BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-12
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Planet Home Lending Loan # XXXX XXXX for lower payments on XXXX XXXX closed sign loan docs for {$1500.00} payments. 
Had existing XXXX XXXX - XXXX XXXX per year {$3100.00}. 
On XXXX XXXX Planet Home Lending increases payments to {$2200.00}. 
Filed complaint with CFPB. resulted in lowering payments to {$1900.00} XXXX XXXX. 
Planet Home Lending has sent numeous Delinquency notices that I am delinquent for {$3800.00} XXXX XXXX and XXXX XXXX. 
My recorded payments have been for XXXX {$1500.00} XXXX {$1500.00} XXXX {$1900.00} XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me. 
XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me again. 
XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me again XXXX XXXX spoke with XXXX - she stated again that a Customer Service Manager will call me again his name is XXXX ... he gets in at XXXX Eastern Time. 
They have not sent an allocation of cost or diff in payments owed ... only delinquency payments.

Company response to consumer: Closed
Consumer complaint received 2015-09-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint since Equifax has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bank of America. XXXX. {$2700.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. Account paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Navient Solutions, LLC.
State: AP
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient Solutions ( fka XXXX XXXX XXXX, as the servicing lender for my Direct Loan consolidation, has repeatedly failed to recognize and implement XXXX protections on my account in accordance with 50 USC 3937. Requests and notifications have been made to Navient in XXXX, XXXX, and XXXX and Navient continues to violate the XXXX. I am attaching the most recent complaint to Navient ( XXXX ) and their denial for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Simon's Agency, Inc.
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: Information belongs to someone else

Complaint:
Upon looking at my credit report, there is infomation reporting that I have no relation to. As you know, my credit report, UNDER FCRA, must be accurate with each agency. Negative fraudulent information reporting that is damaging to a consumers report, must be removed within ( 4 ) business days. This information has hindedred me in obtaing more credit, in order to build my credit profile.

According to FCRA 609 ( E ) Fraudulent information reporting to a consumers credit report MUST be removed within ( 4 ) business days of receipt of this information.

According to FCRA ( 609A ) you must provide me with the ORIGINAL signed contract ( also referred to as WET COPY ), between me and the creditor that you claim that I owe a debt to. If you can not provide this information IMMEDIATELY, the information listed in this report must be REMOVED. PLEASE NOTIFY EACH AGENCY REPORTING THIS INFORMATION AS MY CREDIT REPORT MUST BE ACCURATE UNDER FCRA. 

This agency is in direct violation of the FCRA. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH PARTY INVOLVED, INCLUDING ANY AGENCY REPORTING INACCAURATE INFORMATION. 

XXXX XXXX XXXX {$90.00} XXXX Simons Agency Inc- {$130.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX- {$910.00} XXXX Collection Account- {$56.00} XXXX The following inquiries are done without my consent and are in error. This is a direct violation of the FCRA XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Us Small Business Admin Oda XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Adress that are not mine XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX MY ONLY NAME IS XXXX XXXX XXXX , PLEASE REMOVE ANY " ALSO KNOWN AS '' NAMES THAT YOU HAVE LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Aspen Yo LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I do not receive mortgage statement neither by mail or emails, none available. I am not able do online or by phone payments. no response to any of my emails and certify letters. Erroneously my XX/XX/2020 mortgage payment was applied towards my loan balance principal and this has caused their records to be a month behind. Mortgage modification information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase is holding all my virtual balance due to a problem in their database for more than 72 hours. The support service does not answer any email or direct message via XXXX. I think this service could be a scam. I 'm triying to contact support since the incident occured, but no answer : XXXX XXXX XXXX, 2017. They are holding XXXX XXXX. And I got an automatic case number : # XXXX They have a lot of users complainings in their community forums and Coinbase are ignoring us. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Consumer Name : XXXX XXXX XXXX Date of Birth : XXXX XXXX, XXXX Consumer Social Security Number : XXXX Consumer Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX There is a fraudulent credit inquiry on my credit report submitted by XXXX XXXX XXXX on XXXX/XXXX/XXXX. 
In accordance with the Fair Credit Reporting Act, an entity may NOT procure a consumner report, or cause a consumer report to be procured, unless the consumer has authorized in writing authorization in the procurement of the report. 
It is my legal right do demand immediate removal of such credit inquiry by XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX from all credit reporting agencies. According to FCRA 616, Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] can and will be enforced. 

