BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: Navient Solutions, LLC.
State: NC
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:
I struggled to make monthly payments on several student loans totaling just over 90,000 since I had left school before graduation I was unable to consolidate my loans. Some of which had interest rates over 10 %. After falling behind on my loans I recieved multiple daily harassing phone calls and letters. Several members of my extended family also received calls where reps claimed they had been listed as contacts on my loans ( they were not ) It was offered to put me on a payment plan. In return for 6 months of payments my account would be brought current. I set up an automatic deduction from my bank account and completed those 6 months of payments. At the end my account was not brought current. When I questioned this I was told the funds were not applied to one of my loans and therefore they were all ineligible to be brought current. This issue was never resolved and I defaulted on my loans after almost 40k of interest was added to them over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have sent letters to the companies as well as dispute with the credit reporting agencies about these alleged accounts on my report, as well as a bankruptcy on the account. I also asked for verification of the validation since I am being told that it is still accurate and correct. I was told they have a contract with the reporting company and that do not have to disclose any of that information with me as the consumer because it matches my social security number.

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 2018-01-23
Company: General Motors Financial Company, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We got a 0 % interest loan through GM Financial ( XXXX ) in XX/XX/XXXX. The payment is {$440.00} per month and we make a payment every Monday of {$120.00}. This put us at least 8 months ahead of the scheduled payments. I am getting red flagged on my account saying we have late payments. I have contacted them through their website repeatedly with to response. I have contacted them via phone on XX/XX/XXXX, to which they stated they would go back into my account only to XX/XX/XXXX and credit the account {$250.00}, but did not. Which is NOT a suitable solution. Since XX/XX/XXXX I have tried to call repeatedly, but can not get through and eventually the call gets dropped while I am on hold. 

With a 0 % loan that I am far out ahead of the payments on, I am now in risk of them reporting this to the credit bureaus and having a negative effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I spoke with a company who Identified themselves as XXXX XXXX XXXX  verbally and via email. they are claiming that they are handling my debt from Huntington bank. here 's the problem prior to XX/XX/XXXX ( XXXX day ) I had no previous knowledge of an attempt to collect a debt and the company was just looking for the debt to be satisfied right away and wanted my card information. upon feeling unsure I contacted the company multiple times but always got different answers. So in short the company made me aware of Huntington bank planning on suing me if the debt is not settled. the issues here are that neither Huntington nor XXXX have any knowledge of a lawsuit and upon asking this company what regulator governs collections agency they blocked my number from being able to call. Also the most important thing in all of this is that the debt to Huntington was charged off in XX/XX/XXXX which is over 7 years ago and in Ohio statute of limitations are six years regardless of the type of debt. The time limit is counted from when a debt became overdue or when a borrower last made a payment, whichever happened more recently. If its been more than six years, a creditor can not sue a debtor for debt collection purposes. Please investigate thoroughly the only information I have on the company is their phone number which is XXXX and they sent me and email that came from XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Ive already reported that there was issues due to being a victim of identity theft closing my account with Bank of America. I got a email today about a portfolio. I no longer have the account number that I closed and reported the issue about in XX/XX/2020. There was no unsubscribe button to unsubscribe and have or get the account closed.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: TX
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:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.

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 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Im opening this complaint because Im having an issue with my XXXX XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX  XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX  XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX  XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX  XXXX - Instead, XXXX  XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX  XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX XXXX XXXX didnt read the letter for XXXX when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX  XXXX XXXX XXXX Instead, all or portions on My student loan information got removed from my credit report ( s )  which is very damaging as it has caused a major drop to my credit score right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX  XXXX accounts. Im not happy about this as Im sure no one else would be.

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 2018-01-16
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX a threat of a lawsuit to take my wages was sent to my employer. This debt is over 10 years old and from a divorce. 

XX/XX/XXXX {$470.00} cents was taken from my bank account that was being processed for child support payments. 

I was fined from the bank and child support services an additional {$300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I have a checking account with Wells Fargo. Carry large balances in the account. I opened a XXXX XXXX trading account to buy some XXXX. I set it up as a ACH from Wells Fargo checking account in the amount of {$5000.00}. Seven days later, XXXX XXXX sent me an email saying trade was cancelled because XXXX did not honor the ACH. I went into the XXXX branch and they said there was a hold on the account due to a suspicious ATM Card charge. I was never notified that there was a hold on the account. No email, call, nothing. The cancelled trade has cost me over {$5000.00} and i am going to go after the bank. I have been speaking with the branch manager and she has not been helpful. I have asked for proof of the attempt to contact me and have gotten nothing. This is unacceptable. Wells Fargo needs to be responsible for this.

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 2022-08-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act this information has violated my rights. 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 a account without my written instructions. This is in clear violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The property associated with this Ditech loan was sold on XXXX XXXX, XXXX. The attorneys who closed on this loan asked for a payoff figure which was provided by Ditech onXX/XX/XXXX. The payoff amount was {$150000.00} and was good through XX/XX/XXXX. 
At closing on XXXX that amount was deducted from my proceeds and was wired to Ditech the same day. 
Even though Ditech knew the loan was closing they funded a flood insurance policy on this property which is a condo and is covered by the HOA flood policy. The charge for this policy, on the contents ONLY of a two bedroom - two bath condo that was closing for {$170000.00}, was {$4500.00}. That policy was never provided but a policy that they later charged me for was charged at {$110.00}. Their claim is that because the {$4500.00} was taken from my escrow account on XX/XX/XXXX it made the payoff amount received too little to close the account. 
They decided to keep charging me for escrow payments on this condo that I do not own and have even paid the County taxes for two years and have charged those to me even though the County has returned at least one of these payments which they have not credited back to the escrow account they are still using for the condo I no longer own! 
The attorney that represented me at closing has tried to correct this, I have tried to correct this but they continue to charge expenses for this condo that I do not own and make harassing phone calls and will not close this account.

