BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, FL XXXX. My ssn is : XXXX. 

I hold an account with Suncoast Credit Union in XXXX. My account number is XXXX. On XX/XX/XXXX XXXX a forged check number XXXX in the amount of {$1900.00} was presented and honored by the bank. As soon as I discovered the fraud in early XXXX, XXXX, I filled out an affidavit of fraud and took all steps required by the bank to receive my funds back. 

This account has never had checks issued to be used with it. The account has solely been used as a deposit account with electronic transfers out of the account along with the use of a debit card. Notwithstanding the fact that no checks have ever been issued for this checking account, the above referenced check was presented with an address unassociated with me, with a clearly forged signature, and made out to an unknown person. This could not have been a stolen check because none has ever existed for this account. 

I have had several similar issues with Suncoast which were resolved expediently. Those issues involved a money market account under the same account number. No checks were ever issued for that account either and the fraud was identical : unknown address, forged signature, and unknown person. At that time, despite my request that the account be closed, Suncoast assured me that I did not need to close the account and merely changing the suffix was sufficient. Obviously that was ill advised. 

I have been in contact numerous times to determine the status of the return of my funds. Each time I have been given the run around to the effect that they are processing the request. When I spoke to them this morning ( XX/XX/XXXX - more than 3 months later ) they claimed that they needed to do their due diligence and that they were extremely busy. This is unacceptable to me. This is clear fraud identical to fraud for which they refunded my funds within a couple weeks. They have failed and refused to refund my funds in a timely manner. 

The handling of this matter and the entire series of frauds committed on me has been abysmal. I have received contradictory advice from different representatives and different stories justifying Suncoast 's failure to return my funds. My entire family is leaving Suncoast over this matter. We have been with Suncoast for 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am reaching out to obtain a status update on the request made on XX/XX/2022, regarding XXXX XXXX XXXX XXXX. MOHELA is literally " hiding '' behind the issues that are presently addressed through the legal system. I have been in the XXXX XXXX XXXX XXXX for over XXXX years with over the XXXX payments required for forgiveness, and my account was only affected by those legal issues once you all CONVINCED me to consolidate my parent plus loans. 

I am attaching a copy of the letter from FED Loans dated XX/XX/2022, indicating that my XXXX  XXXX XXXX was XXXX at that time. I am also attaching a copy of the PSLF Payment Tracking showing that I made XXXX payments. 

I consolidated on XX/XX/2022, to include my parent plus loans. MOHELA processed the consolidation on XX/XX/2022. I was on the Income-Driven Repayment ( XXXX ) plan before consolidation and am currently on the XXXX payment plan. MOHELA has only given me credit for a total of XXXX payments. 

I was provided information from XXXX XXXX XXXX and MOHELA that my payments before consolidation would be counted after the loans were consolidated. This has yet to happen. Instead, MOHELA has been " gaslighting '' me since day one. They have not applied any of my payment counts to my student loan account. I do not wish to move forward with the consolidation if they do not plan on upholding their end of the agreement. I made the XXXX payments before consolidation, and I want to revert my loans to their status before consolidation. This would leave me with the parent plus loans needing to be repaid back for roughly {$14000.00}, give or take a few dollars. I would have never consolidated in XXXX of 2022 if they had not practiced " deceitful tactics '' to lure me into consolidating those loans. 

I have tried contacting MOHELA, XXXX, and FED Loans to resolve this situation. I have yet to be successful in obtaining any resolution from these folks. The representatives at MOHELA are very unprofessional and have a nonchalant attitude when discussing your concerns with them. The last representative laughed during our phone call without any provocation. 

I need clarification on how MOHELA acquired my loan in consolidation but not my payment count. I have spoken to several representatives with MOHELA, and all of them have assured me that they only enter notes into the computer system and can not provide ANY assistance on my account. I have a copy of my entire FED Loans file, over 1,000 pages. I have been in the PSLF program for over ten years. I can not email the file as it is too large, but if you need additional information on my student loans, I probably have access to the data. I can be reached at ( XXXX ) XXXX or at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: GA
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 am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For months, well before XX/XX/XXXX, I have been receiving multiple, harassing phone calls from a debt collector named Debt Recovery Solutions. For a while this company was calling several times a day, rudely demanding for a " XXXX '' to speak to, leaving long voicemail messages with loud background noises. As I believe the debt in question is over 7 years old & no longer valid. However i have seen several companies re-open a dept before it hits that 7 year mark. After months of my phone constantly going off, I sent a Certified First Class letter to DRS asking them to provide validation of the debt. The letter was mailed XX/XX/XXXX in XXXX, Texas to DRS 's address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. The letter was delivered XX/XX/XXXX. XXXX XXXX # XXXX I waited for the required 30 days for the response from DRS. However none was ever received from DRS. My understanding at this point is that the company could not verify the debt & dropped the case. In this letter & I told them to cease the all phone calls & voicemails. This did happen for a time, it started happening again after about a week after the 30 day response time ended. I continued to ignore these calls as I do not have the time to answer multiple calls from a company that is harassing me. 

I also checked my credit report to notice that DRS opened up the same debt amount under another time frame to keep the debt on my credit report. This is not the first time I have seen this happen from this company or several other companies that claim debts. 

The harassment from DRS has started again in the middle of XXXX. Since then, I have been trying to get to the bottom of this harassment & I have begun to answer a few calls to see if it is DRS. Since doing so, I have been told that Im stupid & a hog. Both of which I'm not & am considering their name calling a verbal assault. 

Then today XX/XX/XXXX XXXX I got a phone call from XXXX & say hello twice. Then the phone rings several times & am i transferred to a women who answers " Debt Recovery Solutions ''.

