BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: AES/PHEAA
State: FL
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 am under the Income Based Repayment program and being serviced by XXXX XXXX. In XXXX, they began reporting interest to the Credit Bureaus even though the interest has not capitalized on my account, because I am in the IBR program. They informed me that on their end, the interest is not showing that it was added to my balance because of the IBR but they are aware that they are reporting it to the Credit Bureaus. Reporting to the Credit Bureaus like this is destroying the consumer 's credit. Being under the IBR is supped to help the consumer financially, not to destroy the consumer 's credit.

It seems as though the servicing companies found a loop whole in the Fair Credit Reporting Act, to bury those who are under any type of payment or forgiveness program. Because of the way they are reporting to the Bureaus, the amount of my student loan is increasing over {$500.00} every month on  my credit report. 

They need to be stopped before they begin to destroy every student 's credit and financial status that is in any type of repayment or forgiveness program. By them reporting the interest to the credit bureaus, forces the credit bureaus to lower the consumer 's credit score each month because of the increase that they are seeing.

Because of this lowering the consumer 's credit score, it disables the former student from obtaining a good paying job, since employers are now running credit checks for certain positions. If the government allows them to continue to do this, it will put the country in a crisis. Less home purchasing, more jobless claims, more unpaid debt and student loans will become a bubble like the housing market in 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband left the home in XX/XX/XXXX. I could not pay the mortgage by myself. I attempted to remodify with XXXX who was our mortgage service at the time. I was given a monthly payment which was higher than the original payment when my husband was living in the house. I sought help from the bar association with no luck. I was finally able to put the house in my name only after the divorce became final in XX/XX/XXXX. Shellpoint became the loan servicer.i cleared out my basement and found a tenant to assist financially.around XX/XX/XXXX I was notified by shellpoint that I was denied a remodification bc I owed too much money. I then put my home on the market and received an offer. I was ready to sign the papers but turned it down bc both my daughters were in school and they begged me to pls try again to remodify. I tried again as a XXXX person bc I left work after XXXX XXXX and have less income. I first worked with XXXX XXXX who requested the same documents over and over again.he finally told me that I needed one more document and after I sent it in my account was transferred to XXXX XXXX.he request the same documents all over again. I went through a cartridge of printer ink in one day making copies.XXXX XXXX proceeded to request the same things again and again. I became obvious that shellpoint mortgage was playing games with me and I have no choice but to sell my house before it is auctioned off. I think that what shellpoint has done is unscrupulous and unfair.my younger daughter is XXXX as well and now she must be uprooted for her XXXX year. I asked XXXX XXXX if I can rent the home for a year and was told no. I would like this company to be investigated for its remodification methods.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: TN
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'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. This is fraud so I have taken the liberty of reporting it to the police as well and FTC. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
It's OBVIOUS I'm not ever going to pay the ONLY wrongful complain EVER put on my credit report. I have submitted documentation proof to the collections agency as well as the credit unions proving the charges are not ligament. The credit agency contacted the collections agency and ask them if the information I submitted was acceptable to dismiss and the collections agency responded that person no longer works here. 
Point 1. I received and forwarded an e-mail from the apartment complex manager - waiving apartment painting for early move in. When I moved out years later the apartment manager was gone and the assistant manager XXXX had issues with me so would not accept her previous letter waiving the minimal expense. 
Point 2. I provided the same e-mail proving I was not responsible for the {$130.00} dollars re-painting fee to the credit agency and disputed it in writing. The response from the apartment complex was taken verbally over my proof in writing. 
Point 3. While time passed I paid higher interest rates for a {$960000.00} home I purchased and also paid it off completely in record time. 
Point 4. I ALSO PAID off all my credit cards, vehicle loans and additional mortgage. 
Point 5. I have the invalid debt still on my report and even though I paid over a XXXX dollars worth of bills using credit - MY CREDIT SCORE STILL SUFFERS?? Please Please Please have someone with account knowledge re-score my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I filed a dispute with XXXX regarding XXXX and XXXX loans. However, when they responded it was said that the loans are in good standing but my reports show the loans are paid late which is totally in accurate. XXXX stated that the loans were defaulted in XX/XX/XXXX and XX/XX/XXXX but I can provide proof via my checking account when the payments were on auto pay and debited from my account. If necessary I will provide bank records from my account. 
Please remove this from my account. 
The delinquency is contributing to my low credit score. I need these inaccuracies cleared up immediately.

