BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-05
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AES keeps stalling on account XXXX XXXX XXXX to process and give student loan information requested. AES has currently still not provided me with the details that I require to process information. AES still has not provided proof that I took out the Loan, that the entity has the right to collect on the loan, and that the amount of money that the entity claims I owe is the proper amount. AES has not provided me with the paperwork and they continue to stall with their underhanded tactics. I ask that you make them provide the consumer with the information requested before proceeding further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Servicing for our property was transferred to Fay in XX/XX/XXXX. We submitted our first payment due on XX/XX/XXXX to FayServicing via bank check on XX/XX/XXXX. This check was received and cashed by Fay servicing on XX/XX/XXXX. 

However, Fay misapplied this payment to another account, initiatinga domino effect of late fees and default interestcharges ( see page 2 of CFPB complaintXXXX, where Fay acknowledged as follows : " Fays records reflect that the funds were inadvertently applied towards a loan not associated with the above-referenced property on XX/XX/XXXX. Please note, these funds were recently reversed from the incorrect account and applied to your loan. '' ) As of today, XX/XX/XXXX, Fay Servicing has still not removed the default interestcharges resulting from their misapplication error. We called Fay Servicing on XX/XX/XXXX to resolve this issue with a representative ; however, the representative said she had 1 ) no access to the original CFPB compliant and associated response, 2 ) could not pull this information up in our system, and 3 ) could not waive any charges as a result. She agreed our only remedy at this point may be to pursue legal action. 

I have attached a copy of the bank check that was cashed by Fay on XX/XX/XXXX, which Fay had indicated they never received and then assessed late charge and default interest on our account. It has been 6 months and Fay has yet to remove the default interest charges that should have never been assessed to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: OH
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 did sign for a PLUS loan for my sons tuition. The PLUS loan was pushed by the schools representative. After I signed the original loan document, my son somehow got XXXX more loans under this same loan agreement ; in addition to XXXX other private loans which are being dealt with separately. After graduation, my son dealt with NAVIENT, XXXX XXXX, XXXX XXXX, or whatever name they go under at the time. NAVIENT allowed my son to do a loan consolidation, and XXXX loan rehabilitations, all without my consent or knowledge. 
Of course all of these added to the balance of the loan. Finally ; after NAVIENT lost track of where my son was living, they started contacting me about paying the loan. By now ; with all of the transactions that they made with my son, they had the balance to over $ XXXX-dollars. I contacted their offices several times attempting to get some explanation of the charges that they were billing me for. I have XXXX sons that have student loans and I had no idea of what loan this was or even who the loan belonged to. It took several months, and a statement from me calling this a fraudulent collection attempt, for them to supply me with a signed loan document so that I could identify what loan they were referencing. After I was supplied with the signed loan document, I continued to contact the NAVIENT offices to get further clarification on the additional charges, including the additional loans, loan consolidation, and loan rehabilitations, as I had not authorized any of these. I received very little cooperation from NAVIENT. The most that they would do is repeatedly send me typed documents with the charges listed. Finally ; after threats of wage garnishments, I had entered into an agreement to make monthly payments to NAVIENT to avoid the wage garnishment. But ; before the agreement reached whatever office for final approval, NAVIENT proceeded with a wage garnishment through their collection agency, GENERAL REVENUE CORPORATION. I admit to owing the original loan, and I continue to propose reasonable repayment offers ; But I receive zero cooperation from NAVIENT or GENERAL REVENUE CORPORATION. The only reply from NAVIENT is that they refuse to negotiate loan settlements. I feel that NAVIENT fraudulently negotiated additional loans, consolidations, and rehabilitations with my son without my consent, driving up the balance on the loan, and now they are refusing to accept any liability for their actions, and refusing to negotiate a reasonable repayment arrangement. I am attempting to come to a reasonable resolution on this matter before I retire from my job ; But NAVIENT and GENERAL REVENUE CORPORATION seems to be more interested in dragging out wage garnishments for years on end rather than negotiating reasonable repayment settlements. I feel that the Federal Government should step in to recover the Federal Student Aid funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
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:
It is Equifax is duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting three in accurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include two 30 day late payments posted in XX/XX/XXXX and XX/XX/XXXX and one 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 complained about this account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX XXXX XXXXXXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1, and 611 ( a ) [ 15 USC 1681i ( a ) ], these According to the provisions of 612 [ 15 USC .1681j ], I disputed this account and I never heard back from the XXXX XXXX XXXX This account is not METRO 2 Compliant. There is missing information that makes this account unverifiable. The late date of the activity is missing, there is no payment history, and I have never even done any business contracts with XXXX XXXX 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 2023-05-02
Company: South River Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
We went through South River Mortgage for a Reverse Mortgage, we were dealing with XXXX XXXX his phone # is XXXX. It took a year to get through this and we mainly went for the Loan so that we can get out of debt and to fix up our house. Well when it came to closing they rushed us through the signing. We were told to get Air Conditioner done and also to paint the house, that was suppose to be paid at the closing. The paper work even said if they asked you to fix something that it was suppose to be paid at closing and they did not pay, I am paying payments to the Air condition Company, and trying to pay the painters off. The Air Conditioner owner was very angry also and would talk to XXXX and he kept telling him we were closing soon and that he would get paid, then towards the end he wouldn't even answer his calls, we need a new roof, new electric Box, then repairs in the home, We received {$2800.00} I had to get the rest of the money to make it {$3000.00} down to start paying off the air conditioner man and we have to pay him {$500.00} a month, we shouldn't have to pay anything, I tried calling XXXX so many times and he would not answer the phone, it went from South River Mortgage to Open Mortgage to XXXX, we didn't know what was going on, very confusing, we have money in Escrow and they told me I would get money next year now XXXX says I'm not getting any money, so what is the purpose of us doing this if we have to pay for everything our self 's. Please help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint with XXXX and CFPB after year of disputing the reporting of my credit acceptance account. 
This account reported as collections in XX/XX/2018, reported that way for 2 years at which point was reverted back to open a open and late status. TANKING MY CREDIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-08-23
Company: Chime Financial Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XXXX on 2022 I made a purchase from XXXX XXXX XXXX ( owner of XXXX XXXX XXXX XXXX XXXX XXXX ) for a pair of custom made pro wrestling trunks the purchase was made between XXXX XXXX and XX/XX/XXXX of 2022, for a grand total of {$180.00} fees included. I was given a completion date of 4-6 weeks after payment was made, over the course of 15 months, I was give excuse after excuse by XXXX XXXX on why my order was not completed or shipped, from seamstress issues, to travel and injury issues, to being told they were in progress, to being told he didn't have the material. At one point XXXX XXXX offered to send me " 3 bottles of the gas '' a reference to illegal injectible steroids for the year long dealy in my order, I asked for a refund, and was told no bc it would put XXXX XXXX out XXXX $ somehow on materials he never ordered. I escalated the issue with chim to dispute the charge as items not received. And over the past 2 months chime has concluded there to be no error, with each denial I requested an elevation to see what documents the used in their findings, and each denial reason has been proven false with the 10 documents I submitted to chime, with highlighted notations on information pertaining directly to the dispute case. Several times my dispute would be opened, denied and closed in a matter of hours, proving to me the disputes department at chime does not take the supporting documents into consideration when requested. In the last few months XXXX XXXX has stopped reading and replying to my requests of updates on my product, while posting to his social media looking for a wrestling ring ( XXXX cost ) and even sitting in airport lounges drinking the day away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 