If XXXX XXXX XXXX feels otherwise, provide all forms of communication proving the credit inquiry authorization directly to myself, the consumer, XXXX XXXX. It you can not remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have a new address that has appeared on my credit report since the last time I checked. It is an address in Oregon. I have NEVER lived there, and I am concerned someone is beginning to use my credit for fraudulent reasons. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been trying to get FedLoan to accept the fact that I am a XXXX XXXX student and therefore subject to an education deferment for two months now. They lost the deferment paperwork I sent in and refused to respond to my queries with any personal replies. Instead, all I received were copy and paste responses from various different people who obviously did n't read my emails. No matter how hard I tried to get someone to actually read the emails I was sending, no one would do so. I would receive threats that I would be turned over for collection and be unable to get student loans, but no help, no actual response from a human, and no one would get a manager involved despite my requests. Finally I received an email stating that they were notified that I am in school with an " Out of School '' date of XXXX/XXXX/18. Now they are claiming that they do n't have the dates. I am still being charged and receiving threats that I will be turned over for collection and denied future student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Reporting company used your report improperly

Complaint:
PORTFOLIO RECOV ASSOC obtain my credit report without permission to access file on dates XXXX, I have not given company permission to access my credit profile and you have no permissible purpose by law. 
PORTFOLIO RECOV ASSOC in violation of the Fair Credit Reporting Act ( FCRA ) codified at XXXX U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
PLEASE SEE ATTACHMENTS :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CAINE & WEINER COMPANY, 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:
the following companies are reporting information on my credit reports that do not belong to me. i have been incarcarated and have not opened any of these accounts. 

1 ) CAINE WEINER # XXXX XXXX ) XXXX XXXX  # XXXX And also the below listed company is reporting flase late payments on my credit reports which is false information. 
1 ) XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I received a XXXX letter ( not certified ) from XXXX XXXX in NY stating my wages were being garnished for an XXXX debt from XX/XX/XXXX and judgement was filed against me in XX/XX/XXXX and never seen any correspondence because I have never lived at the address stated on the judgement. I called XX/XX/XXXX fraud department and they have nothing under my Social Security number for the cell number they gave or anything from XX/XX/XXXX. I called the law firm and they sent a notice to XXXX to withhold from garnishment. I called Social Security and claimed Identity theft and was sent an affidavit to fill out and get a police report. I called the law firm back and they will not speak to me unless a law firm is representing me. The collection agency is Palisades Collection LLC and the law firm is XXXX in NY. My credit reports no such judgement against me that was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX, I received a card from a company called CashApp. I never signed up for this card and called their customer service to cancel the account. They told me that I can not cancel this card, as it can only be cancelled with their APP or with a link that they would email me. I was not comfortable with doing any such transaction with a bank that refused to let me talk to a fraud department or provide me with a physical address to mail my complaint. 