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 2023-08-22
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I met my the. Wife at XXXX XXXX XXXX sales because she asked me if I would co-sign for her to get a car. When I get there the guy basically starts asking me all these questions that seemed normal so I respond but the whole time I never see her doing paperwork or being asked questions. I just figured she would after I did. So he comes over and stands right up against me and starts telling me to sign here and here all while rushing me the whole time. I told him I wanted to read them and his response was it is just standard stuff.. a little bit later he comes back and hands her the keys. We leave and a few days later Im checking my credit and see I have a {$18000.00} dollar auto loan.. come to find out her credit wasnt good enough to even put her on the loan so instead of me just co-signing he put the car 100 % in my name. Thats not something I agreed to do. He may have had me sign a paper or something but he wouldnt give me time to read them plus he lied to me about other things and papers as well. He told me she got a awesome 2 year top of the line warranty that the lender GAVE her but when I started going through all the paperwork to see what happened I saw that they actually charged her, well me, {$2000.00} dollars extra for that great warranty but turns out it was the bottom of the bottom warranty program and the reviews say its basically impossible to use. So theres another lie. So a couple months later her and I split up because Im mad he didnt talk to me or tell me that l was using my credit that I spent the last 2 years working so hard that it cost me my marriage. I got my credit all the way the way up to over XXXX. And just yesterday I saw it dropped in just one moment over XXXX points not to mention now the car has a blown motor because she had issues with it literally from the XXXX day she had the car. But yet that amazing warranty is supposed to cover engine work but I doubt it. So now the car is about to get repossessed and thats going to hurt my credit even worse. I busted my XXXX building up my score because I wanted to buy a house for me and my XXXX kids for when her and i divorce but now I have no idea what Im going to do. I cant afford the rent on a place big enough for us and l am scared. I cant end up without a home.! And yes Im mad at her because I dont understand how she didnt know he was doing this but at the same time he even had me thinking it was in her name. I just want this loan taken off my credit and for them to do whatever it is the have to do to get my credit score back up. I mean this is embarrassing its so low.

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 2019-10-04
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We got a letter from PHH loan servicing that as of XX/XX/XXXX, they are no longer accepting payments for our loan. We received this letter late in XXXX. We tried to access the account on the new loan servicers website after we got paid XX/XX/XXXX to make our mortgage payment. We could not access the new website to view our loan. We went to PHH where we were able to access the loan but could not pay it. We called the new mortgage company and were told that they do not have any record of the loan being transferred over & no account number is showing. It is now XX/XX/XXXX and we can not make the mortgage payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Carter Young Inc, a XXXX, Georgia based debt collector continues to report an invalid account. Based on a quick web search it appears this is a standard practice for this company. 

The vendor has acknowledge the debt is not owed. Further, they are suggesting they have not had a relationship with this collection agency for several months - at least one year. 

The Credit Bureau 's continue to take the side of this collection agency by wrongly reporting the information. Even after the vendor, and I have both sent supporting documentation proving the debt has been paid. 

Carter Young 's actions are fraudulent, and they should be punished to the fullest extent of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX I filed a bankruptcy it was discharged. 
I continue to receive letters from LVNV Funding LLC ( XXXX XXXX XXXX ) Account # XXXX On XX/XX/XXXX I received another letter- I called XXXX and spoke with a XXXX XXXX who informed me that they just received my letter on XX/XX/XXXX. Informing them I filed a bankruptcy, in XXXX. I was told by Mr. XXXX that the letters crossed in the mail. 
I send them a letter years ago after they contacted me the 1st time regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I bought my home on XXXX XXXX 2017. At the time of purchase, I did not have the money to make the 20 % down payment as my accounts were frozen because of divorce. In just a little over a months time ( XXXX XXXX 2017 ), my accounts were unfrozen and hence, was able to make an additional payment that brought down my LTV to less than 80 %. 

