BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX has violated my rights. 

XX/XX/XXXXXXXX XXXX XXXX, has violated my rights. 

XX/XX/XXXXXXXX BANKXX/XX/XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, has violated my rights. 

XXXX 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 an account without my written instructions. 

15 U. S. C.. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U. S. C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I originally had my student loan thru XXXX XXXX, they turned it over to Nagivent, so I made arrangements to pay Nagivent XXXX dollars a month so they would stop garnishing my pay checks, I was paying them each month and in the fifth month of paying they told me I had to start all over again, and the keep calling and harassing me at least six times a day, so my complaint is, If they are garnishing my pay check that means they are getting paid and should stop the phone calls, I tried working with them but they are making it impossible to do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My son is XXXX and they constantly call him. I tried to call to tell them to stop and I got a rude lady say " rpm, due to high call volume a representative will call you back '' she then hung up before I could say anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have requested a copy of my Experian Credit Report online but was not provided access to a copy of my report for review. As I worked through the site trying to find a copy of my report I was kicked out and unable to log back into the sight. No alternative options were provided for me to access my report without me first submitting a credit card to be charged. 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX lost 2 of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff

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 2022-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account Capital one has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: LA
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 HAVE SUBMITTED MULTIPLE DOCUMENTS TO ALL OF THE CREDIT REPORTING AGENCIES ABOUT THE INACCURATE AND FRAUD RELATED INFORMATION THAT IS REPORTING TO MY CONSUMER REPORTS. I AM LISTING BELOW ALL OF THE VIOLATIONS UNDER THE LAW THAT HAVE BEEN COMMITTED AGAINST ME.. FROM SPEAKING WITHNMY CONSUMER ATTORNEY I AM TO BE COMPENSATED FOR EACH ACCOUNT REPORTING UNDER THIS LAW. 

( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent, in furnishing on certain consumer accounts, failed to provide to CRAs the date a delinquency commenced, in violation of 623 ( a ) ( 5 ) of the FCRA,15 U.S.C. 1681s-2 ( a ) ( 5 ) ; ( 3 ) Respondent failed to conduct reasonable investigations of consumer disputes or to do so in a timely fashion, in violation of 623 ( b ) ( 1 ), 623 ( a ) ( 8 ) ( E ) ( i ), 623 ( a ) ( 8 ) ( E ) ( iii ) of the FCRA, 15 U.S.C. 1681s- 2020-BCFP-0021 Document 1 Filed 11/12/2020 Page 2 of 36 2 ( b ) ( 1 ), 1681s-2 ( a ) ( 8 ) ( E ) ( i ), 1681s-2 ( a ) ( 8 ) ( E ) ( iii ), and 1022.43 ( e ) ( 1 ) and 1022.43 ( e ) ( 3 ) of Regulation V, 12 C.F.R. 1022.43 ( e ) ( 1 ), 1022.43 ( e ) ( 1 ) ; ( 4 ) Respondent failed to make determinations or provide the required notices to consumers that their disputes were frivolous or irrelevant and did not require investigation, in violation of 623 ( a ) ( 8 ) ( F ) of the FCRA, 15 U.S.C. 1681s- 2 ( a ) ( 8 ) ( f ) ( ii ), ( iii ), and 1022.43 ( f ) ( 2 ) of Regulation V, 12 C.F.R. 1022.43 ( f ) ( 2 ), ( 3 ) ; ( 5 ) Respondent failed to establish, implement, review or update reasonable policies and procedures regarding its furnishing of consumer information to CRAs in violation of 12 C.F.R. 1022.42 ; and ( 6 ) Respondent, as a covered person engaging in violations of a Federal consumer financial law, violated the Consumer Financial Protection Act ( CFPA ), 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the CFP A, 12 U.S.C. 5563, 5565,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Timely final payments on a loan serviced by Ocwen were made and put into " suspense '' which accrued penalties, interest and additional fees. The final payment was {$130.00}. The amounts continue to accrue without explanation which at one point even showed a credit balance on my account. Later I applied for a operating loan for my farm and was denied because of the Ocwen reporting my " bad credit ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: NY
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:
I spoke to Equifax multiple times. There are 2 inquiries that the were supposed to be deleted I have 2 confirmation numbers that the inquiries are supposed to be deleted and a collection. The confirmation numbers are XXXX and XXXX. I spoke to the dispute department today and those inquiries and collection is still on report. remove immediately. Does Equifax want to be held liable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
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 was working on getting my loan payment lowered. After reaching a number I had.to give my debit card number. Once I did that the employee had to play a recording about terms and conditions. Before that I heard him clearly laugh out loud to his coworkes and say I got him to use a debit card. This concerns me. When I confronted him about it he stumbled upon his words before making some excuse up about its less paper work since its a debit vard and he was happy about that. I am worried he directed into some payment plan that will hurt me instead of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Santander Consumer USA had my car ( XXXX XXXX XXXX ) repossessed on XX/XX/XXXX. I contacted them and was told payoff was {$4200.00}. I sent the payment on XX/XX/XXXX. I waited until Monday XX/XX/XXXX to contact them again to see about picking my car up. I was told payment was recieved and that my car was released to me and given the info for XXXX XXXX XXXX XXXX. I contacted XXXX and was told they had my release and gave me the info to the lot that had the car, XXXX XXXX XXXX XXXX XXXX XXXX to pick up my car. I was able to finally get my car from them on XX/XX/XXXX. So I've now paid my car off and recieved it back. I've also recieved my title with a release from Santander with a statement stating my car is paid off. Today XX/XX/XXXX I recieved a call from Santander claiming I owe them money. No. I do not owe them. I paid them out and they gave my car back with title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: Synerprise Consulting Services, Inc.
State: TX
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 sent a Certified Letter to SYNERPRISE CONSULTING See Attached Letter Cert # XXXX XXXX XXXX XXXX XXXX I requested Validation of Debt in accordance with the law and formally disputed their claim. They DID NOT RESPOND, DID NOT CEASE AND DESIST AND DID NOT REMOVE THE ACCOUNT. 
In accordance with the Fair Credit Reporting Act. 
The above Account has violated my Rights Everything has to be 100 % accurate on my Credit Report.

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
I submitted a complaint with the XXXX and the Attorney Generals Office. These Collection Agency is volating my rights and costing me dearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on Experian negative report on my credit. The negative report was from XXXX, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my XXXX credit report. I am requesting that XXXX or any of it affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi, Hope you are doing well. I wish to file a complain against Bank of America credit card. I am really disappointed and sad to say customers are being duped by saying please use promotional offer to lower you interest rate. They offer a promo code saying use it and pay it in fixed time period to benefit your self. Now when I see my account I never got any benefit. In fact they charged me for 3 % transaction fee and standard interest rate than usual. When tried to contact them they are not ready to help me with the issue and claiming some random rule which benefits them to charge me more interest rate. This can't go on as normal individual may not understand how they are being fooled. I wish this to be stopped for everyone and want to get refund for overcharged interest rates. 

I talked with 4 customer services representatives and they mentioned totally different answers. One said I had selected the offer of 1.99 % but because I didn't paid of everything in 6 months they charged me for standard rate from day 1. The other associate said I never enrolled in the offer. I have proof that I received email for the offer and then I went on to select the offer. Now they are not helping me and charging me with standard rate. Please help me with the issue and let me know what needs to be done to further process the claim. They went ahead and questioned me why it took so much time. I mean the moment I realized I reach out to them. This is wrong and need to be corrected ASAP. Why I have pay for their faulty system. How can I check what is being written on their servers behind what I see? They are not providing enough information. Hope to get some help as soon as possible.

