BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank account was suspended on XXXX. I was not given any warning about this. I have sent all information the bank has requested and they are not responding. When I call they tell me I can only fix this through Support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2020-05-11
Company: EQUIFAX, INC.
State: AR
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 been receiving a letters in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Regional Management Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone opened a fraudulent account using my social security number..I did not give anybody permission to use my social ... I have provided the requested documents to XXXX  as requested and the investigation has been ongoing since XX/XX/XXXX in which is the date the loan was open..XXXX XXXX is the name of the loan company..There is a balance of {$9600.00} with a high balance of {$16000.00} ... I dont need a loan of no type if you check my credit you will see all my credit accounts is in perfect standing ... this is causing emotional distress on me and my family ... Ive even reached out to the RMC Loan place and asked that they run there security cameras so that we could see who done this such awful thing and they told me they dont have cameras ... I have provided to XXXX  several police reports that state this account is fraudulent and they still say the process hasnt been completed and that RMC has verified that the account belongs to me..I told them to provide proof that the account belongs to me bc unless I have a cloan then they need to remove this account immediately..Im trying to be patient and take the proper steps into going about this situation before I proceed with my attorney..please take into consideration that I will prosecute whomever we find out who did this ... Im convinced that the bureaus has something to do with this because they removed the inquiry but not the account ... my credit was ran 27 times in one month and they removed all of them because fraud was obvious..I have police reports all the way from XX/XX/XXXX where my entire vehicle was stolen and my wallet ... Ive been a victim of identity theft for 6 plus years now and the bureaus been aware of that.It also states that Ive paid off 41 % of the loan and Ive never made a payment on it because I didnt open a loan up .Thanks and please contact me back about this matter..XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because EOS CCA is being unfair and negligent. This company has RE-AGED the account and is reporting discrepancies across bureaus. I sent them a debt validation letter back on XXXX. They failed to respond or even mark the account as disputed. They didn't even investigate the disputes. Basically, I was ignored by this company. 

I am disputing the following item on my report : Account information : account # XXXX, opened : XX/XX/XXXX, original balance Account information : account # XXXX, opened : XX/XX/XXXX, original balance {$380.00}, original creditor : XXXX  XXXX XXXX 

I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called them and tried to settle the debt, they did not allow me to stating they must have the last four digits of my social security number. I asked for other verification methods, they asked for my full name, address and reference number which I provided them. They then said thank you and asked for my social again, I stated I was not comfortable giving that information and they said Im not able to talk to you then. This is misrepresentation, they gathered information about me under the pretense that I was going to be able to settle my debt, then did not allow me to do so. I told him I do not want any information from him other than, If I pay you {$350.00} will that settle the debt? He said he will not talk to me about any single detail without my social security number, continued to talk over me and then stopped talking, the call continued for five minutes in silence and then he hung up the phone :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was process through XXXX  XXXX XXXX ( based out of XXXX XXXX MO XXXX and was sold to XXXX  whom then sold our mortgage to PHH Mortgage whom has an ongoing extremely poor track record for customer care and proper handling on documentation, such as statements and proof of payments, as well as past lawsuits for wrongfully foreclosing on person ( s ) home. They are not accredited with the XXXX XXXX XXXX and should not be allowed to offer loans to consumers. PHH Mortgage has been in business for over 30 years and has yet to prove they are a trustworthy, dependable, and reliable source for loans/mortgages. PHH Mortgage has and is currently ruining the wellbeing of American families whom trust them with one of their largest assets, a home! The Consumer Financial Protection Bureau must properly vet loan companies to ensure that those companies are accredited though the XXXX  and have a long standing record of quality customer care and record keeping. There is no excuse for these wealthy companies whom absorb millions of dollars in interest from homeowners to not have a quality company. PHH Mortgage has over 700 1-star reviews elaborating the shortcomings of the company. I second me earlier statement : As a federal agency, Consumer Financial Protection Bureau must dictate higher standards for lenders to deserve consideration under XXXX. US citizens count on the government to adequately take care of its people ; not to have a government agency toss their mortgage investment to the dogs to be picked over and handed off to a sub-par company with a poor track record. Poor practices like these are what directly lead to a housing crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Merchants' Credit Guide Company
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have had issues with alternate addresses being used to open up accounts in my name .. I have since noticed several accounts that were opened that I do not recognize and are not mine.. the credit bureaus have corrected most of these accounts and have determined I have been a victim of identity theft .... I am still having problems with some accounts though this company has been utilizing collection activity to collect on this account after being notified that this account was a result of identity theft I have sent a previous information regarding this issue account number XXXX amount XXXX open appx XX/XX/2018?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion said I cancelled a XXXX/XXXX  XXXX  card, I did not the company did because they issued 2 cards by mistake, so one was shut down, why am I penalized for that by XXXX points, when I have a credit Balance on that account for {$130.00}????? very unfair, will be filing a report with Washington consumer complaints if not fixed, check it out XXXX XXXX XXXX, XXXX, Pa. XXXX acct end in XXXX was a mistake by company, gave me two cards. 
Acct. ending in XXXX is the active account. 
XXXX XXXX  said they will not fix it. 
Please correct this Chat Conversation End

