BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: LendKey Technologies, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint:
On XX/XX/XXXX, my granddaughter, XXXX XXXX, applied for a student with XXXX XXXX XXXX XXXX, through a subsidiary XXXX, with myself as a co-signer to attend XXXX University, a HBCU. Before completing the cosigner portion I called the company because of the options was retired and working, but I could only select one. So I asked the rep what should I do since I am a federal annuitant and I am still employed 9 months of the year. He stated I should just report my total income for the year. I received an email requesting copies of my 1099Rs, I forwarded copies of my OPM 1099 R, Social Security 1099R and W2 for my employment. I received another email requesting copies of my 1040s for XXXX and XXXX, which I provided and the last two pay statements from my employer. The next email requested a statement of my retirement account, how much received monthly and how much remained in the retirement account. I called to explain that as a federal annuitant, my retirement is for my life time, provided a letter from XXXX dated XX/XX/XXXX, showing my monthly annuity and deductions that stated at the bottom of the letter that it is a lifetime annuity and a a letter from Social Security stating how much I receive monthly. I called to ask if there was any thing else i needed to provided as a cosigner. On XX/XX/XXXX, my granddaughter received an email stating her loan was denied because of debt to income ratio. MY GRANDDAUGHTER IS NOT EMPLOYED AND HAS NO INCOME, this process took 2 weeks for this run around. On XX/XX/XXXX, we went online and applied for a student loan on Sallie Mae website. In took about 10 minutes and she was approved for a loan for the exact same amount and me just stating I was a retired annuitant. No request for any financial documents. We were discriminated, I believe, on the basis that we were XXXX American borrower and cosigner and for no other reason. I understand lending institutions have different criteria for processing loans. But I was only a cosigner, no the applicant. Sallie Mae 's loan process with a cosigner could not be that different.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: PROVIDENT FUNDING ASSOCIATES
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello CFPB : This complaint is against Provident Funding of XXXX XXXX, CA. We had a home mortgage with XXXX but at one point this past fall they sold the loan to Provident. We had the mortgage bill on automatic payment from our checking account ( screen print attached ). The loan transfer was evidently not a change that we initiated and, among many other bills and with a busy family life, it took us a while to change the automatic payment information in our checking account but never missed a payment. When we found out about the transfer we called XXXX  and they assured us that we have some time to make the transition and they will forward the payments to Provident meanwhile. The XX/XX/XXXX-due payment, that still went out to XXXX, was eventually returned to our checking account however and not forwarded. We called Provident right away to say that we're rescheduling it to be sent to them and all so going forward. Their representative acknowledged that, informed us of the actual payment amount going forward ( which was actually smaller than our bill with the prev. lender ), and confirmed that we have until XX/XX/XXXX with the standard 2-week grace period. Against that phone conversation, Provident sent us a dismaying letter of default dated XX/XX/XXXX( no longer having it ), to which we responded on XX/XX/XXXX ( doc file attached ). The non-forwarded XX/XX/XXXXpayment had been re-made as discussed and all further payments have been made on time ( Provident screen print attached ). To add to the harassment, Provident now sends us a late fee charge of {$67.00} ( bill attached ). As a last resort we are asking that you please review the above and deny this charge. We further ask that you consider penalizing this lender 's aggressive practices, for a fair treatment of other customers. Thank you for letting us know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently refinanced our mortgage and were transferred to BSI Financial. Our first payment we tried to make was on XX/XX/XXXX through their online payment portal. We received a confirmation number and never heard anything else. Usually my mortgage payments get taken out right away and says processing for the amount until it clears. It never happened with BSI so I checked my bank ( XXXX  XXXX XXXX ) and called them and they said that they never had any record of BSI trying to take a payment. I called and they said it could take up to 10 days to process. I called back on XX/XX/XXXX and they said that I had been charged a return check fee. I had no notification of this and in the portal it said my payment had gone through XX/XX/XXXX and that my next payment wasn't due until XX/XX/XXXX. When I called the second time on XX/XX/XXXX, I asked why my first payment did not go through. The lady mentioned that in the notes it said that the number was wrong and told me to pay again. I did and she said it would process by Monday XX/XX/XXXX. I called for the fourth time on XX/XX/XXXX and the woman on the line walked me through the routing number and account number that I used that she could see on her end. It matched my account perfectly. She even mentioned that she had no clue why it would have bounced and said maybe it was something on XXXX  XXXX XXXX 's side. She got me a waiver for the phone payment and ran the payment for me again. I called XXXX   again after my 40+ minute phone call with her and they said that it is XXXX XXXX so the mortgage department is closed at XXXX  but she said they had no record of any transaction or attempted transaction. I am beyond frustrated and just want to pay my mortgage. I have never had a single fee or a late payment and we are getting dangerously close to that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following items right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2019-01-16
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have filed for a modification with Fay Servicing. They denied saying my investor only allows one modification-but they will not give me a copy of investors rules. They also said i dont make enough for a repayment which is incorrect. I am 80 days behind and I told them I could pay 2 months on XX/XX/XXXX and 2 months on XX/XX/XXXX. You would think they could work with us and in the meantime on XX/XX/XXXX they took one payment and every month i have paid one payment until I figured this out. I have consistently showed an effort. The only thing they offered is a deed-in-lieu which i am denying because I can get caught up. I appealed the deed in lieu and nothing changed. and my last resort will be bankruptcy.This is a terrible servicer and if I file bankruptcy, they will wait 5 years for the money. This makes no sense. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: NJ
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2018 I paid off my car loan. On XX/XX/XXXX, I created an account with XXXX XXXX to verify that it was showing paid in full. At that time I discovered that I had 3 accounts that I was unaware of on my credit report. Those accounts were : XXXX XXXX XXXX account # XXXX, XXXX XXXX # XXXX and Mobiloans # XXXX. Unfortunately, I havent checked on my credit in Years. At that time I contacted an Attorney via my XXXX XXXX to discuss the matter.

