BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have written Equifax numerous times about the reporting of 2 Public Record being reported on my credit report. I have sent the a letter from the Bankruptcy courts stating that they do not report to the credit bureaus and a letter stating this information should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Navient Solutions, LLC.
State: PA
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 attended an XXXX school name XXXX XXXX XXXX in XXXX. I took out a student loan for the XXXX semester of XX/XX/XXXX. When the school winter break was over and the 1st week of school we was told that the school was losing their accreditation and the spring would be ending early around XXXX instead of the normal time in XXXX. So I was never able to take my spring courses bc of the school closing early due to the lost of accreditation. The disbursed the money to the school in XXXX of {$2600.00} which i did not attend any classes and the administration said that my loan would be cancelled since the school was closing. than years later i found out i still owe for a loan I never used. I been trying to talk to so many people and Navient the current loan owner which Sallie Mae was the original loan owner about this problem but since the school is considered open instead of closed even though no one attends and there is no administration they just wont consider it a close school bc the school keeps filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: AES/PHEAA
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, three days before my agreed-upon rehabilitation payment of {$640.00} was due, I called XXXX XXXX XXXX to explain that my financial situation had changed and that I needed a new audit of an income-based payment. A service representative indicated that they would cancel the payment on the XXXX, and re-audit my income and expenses to formulate a new payment, advising that a payment wouldn't come out until they reached a new amount. On XX/XX/XXXX, a date not authorized for a transaction, {$640.00}, an amount no longer authorized, was withdrawn from my personal checking account. I'm told on XX/XX/17 that amount was withdrawn in error, and that they are re-issuing a refund that won't be processed for 60 days or so. The debit on my account left my checking account negative and was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Specialized Loan Servicing Holdings LLC
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I requested a payoff quote for my HELOC. I received a quote of {$950.00} along with wire transfer instructions to payoff and close the account. On XX/XX/2019 I executed the wire transfer per Specialized Loan Servicing direction through my local bank. The payment was withdrawn from my account on XX/XX/XXXX. On XX/XX/XXXX I became concerned because my HELOC had not been credited or closed. I called SLS and was instructed to have my bank fax proof transfer to SLS. My bank did and I as well sent an email copy to SLS with proof of transfer.On XXXX my HELOC still did not reflect the payment so I called and spoke to SLS customer service supervisor XXXX who indicated to me that he had the Fax from the bank and the email from me proving the transfer and he would expedite the payment with the Cash Office and should be resolved no later than XX/XX/XXXX. XXXX gave me his direct number XXXX. XXXX the payment still had not been applied so I called XXXX 's direct number, received no answer and left a voice message. XX/XX/XXXX called XXXX again and left a message again, payment still not applied. I left an email via SLS website contact information on their website on XX/XX/XXXX also. XX/XX/XXXX I received an electronic response from SLS saying they researched the wire transfer but could not locate it so they are closing the payment search request and will not be crediting my account. XX/XX/XXXX I spent an hour on the phone with multiple levels of supervisors just to get the run around, XXXX at one point told me I should hire an attorney. At this point the money was removed from my account XX/XX/XXXX, my bank has proved proof of accurate transfer, I have provided proof of accurate transfer, XXXX and XXXX as well as several other customer service agents have verified that they have seen proof of accurate wire transfer for the payoff amount but my account still has not been credited and closed, in fact they are sending me over due notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Granite State Management never sent the invoices to my correct address. They sent invoices to my father XXXX XXXX 's address in XX/XX/XXXX. I was living in XXXX XXXX, NV from XX/XX/XXXXXXXXXX/XX/XXXX and I now live in XXXX XXXX, CA. I never received any bills or invoices. Furthermore, they never emailed me, called me, faxed me or contacted me. They have zero accurate information about me. 

I only knew about the invoices when I came back from visiting XXXX XXXX in XX/XX/XXXX to my parents home address. By that time, Granite State Management had already had my invoices as 120 days late. 

I paid immediately the amount due and I have never missed a payment when made aware of the invoices. This can easily be seen with my account balance history. However, Granite State Management REFUSES to change these late payments and correct them. I filed multiple disputes with all 3 credit report agencies and none of them will make any changes because Granite State Management will not make the corrections. I never received any invoices or bills from Granite State Management. I was living in Nevada and can prove my residency from XX/XX/XXXX on. I was also never contacted. Granite State Management never spoke with me directly once. 