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

15 U.S. code 1681a- Definitions ; rules of construction- Exclusion.-Except as provided in paragraph the term '' Consumer Report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 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 2020-02-21
Company: EQUIFAX, INC.
State: MA
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 two accounts on my credit report that do not belong to me : XXXX/Dept Of ED - {$5700.00} BALANCE - XXXX - OPENED XX/XX/2018 XXXX/Dept Of ED - {$3600.00} BALANCE - XXXX - OPENED XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
[ in the prior section, I was forced to put something down, this was not related to closing an account, we never got that far .... ] XX/XX/2018 ( Phone call took place at XXXX XXXX. MST ) A Gentleman by the name of XXXX introduced himself to me as being with Capital One, and was keenly interested in transferring all of my EXTREMELY high credit card balances over to his rather modest 4.9 % credit card. When I explained to him that I don't have a credit card, and that I am currently on the National Do Not Call List, and asked to speak with his manager,  he promptly forwarded the call over to the FBI. 

Capital One calls me harassing me, nearly everyday ; and somedays they call 4 and 5 times. ( well not me personally, they'll speak with anyone who answers my phone, I don't think that they actually know my name, just my phone number ). They are playing hardball cold call phishing As I previously stated XXXX, forwarded my call over to the FBI, where I spoke with a gentleman who re-directed me to the CFPB to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
About 1 month ago i had wanted to switch my flood insurance carrier to another flood insurance carrier which was approximately {$1000.00} cheaper annually The original carrier is requiring a written letter its OK Shellpoint Mortgage Company to allow the switch Shellpoint agreed and promised me they would send the letter to the 1st flood insurance carrier ( XXXX XXXX ) so i can switch ; Note : i have Shellpoint 's multiple promises they made to me in writing via their emails to me they would issue the letter!! 

Suddenly after patiently waiting almost a month i was then told they will not send the letter! Compounding matters, i am paying the higher Flood Insurance premium amount during the entire wait! 

pls help me to have Shellpoint fulfill the promise to send the letter out ; again, i can provide all of the emails with all the Shellpoint Mortgage contact information with dates of all the correspondence thank you very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have filed numerous complaints against XXXX, XXXX and Trans Union for Unauthorized use of my Information. All credit Reporting agencies have been notified numerous times. Noted by CFPB numbers XXXX, XXXX, XXXX and other complaints. XXXX XXXX  Account Number # XXXX no info available, TransUnion has not obtained proper information as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Nor has XXXX  obtained proper information ( XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ), as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Late Payments listed from XXXX XXXX, XXXX XXXX  and XXXX list late payments as 30 days then 120 days etc. No intermediate times listed. All late Payments from all Credit Reporting agencies shouls be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Care credit is charging and has been charging me late fees on the due date! They have been charging me extremely high interest as well on XXXX services that my XXXX pays for! I only use my care credit for XXXX services. Care credit took my {$2400.00} available Balakce and put it towards interest. My monthly payments went from $ XXXX monthly to $ XXXX monthly and they take most of that and use it as interest charges. 

My XXXX is aware of this and has confirmed several times that they pay my interest so credit shouldnt be charging me that.

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