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 2019-01-29
Company: Experian Information Solutions Inc.
State: NJ
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 spoke with you guys regarding items on my account that are not mine. There are two accounts that are still on my credit. XXXX XXXX XXXX XXXX and XXXX. Please remove these two accounts from my credit report.

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 2020-10-10
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have completed the 120 required payments under the public service loan forgiveness program. I also submitted the required form to FedLoan servicing to get the remaining balance forgiven XX/XX/2020. However, I am being told I have to wait *up to 6 months* for them and the dept of Ed to process my application for forgiveness. This is both unconsionable and in violation of the regulation 34 CFR 685.219 - Public Service Loan Forgiveness Program. That regulation specifically states " ( a ) General. The Public Service Loan Forgiveness Program is intended to encourage individuals to enter and continue in full-time public service employment by forgiving the remaining balance of their Direct loans after they satisfy the public service and loan payment requirements of this section. '' It never says *anywhere* in the regulation, nor the statute, that I also have to wait up to 6 months for processing. On the contrary, it states it will forgive my remaining balance " after [ I ] satisfy the ... requirements of the section '' and nowhere is there any additional requirement whatsoever about an extra 6 month wait after submitting the forgiveness form.

In accordance with 685.219 ( c ) ( 1 ) ( ii ) I must remain " employed full-time by a public service organization ... - '' until my loan is forgiven. Therefore, adding an additional requirement to wait up to 180, not stated anywhere in the reg is a signficant legal error. And it means I have to stay employed in my current job an additional 6 months in order to obtain the benefits I was promised when I signed up for the public service loan forgiveness program. Nowhere anywhere was I warned about this additional, ( legally impermissible ) super-regulatory requirement.

I am requesting that you force FedLoan servicing to process their part of my loan forgiveness application *immediately*, in accordance with the regulation.

I understand the dept of Ed also has to process the application for the loan to be forgiven, and that they do this after FedLoan servicing finishes processing it. I know that the same standard applies to the dept of Ed as is stated in the regulation section I provided, so dept of Ed also needs to process this immediately. However, I do not believe you have any jurisdiction over the dept of Ed so I have raised that issue with my Senator in hopes they will respond favorably to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX is reporting to be collecting on an alleged debt. Upon review of the Florida Office of Financial Regulation they are not licensed in the State of Florida. Supporting documents attached. Their license expired in 1997. How is this legal?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: BMW Financial Services NA, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
BMW of XXXX : XXXX XXXX XXXX, XXXX, CT XXXX https XXXX XXXX XX/XX/2021 : Negotiated deal, the purchase price ( PRE-REBATES ) for {$61000.00} -- MSRP of the vehicle was {$63000.00}. 
XX/XX/2021 : Documents signed and was assured by the Finance Manager of BMW of XXXX that the deal terms would be honored ( PRE-REBATES ). 
While reviewing my lease contract, I noticed two ( 2 ) discrepancies on the contract and would appreciate some guidance, please. First, the negotiated price ( PRE-REBATES ) was {$61000.00} and the selling price on my contract is displaying a different amount. Second, the residual value ( RV ) of the vehicle on the negotiated price was {$34000.00}, whereas on my contract it is displaying an RV of {$36000.00}. The finance Manager-Mr. XXXX XXXX of BMW of XXXX failed to input the negotiated deal ( PRE-REBATES ) at signing while inflating the Residual Value. What is the point of having multiple layers of staff to negotiate the deal ( Client Advisors, Sales Managers, and so forth ) if the Finance staff ultimately reconstructs the deal ( PRE-REBATES ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CITIBANK, N.A.
State: UT
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:
On XX/XX/2020, I submitted payment in full on two credit card accounts with CitiBank and XXXX. It took 15 days and two phone calls to get them to acknowledge the payments. They have not, as of XX/XX/2020, reported the payoff of either card to the credit reporting bureaus. This resulted in CitiBank reducing my credit limits and lowering my credit score. When I tried to dispute it with them directly, they basically said tough nuggets, buddy, and refused to take any other action.

