BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-30
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I and my employer, the XXXX XXXX XXXX, have provided XXXX XXXX information on my employment with the tribe several times to qualify for the public service forgiveness option. They have continually rejected my application on false premises, saying I or the employer did not include information I am positive was sent to them. I have worked as a paralegal or title analyst for decades and understand how to fill out forms accurately. These pretextual denials of my renewal status on this program are infuriating.

My account number with XXXX XXXX is XXXX XXXX XXXX and I am trying to renew after one year in the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I got charged {$380.00} yesterday for a closed subscription with XXXX XXXX XXXX via XXXX that I cancelled back on XX/XX/2023. They charged my account twice. The first time on XX/XX/XXXX and again yesterday. The charge has posted on my bank account without my permission. I have contacted the merchant, they acknowledged that they cancelled the subscription on XX/XX/2023. I contacted XXXX customer service via email and phone the agent lied to me and stated that once the payment went from pending to posted on my bank account, Ill receive a refund. I havent received a refund yet. PNC bank customer service is investigating the matter, but hasnt reimbursed me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11
Company: Home Loan Center, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Used XXXX to research refinancing my mortgage. 

# 1 ) Immediately afterward received 30+ phone calls from different companies. Website said they would use email to communicate not phone. # 2 ) I've had two people come to my house saying that XXXX told them I wanted to sell my house. # 3 ) I've received 2 calls and my father-in-law has received a phone call saying that they were told I'm looking to sell my house. 

From what I can tell XXXX has just given my information out to anyone. My understanding was that they were sharing this with banks not any Joe off the street. 

The people who are calling me are extremely aggressive yelling at me for not working with them. Really crazy stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Performant Financial Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a letter yesterday XXXX/XXXX/15 for a debt I do not owe from. this company named Performant Recovery Inc. XXXX XXXX, XXXX , CA , XXXX. Collectors Name : is XXXX XXXXCollection Phone : XXXX. Main Line : XXXX. I contacted The Dept of Treasury and they give me the number for The Federal Trade Commission for whom I called to file a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The creditor XXXX XXXX is reporting false information on my credit report. They are reporting a balance of {$16000.00}. However, my actual balance is {$13000.00}. The account is paid up to XX/XX/2021. However, company has last reported a payments made inXX/XX/XXXX. This is a violation of the Fair Credit Reporting Act. This inaccurate information needs to be updated immediately on my credit reports. I have attached a copy of my auto loan statement as proof that I have an account with this auto loan company.

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 2018-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XX/XX/XXXX- Portfolio Recovery filed lawsuit against me for {$1700.00} There were a few continuances and ultimately I had until XX/XX/XXXX to respond or risk default judgement.

On XX/XX/XXXX I made a settlement agreement by phone with PRS for the full amount but in payments. Imediate down payment of {$350.00} and monthly payments of {$230.00} until paid.

On XX/XX/XXXX PRS sent a letter memorializing the agreement and I was to sign and return which I did after speaking with them on XX/XX/XXXX to ensure that this meant there would be no Judgement filed. It was confirmed that once the agreement was received, it would be filed with the Court and we would not have to do anything else, including going to court. Nothing would happen unless we stopped paying.

On XX/XX/XXXX I received a Default Judgment Notice for {$1400.00}. I called PRS and they told me I never signed and returned the agreement. I told them I most certainly did. After putting me on hold they said it was because a payment was returned on XX/XX/XXXX and even though I called and cleared it right away and was assured my agreement was in tact, that triggered the judgement. There is no way, if they filed our settlement agreement like they said, that a return payment on a Monday would result in a hearing for judgment in 2 days on XX/XX/XXXX. XX/XX/XXXX was the hearing date all along that we were told we didn't need to provide answer for or attend due to signing the agreement that was to be filed. They got a default judgement against me for not showing up when I signed a settlement agreement that they were supposed to file. Unfortunately I failed to make a copy of the agreement somehow but I do have the letter from them indicating the agreement was attached to memorialize the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Account information incorrect

Complaint:
I requested a re-investigation of my credit profile, on around XX/XX/2022, and some items were removed, and some items remain. I requested the the credit reporting agencies remove certain items as they don't have permission to report. Pursuant FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was going over my credit when I saw an account on there that was not mine! This is a huge error or fraud! I'm the only one allowed to use my credit and I haven't gave permission to anyone else. This account does not even have any connection or relationship to any account or transaction that i approved of using 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 2018-06-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a XXXX XXXX and has been for the last 12 years, and I am currently in the process of filing for divorce, in XX/XX/XXXX I moved out from my previous address and I also opened a XXXX XXXX to have my mail forwarded. Last week I received a letter from a company called Navient stating I am late on my payment, I called the company to explain they have the wrong person I have never been to college nor applied for student loans. The rep then explained that I am the cosigner, for my wife. I never gave my soon to be exwife permission to use my social and to my surprise this occurred since XX/XX/XXXX, she never told me about this and it seems as she has been hiding the mail since then because I am always on the road more than I am at home. I asked her why she used my social for her student loan and she simply said after we got married she thought I would like to invest in her education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018, I discovered my once trusted house cleaner wrote $ XXXX worth of fraudulent checks to herself over the course of 16 months. These checks were significantly large amounts and uncharacteristic to my bank account, $ XXXX, $ XXXX & $ XXXX, not once was I alerted by Citizens Bank of possible fraud. This women even set up auto pay on my checking account to pay her utilities and again, I was not notified. Citizens Bank says I had 30 days from the time of my bank statement to report the fraud, and they are not responsible. Even the check that was caught within the 30 day window, was not covered because they said if I caught the first check, the other checks would not have been cashed. This is outrageous and blatant abuse of power. My money should have been safe in the bank, and I believe that Citizens Bank was negligent in their fraud protection. I have made several requests to be reimbursed, but I am being ignored. 
I think the banks should have far more responsibility than sending out a statement. 
BTW, my statements were taken by this thieving cleaner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: ALLY FINANCIAL INC.
State: UT
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:
To whom It may concern, I recently, reviewed a copy of my XXXX credit report and { ALLY FINANCIAL } ran an unauthorized credit inquiry on me on XX/XX/2020. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX  XXXX XXXX and investigate such occurrence.