I have never made a late payment in regards to this account and never will. Granite State Management needs to correct the late payments and remove them. I can provide and will provide all documentation needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: FC HoldCo LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Flagship credit has called me between 4 and 11 time a day, uses harassing verbage and scare tactics. They have threatens to repossess my vehicle the day after a payment was made and today refused a partial payment because they placed me in 'recovery ' which, according to flagship, they will ask my neighbors about when I come and go, if they've seen the vehicle ( gated community that is zoned as private property so per OKC zoning it is illigal to solicit or trespass ), will show up at my work and ask my supervisor where I am and will wait at my kids school for my wife to show up and tow the vehicle. Their threats are bothersome and I have been written up at work for my phone going off repeatedly. I have a special needs child so I have to check my phone when it rings. Flagship has been informed of my disciplinary action because of their harassment and lack of decency. Yes, I am behind on my payments due to covid-19 and am doing everything possible to get caught up but that doesn't give them permission to treat me like 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 2021-12-09
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX Account Number : XXXX ACCOUNT REPORTING BALANCE BUT IS CHARGED OFF THEREFORE IN VIOLATION OF FCRA!! 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX These XXXX ACCOUNTS ARE PAST THEIR STATUE OF LIMITATIONS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: CA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ), I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ), Equifax is liable for damages due to non-compliance and shall compensate me for {$1000.00} per inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made several attempts for XXXX XXXX XXXX XXXX to remove incorrect debt posted to the credit reporting agencies. They have failed to acknowledge correspondence and continue to submit debt validity and not show proof that debt was paid directly to original creditor when I refinanced my home. Homedepot lost/never cashed check. I tried to request that they waive penalty fees and they refused. Citi Bank/Home Depot sent a settlement letter which was again paid by escrow company. Check was cashed by Home Depot and I shouldn't be punished for their error. 

This issue has been going on for two years and is causing me financial harm.

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 monetary relief
Consumer complaint received 2019-02-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have asked the Equifax, XXXX and XXXX to reinvestigate this account being reported to them and ensure that accurate and fair reporting will be done, but my request was not granted, hence I am asking for your agency 's help. 

There are inaccuracies the way this account was reported to the bureaus. Let me tell you why : XXXX : The limit, past due amount, and balance were not reported, Also, the payment history shows multiple CO marks which are erroneous. 

XXXX  : Monthly payment and limit are missing from the report, and payment history shows multiple CO marks which are inaccurate. 

Equifax : Terms, high balance, limit, past due amount and payment history are missing. 

Clearly, this account was not properly investigated and reported. If the report came from XXXX XXXX, then why it is that each of them reports this account differently? Are they not suppose to have the same information as they all gathered it from 1 creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: ZIONS BANCORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company involved is Zions Bancorporation, N. A. The issue is the fraudulent way they go about requesting proof of insurance. I would say at this time, the problem is systemic within the industry. The scam goes like this. Your mortgage company request proof of homeowners insurance for a mortgage. However, they require that it be sent by facsimile only. WHO USES FAX IN THIS DAY AND TIME? I am surprised they don't request a stone tablet. Anyway, it makes it too convenient for the mortgage company to say that they never received the fax. THEN, they charge your mortgage balance for insurance. They don't tell you exactly, and you would never know because your payment never changes but the banks and mortgage companies are pocketing millions in fees. I know because I check my account. ALSO, this is the second time that this has happened with this particular organization. And the last time, they vowed that they would take emails. THEY LIED. All companies I have ever done business with employ these tactics to take advantage of poor and unsophisticated mortgagors. There should be a law against this practice.

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 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am wondering why on more than one occasion I have applied for a loan and have received multiple hard hits on my reports when they are for the same loan and suppose to count as one hit and are counted as up to as many as 7 hard hits.I don't understand how it is ok for them to put people 's credit in the trash like that.The end of last year for a refinance is one occasion and even had the same bank count as I believe 4 hits on each report for a loan.Most recently I bought a truck last month and took 7 hits on one report alone.

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 2018-01-17
Company: BB&T CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a follow up to a complaint filed at the end of 2016, claim # XXXX. I have tried for about 9 monthsto get in contact with the BB & T 's Senior Vice President Complaint Resolution Manager XXXX XXXX XXXX. I received a standard letter after filing the complaint with the CFPB in XXXX 2016. I received it early last year. I sent a letter and called his office using the contact information on the token response letter. I was trying to get a specific explanation about my problem instead of form letter. I am not quite sure what action to take next. Your guidance in this situation would be greatly appreciated. 