I want to formally submit a complaint of harassment for Debt Recovery Solutions. As they have repeatedly ignored me asking them to cease & desist their phone calls & verbally assaulting me.

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 2022-01-31
Company: Experian Information Solutions Inc.
State: MO
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-09-09
Company: Experian Information Solutions 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:
Credit reporting agency violated privacy of fcra by reporting relationship with creditor. credit reporting agency published payment history for open ended consumer credit plan. 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 written instructions 15 u.s.c 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 The following accounts are noted as violation ( s ) 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 2022-12-29
Company: HYUNDAI CAPITAL AMERICA
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
The Insurance company determined the vehicle was a total loss due to a drunk driver causing the accident. XXXX valued the vehicle at XXXX with was XXXX less than it was brand new a year and a half ago. All payments were made on time and all maintenance was done. The leasing company decided that it was their appreciation gained in the car therefore they are entitled to 100 % of the insurance payout. Throughout the lease we would get the month to month payout and we would know the end of lease buyout so we figured the the equity in the vehicle that we paid already over the year and a half we were due at least half of that. We assumed all the risk, payments and maintenance of the vehicle but due to circumstances beyond our control ( an at fault drunk driver hitting us ) we lose 100 % of the equity and XXXX downpayment and now left with nothing because the lease company decided, denying us any ability to appeal that they are the lease holder and are entitled to 100 % of the value of the car.

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 2018-05-01
Company: Mitsubishi Motors North America, Inc.
State: IL
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:
I filed bankruptcy and it was discharged 7 months ago. I reaffirmed on my loan with XXXX ( XXXX XXXX XXXX XXXX ). I have made payments the entire time along with their website showing payments continued from XX/XX/17 to current. I went to trade the car in yesterday and the dealer said all the bureaus are not showing that I'm making car payments on the loan in any of the car part of the bureaus. It shows that the car was included in the BK. It needs to show payment history. This needs to be backdated to show I have been making payments. Since I have been working hard to rebuild my credit this is the only thing holding me back from making the trade yesterday that would have paid XXXX off and made me non upside down. Great way to help me get back on track. All that hard work thrown out because someone is not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is not a struggle to pay mortgage, but it's the closest option from the descriptions provided. 

Based on the divorce decree, a court order was given to remove the ex-wife from the mortgage. I contacted PennyMac ( XXXX XXXX ) to start the process by end of XXXX. They asked me for the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and 6-month Bank Statements. I sent all the required documents in XXXX of XXXX. PennyMac called me and asked me to remove the ex-wife from my personal bank then re-send 6-month statements. This required me to wait for 6 months after the removal of my ex-wife from the personal bank account. On XX/XX/XXXX, I sent the 6-month bank statements believing it was the last step, per PennyMac. PennyMac called me a few days later and asked for XXXX XXXX XXXX  ( again ). On XX/XX/XXXX, I resent the proof of insurance thinking again it would be the last step. PennyMac called me and asked for {$100.00} to be paid to finalize process. I excitedly paid the {$100.00} believing it would finally put this topic to rest. PennyMac called me again a few days later and asked for proof of residency. On XX/XX/XXXX, I sent copies of Driver License, W2, Bank Statement, and a Bank Notice. On XX/XX/XXXX, PennyMac contacted me and asked for either a utility bill or a credit card bill. On XX/XX/XXXX, I sent PennyMac a credit card bill. On XX/XX/XXXX, PennyMac called me and asked for a utility bill ( even though they gave me the option between a utility bill or credit card bill earlier ). 

I am now under the impression that PennyMac is intentionally putting hurdles in front of this process. During their calls in the last few months, they continued to offer me refinancing ( as a quicker way to process the request ). Of course I refuse to refinance during this period when rates are much higher - mine has been at around 3.275 %. I am losing trust and confidence in PennyMac and am not willing to fulfill further requests to execute the court 's order, because I believe I fulfilled all what they asked for multiple times without use.

I am not sure if this complain will help in persuading PennyMac to fulfill the court 's order especially that my ex-wife has been waiting for it so she can buy her own house. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Servis One, Inc., Titusville, PA Branch
State: CA
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:
Our old mortgage was sold to XXXX XXXX. My husband had lost his job after 11 years and I became XXXX and had to retire early from my job. We were convinced that we should do a short sale and our realtor spent tons of time speaking with XXXX XXXX at XXXX to settle our account. We finally did sell and two years later we find out they reported that our short sale is a foreclosure. This has devastated our credit and they said they will report is as foreclosure proceedings started ending in short sale, but when our credit is pulled all anyone see 's is " foreclosure ''. Please make them report this accurately, I believe it is on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Self Financial Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
A credit building company called self was supposed to help me build my credit I never gave them any money and I never opened an account but yet they have an account saying I owed {$720.00} and I never want to received any services for them or from them nothing I don't understand how that can go on my credit when I never signed anything I never send a picture of my ID to anyone I didn't do anything to have that on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX  cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE

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 2019-10-08
Company: EQUIFAX, INC.
State: NC
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:
A trade line on my report is showing an inaccurate date thereby re-aging the line to extend the amount of time it stays on my report. Recently this company, XXXX, has been " flagging '' my report regularly which is negatively impacting my score even further. I have received multiple alerts from CRA monitoring services of this action made by XXXX, which is a clear effort to further damage my credit rating since every time they flag my account my score drops lower. In doing so, this has created negative financial consequences for me. 

The date of first delinquency was 7 years ago. I have already requested that this be investigated by all three CRA 's. XXXX   has " confirmed '' the information is correct and refuses to remove the inaccurate information from my report. I have original statements from XXXX  showing the Date of First Delinquency. If I have these statements, so should they. Which should clearly show that they did not investigate the account and are taking these actions deliberately.

Company response to consumer: Closed with explanation