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 2018-06-05
Company: EQUIFAX, INC.
State: TX
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 recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/XXXX. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/XXXX and they have not updated my payment status since XX/XX/XXXX. Since XXXX has not updated my credit since XX/XX/XXXX it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/XXXX. It is now XX/XX/XXXX and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: SC
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/2022, I requested an investigation into some accounts on my credit profile that did not look accurate. I noticed some accounts showed I owed a balance while others said I had late payments. I know that in order for the bureaus to be compliant with the FCRA, they have to be able to provide supporting documentation for each entry on my credit profile. Once the request was submitted, I waited the 30 days to give them time to respond to my request, but no verifying documents were provided to me and the accounts remained. 

I requested a re-investigation on XX/XX/2022, and the items were still left of my credit profile, with no supporting documents, after the 30 day period. At this point, XXXX, XXXX, and Experian are in violation of the FCRA. 

The accounts in question are listed below. 

XXXX XXXX Account Number : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX This was a pay per delete agreement. Why is this still reporting on my profile? 

XXXX Account Number : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Payment history showing late payments was not provided No Name Account Account Number : XXXX This account does not have the name of the company that say I owe them. Incomplete account. How is this verified?

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 2021-11-22
Company: AES/PHEAA
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TO WHO EVER RECEIVED THIS, MY NAME IS XXXX XXXX XXXX XXXX TRYING TO ADDRESS A SITUATION. WHERE MY STUDENT LOAND ARE CONSOLIDATED AND I TRY TO CONTACT XXXX XXXX XXXX IN REGARDS OF IT, SO THEY COULD TAKE ANY ACTION ON THE REMOVAL OF THIS ACCOUNT. HERE THE ACCOUNT NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have tried twice with letters to have Experian remove fraudulent names and addresses from my credit report. My legal name is XXXX XXXX XXXX, my legal address is XXXX XXXX XXXX XXXX XXXX CA XXXX, my SSN card identifies me as such. The names and addresses still on my report do not belong to me, I can not receive mail at any other address and the names listed other than my legal name could be fraudulent. It is my right under the FCRA to have correct information so my score is not impacted adversely.

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 2019-02-14
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a cash-out mortgage refinance through Rocket Mortgage in order to pay off some credit card debt back in XXXX of 2018. Our loan officer chose to put us in an FHA loan even though we had more than enough equity in the home and both my wife and I have excellent credit.

Before closing on the loan, there was only a mention of MIP or 'upfront mortgage insurance premium ' as a line item in our closing costs. There was absolutely no mention of that money ( {$5600.00} ) being non-refundable, as we came to find out a year later when we recently refinanced in order to move to a conventional mortgage.

Our new loan officer assured us that at least a portion of that {$5600.00} would be refunded after the new loan funds and the old FHA mortgage is paid off. He stated we can use our FHA case number to apply to have a portion of our MIP refunded totaling around {$3900.00}. This became a deciding factor to move out of the FHA loan and into a conventional mortgage.

However, when I called FHA HUD they gave me a different story, stating the money we paid last year is now gone, and we are not owed a refund. How is that possible?? We basically paid almost $ 6k for the pleasure of having an FHA mortgage for less than a year. Had we been made aware of this ( non-refundable ) payment back in 2018 we NEVER would have agreed to the FHA loan, and it was the responsibility of Rocket Mortgage to make that fully clear. This is a lot of money that we are out, for no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Between XX/XX/XXXXandXX/XX/XXXX I.C System inc placed a collection on my account originating from XXXX XXXX XXXX that is said to be opened XXXX of XXXX. This information is inaccurate and the debt for {$770.00} is not owed to me. I have already disputed this collection from XXXX XXXX on my XXXX acct and had it removed showing as credence resource management in XXXX of XXXX. It seems as though my information is being sold and sold again. I have already stated the information is inaccurate, not validated and is not owed to me when speaking with them on numerous calls a day even weekends. I am asking this account be removed not only because it is inaccurate and not owed to me but I am in the process of buying my first place as I am a single mother of XXXX living in a house of XXXX. I had my credit in line with no phone bills as required and they slap this account that I am unaware of onto my credit hindering me from moving forward with this process. I am pleading for a resolution to my problem with this company. I take two steps forward and they hit me with something else. Although the accounts are unfamiliar to me it is still an Excruciating process to have your name and credit cleared of false information.

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 2019-07-18
Company: EQUIFAX, INC.
State: IL
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:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX   XXXX not mine XXXX XXXX  XXXX XXXX XXXX {$180.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: OR
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 ID theft that occurred in XXXX of 2021. I reported this issue to the 4 credit bureaus and 3 of the four have acted instantly on the issue, however one refuses to and even claims that I am lying about the issue. I have been in contact with them numerous times, twice over the phone for over 45min ea, with still no resolution. I have spent countless hours tracking down information to prove them wrong. I have even spent time and money mailing them paper copies of all information, but to no resolution. I have documented all contacts with them and can provide all necessary emails / paperwork I have. Equifax refuses to follow the FCRA, and places me at blame.

Company response to consumer: Closed with explanation