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 2017-12-08
Company: Innovis
State: NJ
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:
As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 

Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 

Presently, XXXX is probably trying to modify the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Lawyer from XXXX XXXX XXXX called and threatened me saying that if I did not pay he would suspend my license and car registration. 
Called me a imbecile and a deadbeat for not paying. This is from a repossession from 2007. Florida law clearly says that they have 5 years. 
They continued to mock me while I asked for their business name and information to list on my bankruptcy forms as required by law. 
I tried multiple times to provide them a current address to be served and they refused to accept it and filed and tried to serve me at a known invalid address. 
They are abusive and bottom feeders who solely pry on people in economic hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a letter from XXXX saying that my loan was being transferred to Specialized Loan Servicing, LLC ( SLS ) around XX/XX/XXXX. After not hearing from SLS around the first week of XX/XX/XXXX I decided to contact them. I asked them for a welcome package and a billing statement so that I can make a payment. I was informed that both would be sent out within 3-5 business days. After receiving nothing for another 2 weeks I contacted them again and requested information regarding my loan. I still received nothing after a week so I contacted them again and asked for a supervisor. I was informed that a welcome package should arrive soon and I was informed that my mortgage was under investigation because the terms of the loan did n't match up to what they had on file. I had a promotional interest rate of 1 % with XXXX and SLS had my interest rate at 4.75 %. I contacted SLS again in XX/XX/XXXX because I still had not received any information regarding my loan or the terms of my loan. I spoke with a supervisor, XXXX, who informed me that I would not be receiving a statement because I did n't have a payment due until the year XX/XX/XXXX because I was paying far in advance. She stated that it 's not unlawful to not send out a statement if there was no payment due even though interest is accruing. She also assured me that the interest rate that I had from XXXX would carry over. After speaking with her for about 40 minutes with no resolution I decided to just refinance my loan so that I would n't have to deal with SLS at all. I contacted XXXX XXXX on XX/XX/XXXX for refinance and we began the process. On XX/XX/XXXX SLS sent me a welcome letter via email. On XX/XX/XXXX, SLS sent my first statement. I have since closed with XXXX XXXX so I 'm not involved with SLS any longer. Another issue that I have is that SLS did n't report any of my loan transfer to the credit bureau so it looks like a long good standing account with XXXX was closed which dropped my credit score significantly. To date, SLS still has not reported my account with the credit bureau.

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 2017-12-08
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im originally from XXXX, WA, and had XXXX XXXX in the house where I lived with two other roommates until XX/XX/XXXX, at the time of moving to XXXX, NC, I asked XXXX to cancel my subscription, as my roommates were taking it over, and I would not be needing their service anymore, they agreed, and said they would send or have someone call my roommates to switch the policy into their name, needless to say, this never happened. And unknown to me, my roommates continued to use the cable under my name, well sometime in XX/XX/XXXX, they fell behind on the bills, and now Im being held responsible for the debt, Ive received a collections notice, and a delinquent report on my credit for cable services when I havent lived there for 3 years! I spoke with the collection agency, XXXX, and the local law enforcement office to see what can be done in this matter, but I hit a brick wall with every call that I make, I have lease agreements and utility bills, let alone an NC drivers license that proves I was not there nearly a year before they fell behind on the bill. And their delinquent report is that I didnt pay {$200.00} on XX/XX/XXXX on my credit report! The bill originally was over {$400.00}. I have never fallen behind on any of my payments, my credit history will show that, I keep everything in good standing and on time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have had issues with alternate addresses being used to open up accounts in my name .. I have since noticed several accounts that were opened that I do not recognize and are not mine.. the credit bureaus have corrected most of these accounts and have determined I have been a victim of identity theft .... I am still having problems with some accounts though this company has been utilizing collection activity to collect on this account after being notified that this account was a result of identity theft I have sent a previous information regarding this issue account number XXXX amount XXXX open appx XX/XX/2018? XXXX

Company response to consumer: Closed with explanation