XXXX I mailed them a written request to cancel this and all cards/accounts opened under my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I faxed over paperwork proving that XXXX XXXX received and accepted a full settlement for less than balanced owed with the XXXX 
Equifax refuses to accept the document as factual with the supervisor telling me that the have no real proof of the authenticity of the faxed document. Even though there is a phone number on the letter that they can call to get verification. They have contacted XXXX XXXX who keeps reporting that there information is correct which is totally different than the documentation I have regarding this matter. 
Also, I have a public record form XXXX XXXX regarding this same account. The courts updated my judgment as " satisfied public record '' with the same exact letter from XXXX XXXX XXXX XXXX. 
Both XXXX and XXXX deleted my public record from my file but Equifax will not. They keep asking for a withdrawn form from the court stating that the file has been withdrawn or to have the court house tell them I no longer have this record. I called the court house three separate times and each time, different office clerks have informed me that they do not issue any other forms as proof of a withdrawn record except for the same information I already have. Also, the court clerk said they have nothing to do with the credit bureaus. Than the Equifax supervisor told me they ca n't remove the public record due to some Federal law but, when I told them that XXXX and XXXX both removed the record on the strength of judgment letter that they looked up in the court database. The Equifax supervisor changed her story and said that all XXXX agencies do things differently and they do n't look up court records in the database. I told her the court office told me there are no other forms they can give me. So, the Equifax supervisor told me there is nothing she can do. The Equifax organization is under trained and lazy. they refuse to put in the necessary work needed on the expressed interest or fairness due me, the consumer. it 's awful that they have so much influence but are not held accountable for their poor performance and lack of knowledge. Saying they do thing differently and dismissing my paperwork as fraudulent without putting in the work is an outrage and definitely not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX 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 explanation
Consumer complaint received 2015-08-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a strange bankruptcy. My attorney filed a Chapter XXXX that was converted to a Chapter XXXX. Before the Chapter XXXX could be finalized I had a change in income and voluntarily went back to a Chapter XXXX. The Chapter XXXX was voluntarily dismissed. I received no benefit from the Chapter XXXX. Because it is public record it is being shown on my credit report. Lowering my credit score. I completed the Chapter XXXX and all chapters are closed. The XXXX has dropped off my credit report but they refuse to remove the Chapter XXXX for ten years. This is unfair. I did n't benefit in any way from filing the Chapter XXXX and that is n't fair credit reporting. I have the paperwork from the courts saying neither party shall be harmed. I did exactly what the court ordered me to do. I submitted the paperwork showing this and how all the dates coincide. There was only one true bankruptcy. It was completed and discharged. XXXX dropped it off my credit. Equifax said no. XXXX is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
None of the above choices applies to the situation I 'm complaining about. Therefore a " yes '' or " no '' answer to the question, " Have you disputed the issue with the credit reporting company .... '' is not possible. The credit reporting company ( Equifax ) has PREVENTED my attempts to dispute directly with them. Here is the complaint : Using XXXX, I discovered a collection account on my Equifax credit report that I wish to dispute. I attempted to use Equifax 's online dispute form to initiate the dispute. 
The Equifax dispute form requires a XXXX-digit confirmation number. In other words, I would have to purchase a credit report from them in order to initiate the dispute. That 's my complaint : There 's no way ( that I can discover ) to initiate an online complaint with Equifax without paying them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a credit card with XXXX Bank. I did not pay it off and a judgment was placed against me. I paid it off in full in XXXX. I wrote a letter to XXXX, Eqifax, and XXXX I attached the paid in full receipt. I received word from XXXX that it was removed but have never received word from the other XXXX credit bureaus. I did n't even receive word that they received my dispute. I would like this investigated. My name is XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, Texas. XXXX. My email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw a collection account on my credit report a couple years back. I fought it and disputed online through XXXX. I had asked the creditor LVNV Funding LLC to send me information to verify the debt is mine. I never received any information yet the creditor lists my account is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Harley Davidson Financial Services Inc
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Harley Davidson Financial is at the point of harassing me with multiple phone calls everyday due to a loan payment being late. I do pay my payment every month but they call 3-5 times per day including Sundays if I am late 1 day. This has become very stressful and would appreciate some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Upon an attempted request for a modification package needed a few months go, this company continue to keep giving a ring of a run around telling me that someone will be contacting me and I have yet to receive a call. I had to send a via certified mailed letter in to get a final acknowledgement of received signed request to add an authorized person to the account, after several failed attempts in faxing it to the fax number provided. 
Dealing with this company seems to be like pulling teeth and they continue to just keep you on a goose chase, just in getting information in an attempt to prevent a possible foreclosure before matters starts to get tighter with my brothers health care financial needs.

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 2017-04-29
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had a consolidated student loan since finishing   XXXX   school in  2006, th e consolidation happened shortly thereafter.     Since finishing school, I have not earned enough money to make the payments on my loan and was steered by the loan servicer , Navient, into  deferment and forbearance options that caused my debt to skyrocket when I was eligible for other options such as income based deferment.     Had I known all of the options available to me in this process, I could have prevented nearly {$30000.00} in compounding interest to be added to my student loans over this period.     I do not know how I am going to manage paying this off ... the most recent estimate of my monthly payment is {$1000.00} in order to discharge this debt in a timely fashion.

Company response to consumer: Closed with explanation