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 2018-01-12
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection listed which is unknown to me, I have disputed this with no validation being received. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: GA
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:
I have several unauthorized/ unverifiable hard inquiries that Ive been disputing since they appeared on my account. Some have been reported to my XXXX  as well. With documentation they have been removed. Ive went through every single channel and outlet and equifax is making it impossible to remove these inaccurate information. Ive contacted each and every single creditor to these account and they havent and been unable to verify these inaccuracy. My credit rights are being violated and Im making a formal complaint. 

These are the hard inquiry that needs to be removed immediately because its making it hard for me to obtain anything credit related XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have written and disputed XXXX XXXX AND RMP SERVICES about all of the accounts listed on my credit file. RMP CLOSED AND REMOVED ACCOUNTS on each of the credit files XXXX XXXX and XXXX only to put the information BACK on my credit file. 

These amounts are NOT correct as I have always had DUAL insurance. I have asked over and over for a financial break down of these charges and proof that this is actually owed. I am demanding these accounts be REMOVED from my credit file and NOT ADDED BACK onto my credit again. 

There are 9 accounts listed for RMP SERVICES on XXXX  and they were REMOVED from my XXXX account. They were added and REMOVED from XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: KLS Financial Services, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are 2 medical collections from XXXX that are not mine nor are in my name or as the financial responsible party. The accts are listed as individual accounts, every time I dispute them they will appear again, I have asked for the original wet signature of the doctors application showing I am the holder and responsible party for these accounts, I have yet to receive them. Why? because they don't belong to me.I have advise the collector of this fraudulent violation. I am not responsible for these collections and I will not be held accountable for them! I have consulted with my attorney. This is a hinderance against and my character. At this point I am prepared to sue for court cost, legal fees and time if these are not removed and deleted forever. I am sick in tired of this company reporting fraudulent claims. I only need to find a few people in my position to cause a class action suit.

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 2018-11-01
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have employed the service of a foreclosure defense attorney who has been helping me navigate the short sale process. My attorney has maintained constant contact with my lender, Fay Servicing. However, the lender failed to notify my attorney or her staff that the lender scheduled a sale date for my property. During the short sale process, my attorney was assigned to a single point of contact XXXX XXXX, who failed to make a good faith effort to disclose all pertinent information related to my account or account status my attorney contacted Fay Servicing beginning on XX/XX/18 to the current date. On multiple occasions my attorney called XXXX XXXX, my single point of contact and asked if there were any new notes added to my short sale file or my account. On multiple occasions, my attorney asked Fay Servicing if there were any changes to my account status and XXXX XXXX failed to disclose that the lender scheduled a foreclosure sale date on my property while simultaneously falsely communicating with my attorney that there were earnestly reviewing my account for a short sale. It amounts to dual tracking and is illegal. A lender assumes the role and responsibility to disclose ALL information related to the status of a borrower 's account. They failed to disclose information to my attorney who contacted my lender on a weekly a basis. My attorney asked XXXX XXXX on XX/XX/2018, XX/XX/2018 and XX/XX/2018. XXXX XXXX lied to my attorney and said that there was no foreclosure sale date on my property. On, XX/XX/2018, my attorney spoke to XXXX XXXX 's manager, XXXX XXXX and he said that he didn't know why XXXX XXXX would have lied or provided false information about my account status. After pressing XXXX XXXX for a full and truthful disclosure, did he admit that the lender scheduled a sale date for my property on XX/XX/2018. Fay Servicing engaged in inequitable and fraudulent conduct when servicing my loan. As a fiduciary, Fay Servicing failed in it's implied duty of good faith. Furthermore, Fay Servicing stands to benefit from misrepresentations that XXXX XXXX and XXXX XXXX made to me. Fay Servicing is liable for constructive fraud. The lender has a duty to disclose all information related to servicing my loan and repeatedly failed to do so. I employed a foreclosure defense attorney to communicate directly with Fay Servicing. Fay Servicing is by far the most mendacious lender with unscrupulous lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are 3 accounts reporting on my credit profile that I have never opened not provided my permission to obtain these accounts

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