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 2018-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX of 2015, I was sent a check in my name ( which was spelt wrong ) from XXXX has a secret shopper thing. I deposited the check into my Bank of America Account and did nothing with it, it sat in there for weeks to verify it. Once it was verified they immediately reported to XXXX XXXX. I then found out it was a scam that XXXX did and usually does every year around the holiday 's. Nothing every was reported to me for a while and I went to add something to my account and set a direct deposit, the account was closed without my knowledge. I have sent over the information prior to this and info on the scam and they still think I withdrawled the money, which i never did. i will attache the statement and you can see there was no withdrawal on the account let alone any deposit made on the account. 


Link below : XXXX XXXX   XXXX Link Below : 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 2018-07-13
Company: Receivables Management Partners, LLC
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: Old information reappears or never goes away

Complaint:
I have a collection account with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on Trans Union and XXXX. XXXX has corrected it. Thank you, 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 2018-04-24
Company: General Motors Financial Company, Inc.
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
GM Financial is still reporting a negative balance and account on my credit. I settled this debt with the company collecting on their behalf, in XX/XX/2018. 
GM Financials attorney Contacted me when I was attempting to settle said that GM advised me to call them and she gave me their number : XXXX. 
I called them and they told me an outside agency named XXXX is collecting on the debt now. Their number is XXXX - GM account number XXXX. 
I called that company On XX/XX/2018 I settled the debt for {$1500.00}. It was paid and they advised me that the account was a XXXX balance. 
Now they won't return my calls and GM is still reporting on credit. I have contacted my attorney and the next correspondence will be from him if they do not fix this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: CCS Financial Services, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I pay a minimum amount of {$220.00} to XXXX XXXX XXXX XXXX on the XXXX of each month. After my payment is made, my balance is only reduced by {$1.00}. According a customer service rep, I am only paying the interest. On XX/XX/XXXX, I made an additional payment of {$100.00}, which reduced my balance by {$65.00}, bringing my balance down to {$46.00}, XXXX. Today, I checked my balance, which is now increased by {$81.00}, which inflated my balance to {$46000.00}. I believe Navient is robbing me. I am not even able to see how much interest is accrued each month. I've sent them an inquiry regarding this issue today and is awaiting their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Reliant Capital Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Morning, I received a call from Reliant Capital Solutions. I do not know who this company is, Ive never done business with them, and they have no right to collect a debt I do not owe to them. Subsequently, I sent them a letter to validate not verify the debt. I have not received a reply. Letter is attached to this submission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/2021 i sent a formal 609 letter disputing many inaccurate accounts to XXXX, XXXX, and Experian. It has been well over 30 days and I have yet to receive any correspondence or updates from any of my inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: MoneyLion Inc.
State: NY
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:
I received an unsolicited " Debit '' card in the mail. 

The card is advertised as a debit card by XXXX, powered by XXXX. It's called a MoneyLion Debit MasterCard. 

I never requested this card. I've never even heard of this company. The information on the letter I received is all correct, including my full name and address. 

I was instructed to call : XXXX. I will not call this number as I don't want anything to do with this bank. 

Please investigate this company! I am certain this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, This complaint is on Navient. I have been trying to work with them. I lost my job in XXXX and was unemployed for 4 months. Upon calling them they wanted to run a credit check which makes absolutely no sense for them to need to check that to prove i was unemployed. They never really give any form of leeway to people that are trying to give them something!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made multiple attempts to correct this issue of inaccurate information reporting to my credit files namely XXXX as the other credit bureaus have complied with the inaccuracies of the collection agency XXXX and the lack of validation provided to me upon my requests from the collection agency, I have never been served properly as stated in their prior response and the per the statute and their own admission this item should be removed from all credit reporting agency 's that they have reported it to as of XX/XX/2018. However it still reports to XXXX as the other agencies have complied with the law. Attached is a letter from XXXX XXXX regarding the account and their statement saying a request to remove this obsolete data from the credit agencies should be done from their end XX/XX/2018.

Company response to consumer: Closed with explanation