off my loan with Freedom Mortgage in XXXX of XXXX. I am due an escrow refund of just over {$1700.00}. They originally sent the check to the wrong address. Since that check, they have lied to me and told me they reissued it and sent it to the correct address. Well, it is now about to be XX/XX/XXXX, and I still do not have my money.

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 2017-02-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a foreclosure on my Experian credit file with XXXX. The last activity date was in 2006 which puts this item THREE YEARS outside the federal obsolescence date. I disputed this item and it remains on my file. Federal law ( FCRA section 605 ( a ) ( 4 ) indicates that items that " Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years '' can not remain on my file. This is a violation of federal law. 

The account number of this item is 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 2017-01-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been paying my student load for a number of years. I noticed as I began monitoring my credit that the loan amount on my student loan continued to rise every month even though I was making payments for a number of years. When I contacted Navient, my student loan service provider, it was found they had miscalculated the required payment amounts and did not cover the interest amount. I questioned how they planned to resolve the issue and correct the loan amount. They stated the interest would have accrued anyway and that no corrective action would be necessary other than increasing my payment amounts. This made very little sense, as for the years I had been paying the loan amount should have been decreasing. I am now stuck with higher loan debt amount and forced to pay a higher monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX XXXX contacted my husband via phone in regards to a credit card balance we owed stating they could reduce the amount owed by 60 % and we would only be paying 40 % of the balance. They made the offer sound so good he could not refuse and he accepted. He was told at the end of 24 months he would be debt free. 

They started drafting the payments from my checking account and my husband gave them permission to speak with me in regards to any questions I had. Somewhere around XX/XX/2015 they suspiciously stopped drafting my account and I was advised to continue paying via paper check. 

It took an act of congress for me to speak with a live person. I have archived emails that I sent to them that we received from the creditor. Sometimes we would receive a response other times the emails were unanswered. 

I finally gave up and told them I wanted all of our money back ( after making payments for 2 years ) and then the nightmare began. I was told by XXXX ( supervisor ) we could not get our money back because they were close to settling the debt and to continue sending the payments. 

Unfortunately, I did continue sending payments even though no actions were being taken to reduce this debt. Papers were served to my husband at home ( yes he was sued ) and now we are out of XXXX of dollars and still owe the creditor. 

These people are crooked thieves making a living off of unsuspecting innocent people. 

I have a paper trail of emails that I 've sent and received. I was able to save {$330.00} that I actually did a stop-pay on the check as recent as XXXX/XXXX/2015. 

People beware of these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I am a consumer and I have been trying to get this inaccurate reporting fixed since XX/XX/2021. TransUnion, and XXXX  are well aware of my disputes however they keep saying that the information is verified and accurate. Originally XXXX agreed to remove the inaccurate info but the others keep showing the alleged debt and it is causing me stress and hurting my credit. I reached out to the actual debt collector about this alleged debt and they sent me account information that proves these credit bureaus are reporting inaccurate information. Also it has been well over 120 days, they only had 30 days to confirm this information. It is inaccurate and must be removed now.

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 2021-06-01
Company: Galaxy Capital Acquisitions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reached out to this company at XXXX XXXX XXXX and spoke with a person XXXX. 

Hi XXXX, I just got harassed by an employee of XXXX XXXX XXXX XXXX named XXXX. I asked for supervisor and informed him I am on XXXX and I am filing a complaint with the Consumer Finance Protection Bureau. 