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 2022-10-17
Company: EQUIFAX, INC.
State: CA
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 right 's have been violated in accordance with the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial bought my mortgage from XXXX XXXXXXXX during a loan modification in XXXX. I was told that my 1st payment to BSI was not due until XXXX. I was told that it could take 30 to 60 days for BSI Financials system to catch up and report everything properly. I was told that during this time that nothing would be reported to the credit bureaus. On XX/XX/XXXX. XXXX reported me as being 120+ days late. I am now being ignored by BSI and have even reached out to the customer care team and spoke with the office of the president. I was told that I would receive a call back within 48 hours.That call should have happened on Friday the XXXX of XXXX. I have made all the proper payments to BSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: CCM Finance LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XX/XX/XXXX I purchased a vehicle under the impression my down-payment was XXXX. With a bi weekly XXXX. I was at the dealership earlier that day to meet a person that was advertising XXXX XXXX XXXX on XXXX by the name XXXX XXXX and informed him I only had XXXX to put down on the vehicle. He wasn't when I made it but told me to ask for XXXX. After looking around a different car she give me the price XXXX XXXX XXXX  XXXX down-payment and XXXX a month. I deny the offer and left. I contacted XXXX XXXX and told him what happened and he told me he gon na work the deal told me to come back he got my down-payment to XXXX and he would put the other XXXX made it back XXXX minutes before closing so everybody i rushing. Give them my down-payment XXXX informed me that I was still getting the same vehicle and the same bi-weekly payment and to speed up the process I'm guessing she told me I didn't have to read the paper work because it's everything she explains early only thing change was my down-payment amount. But 2 week later I got a call about the remaining balance of down-payment for XXXX and XXXX i think for insurance that only coverage is for the car. Which that wasn't explained and I only found out after getting into a accident with my kids 3 days after making the purchase of the car. Looking over my agreement I noticed they fraudulent my home address without telling me but advertised they financial to louisiana residents so why did they use a fake address is confusing so with everything that I just felt that they was full of scams and didn't make a payment now the car has been repo but don't wan na tell me when to go to get my stuff give me a number that go straight to voice mail

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
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:
My student loans are consolidate with Navient. I called Navient today to get more infomation regarding loan forgiveness and found out they previously gave me wrong information. I was previously told by Navient that after XXXX payments I would qualify for student loan forgiveness. Today, after XXXX payments I was told that that information I was given by them was incorrect and I must first consolidate with Direct Loans to qualify for the loan forgiveness. They offered no answer as to why I was previously given wrong information. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Investigation took more than 30 days

Complaint:
Credit agency failed to conduct a reasonable reinvestigation on the disputed information due 30 days from the date they received the dispute for the follow items : XXXX XXXXXXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX  {$14000.00} XXXXXXXX XXXX {$3500.00} XXXX XXXX {$0.00} XXXX XXXX - XXXX {$4700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX {$2700.00} XXXX {$1400.00} XXXX {$8800.00} XXXXXXXX XXXX {$4000.00} XXXXXXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$16000.00} XXXX {$3500.00} XXXX XXXX - XXXX {$4700.00} Unauthorized Inquires : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have willfully failed to delete the disputed accounts and unauthorized inquires that are not tied to any accounts because you said it remains and that inquires are factual. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my disputes. Note, you have no reasonable determination that my dispute was frivolous or irrelevant nor have you sent me notice of such determination that complies with the FCRA.

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 2016-06-24
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have been paying my student loans for 11 years. I was on Autopay and never missed a payment. About 1 year ago I lost my job. I now have no money while I am looking for a new job. XXXX of my lenders allowed me to deffer my loans as was the case when I graduated college. However XXXX XXXX now Navient has refused to grant me defferment and insists I pay them {$150.00} to deffer my loans for 3 months. I told them I have no money and did not pay. Navient has began harrassing me instantly by missing XXXX payment. I have received like XXXX calls from XXXX different numbers from XXXX to XXXX. This is plain rediculaous. What other business harrass people like this? I have no money to pay them and am now requesting all information be sent by mail. What are my options.

Company response to consumer: Closed with non-monetary relief