I have sent multiple requests to My Loan Care ( my mortgage company ) and every time they deny my request. At first, they wanted to get the appraisal done ( note the request to cancel PMI was made one month after the actual purchase of home ). The appraisal was already done when the house was purchased a month ago. Value of the house is not expected to change drastically in 1 month yet, I let them get the appraisal done. After the appraisal was done, I was told on the phone that the loan was not seasoned for 6 months so, PMI can not be canceled. Their website does not share any such information. All the website says is the request to cancel PMI can be made if you have a good payment history and the LTV has : Is first scheduled to reach 80 % of the original value of the property ( 80 % LTV ) ..
Actually reaches 80 % of the original value of the property. This information is available at the link below : https : //www.myloancare.com/XXXX XXXX XXXX I have tried resolving this matter by talking to them on the phone multiple times and have not received any co-operation or assistance in this matter

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 2019-05-10
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In order to get an understanding of the balance of my student loans, on XX/XX/XXXX I contacted Navient in regards to my consolidations loans that were completed on XX/XX/XXXX and that are currently with XXXX. The young lady could only provide Information on the most recent consolidation and was not able to see details of the older consolidation loans from XXXX and I was informed that I should contact XXXX. I contacted XXXX whom were not able to tell me what loans were included in the consolidation because they have the loan after the consolidation ; I was then routed to review and contact NSLD whom did not attempt to assist me at all with getting detailed information about my consolidation. I have also contacted XXXX XXXX in which I still have not received a response to date. 
On XX/XX/XXXX, I sent an email request to Navient that I would like an audit completed to provide me with the details of each of my loan consolidations. The response from Navient on XX/XX/XXXX is that I can review my loans with NSLD. ; again the problem this is that it will not show me the details and the amounts for the accumulated consolidation balance. 
When I initially, did the consolidation with Salliemae/Navient it was an attempt to bundle my loans in one place even after I had applied for forbearance and forgiveness through their agencyit did not as if anything had changed even while I was making payments. Also, while reviewing my information from NSLD, XXXX and Navient I noticed that loans that were supposed to have been consolidated during the XXXX application had not been included and that the most recent consolidation seem to include loans that should have already been accounted for. 
Taking a closer look at my students and Navients process, it seems that loans that were supposed to be included in a forgiveness process and consolidation agreement were not but also appears that some have been re-consolidated. This is not my first attempt at trying to get answers from Navient, back in XXXX when attempting to return to school but wanted to be clear on my student loan balances and received the same brush-off from Navient with no results. 
I am again requesting a full detailed audit of all of my student loans, this also is to include what specific loans contributed to each of my consolidation loan ( s ) because the forgiveness and consolidation initially began with Navient/Salliemae.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: DISCOVER BANK
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received a piece of mail from Discover Financial about a personal loan. At the time my income was low and my credit score was very high. I thought it would be a good idea in my time of struggle when my business wasn't making a ton of money. I called the number on the mail on XX/XX/2019. I talked all the way through the process with a representative who was very nice. When it came down to the end she ask for my tax returns. Unfortunately, I left my corporate job 3 years ago to start my own company and we've reported a loss in our first 2 years of business which reflected on my personal tax return. We could not complete the loan, but I was still issued a hard inquiry. If we would have spoken about my change of income beforehand then we wouldn't have spend over an hour on the phone and I would have never had a hard pull on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi, This is in regards to inquiries made on my account. I recently accessed my credit report and found inquiries on there that I did not request or authorize, These inquiries are hurting my credit score and I would like to have them removed from my account. I contacted Transunion and XXXX, however, they said they are unable to help me in this regards. I tried getting in touch with the vendors who did the inquiry on my account and they were unable to assist me or provide proof of me requesting credit and they were unable to provide any details. 

Here are the inquiries made to my account that I wish to have removed : 1 ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2 ) XXXX Inquiry from XX/XX/XXXX 3 ) XXXX/XXXX Inquiry from XX/XX/XXXX 4 ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5 ) XXXX/XXXX Inquiry from XX/XX/XXXX Please remove these unauthorized inquiries from my report. 

Best Regards

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 2019-05-10
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX   partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Credit Account with First National Bank of Omaha incorrectly froze account despite on-time payments, because of accidental payment from incorrect account. After fixing the issue, was told account would be unfrozen ( despite that it should never have been froze in the first place ) then told it would be unfrozen after 3 consecutive payments, now being told to wait till XXXX. Despite being told it would be ok on XX/XX/26 then 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