Best Regards, XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: North Shore Agency, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/15, I contacted XXXX to disconnect cellular phone service. At this time I requstested that I final bill be sent to me via U.S. Mail instead of via email. The representative advised me that I would recieve a bill after the end of the current billing cycle which ended on XXXX/XXXX/15. On XXXX/XXXX/15 I recieved a notice from a collection agency. The notice states that " this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. '' When I called, I was NOT given the same disclosure nor advised that the called was being monitored and/or recorded. She then told me that I owed a completely different balance than what was stated on the notice. Albeit lower, but different nonetheless. I was advised that I was in fact calling " a part of XXXX '' and that it was not an outside collection agency and I would be referred to an outside collection agency as of XXXX/XXXX/15. I informed her that I requested a final bill via mail when the service was disconnected. She " verified the information with XXXX '' and proceded to explain that she will send a bill but the account will still be referred to an " outside collection agency '' on XXXX/XXXX/15. I was not even giving the opportunity to pay the bill before it went to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 and XX/XX/2021, I sent a certified letters to the American Adjustment Bureau. I have not received anything from them bearing my signature only an itemized list ( enclosed ) from XXXX XXXX XXXX XXXX. Enclosed is my credit report and they have still been reporting this inaccurate item as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has somehow deleted my entire credit report and creditors are not able to access my credit. I noticed this back in XXXX XXXX which I placed a call to their customer service department explaining that I could no longer access an updated copy of my credit report. I have important financial transactions that have been declined due to their carelessness handling my credit report. I called now three times and the customer service representatives are saying that they have nothing in the system even after manual attempts to locate my report. Today XXXX states that she can't see anything at all. I am asking to have Equifax regenerate my Equifax credit report and delete the fraud alert as well that I have asked them to remove several times and it is still reflecting. I have attached my identification information and the last Equifax update in hopes that this helps get my issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Chase dated XXXX XXXX stating that they will close all my accounts ( debit card with checking and saving account ), and 2 credit cards. I called customer service to find out the reason for closure but they refused to answer and said to go to the local office. I went there the next day and they refused to answer what was the reason. I was told to take my money off all my accounts before XX/XX/2020. I went to the other two offices to see if they can give me an answer of why my accounts are getting closed, but they refused to answer and added a note that if I come to the bank again, they will not talk to me any more. I didn't get any warning letters and was extremely careful with my accounts as I was in the process of buying a house I didn't make any big purchases, paid off my credit card and my 2 jobs were sending direct deposits to this account. In fact, I was a customer in Chase for over 10 years and never had any issues. As a result, of the described above events, my credit score dropped and the mortgage broker wasn't able to give me enough money to buy the house. Also, other banks refused to give me a credit card since my credit score was so low.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient is using XXXX as their debt collector. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Allgate Financial, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i submitted a complaint and my Case number : XXXX. Today I received another letter from XXXX and this time the plaintiff is Equable Ascent Financial , LLC. 

I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the XXXX XXXX XXXX offices numerous times. 

I just want it to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit reports I noticed an alleged debt on my reports. I have contacted this company along with the credit bureaus to get the issue resolved and both parties have failed to cooperate with me. I have asked the companies to provide me with proof that this alleged debt belongs to me and they have failed to do so and just keep updating the account on my reports. I have made 3 attempts on resolving this issue with the company and bureaus on XX/XX/2022, XX/XX/2022, XX/XX/2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I been reported to a credit report company, XXXX  for no reson. 
I never offer to do business with Affirm, represented by XXXX XXXX XXXX 
I never purchase anything but I was asked to do monthly payments which of course I refuse to do. Because that, after 4 months of traying every state in the country, every P.O.Box and not getting the money they wanted they repirted me to credit bureau, XXXX. 

I am srbding this complaint to bureau of XXXX as I need someone to check this scam for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: TX
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:
My student loan is with Navient. They have, over the course of several months, applied all of the money I have sent them to interest only. The principle balance never goes down. When I contacted them about this, they informed me I was on a graduated repayment plan which would send all of my payments to interest only. I never requested this from them! They are parasites, leeching off of consumers. I requested that my payment plan be changed back. They have done so, and I will monitor it very closely from here on out.. This loan is for my attendance at XXXX XXXX XXXX XXXX XXXX ( a for profit school which also took advantage of me )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Student Loan servicer Nelnet is billing 3 payments ahead instead of using standard billing practices and then calling to collect on on amounts that are yet to be due and this is placing an unfair financial burden on borrowers

Company response to consumer: Closed with explanation