He instructed me to report this to the Federal Trade Commission which is Federal Law Enforcement, to request my credit reports via the credit bureaus and to file a complaint with the CFPB. I made the Identity theft report via FTC and the report # is XXXX. In addition, I received my XXXX report in the mail yesterday.

I am very confused as my credit report is showing that the above mentioned accounts were opened over a Year ago and in 2 of the cases it appears that payments were made at some point. I have never applied for a XXXX XXXX, or XXXX XXXX nor given anyone permission to apply for one on my behalf. I was an authorized user previously. I have never applied for a loan with Mobiloans. I have not had a need for a loan in that I make a very comfortable salary and have limited debt.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, {$8300.00} XXXX 
XXXX XXXX  XXXX, {$1700.00} XX/XX/XXXX. 
XXXX XXXX XXXX, {$0.00} XX/XX/XXXX I have reached out to these creditors and tried to get this worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had filed an original complaint regarding US Bank Relia Card ( XXXX ) regarding unauthorized transactions. Someone had stolen my Relia card and made two purchases using my card. One from XXXX  in the amount of {$850.00} and One from XXXX in the amount of {$230.00}. Both transactions occurred on the same day ( XX/XX/20 ). After numerous phone calls I did receive reimbursement for the XXXX  transaction however I never received reimbursement for the XXXX transaction. The response letter from US Bank Relia Card that you received for the prior complaint ( XXXX ) states that they did refund me {$850.00} for the transactions. This is not correct. It was for one of the transactions. I have yet to receive the {$230.00} for the second transaction. I have called the bank numerous times only to be told my case has been closed and all monies refunded. Again this is incorrect. I am still owed {$230.00} for the unauthorized XXXX transaction. I filed a report with the XXXX XXXX Police Department in XXXX, PA the same day that my card was stolen and they have both transactions listed in their report with the unauthorized amounts.

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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Certified letters were mailed to TransUnion, XXXX  & XXXX on XX/XX/2021, to address unauthorized fraudulent information being reported on my credit report. No response 60+ days later.

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 2017-08-10
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX has continued on several occasions to ignore repeated written requests for proof of documentation that were sent via mail and has violated federal laws by not responding to my written requests via mail. I have reported the creditor to the Georgia State Attorneys office for violating both state and federal laws. I have notified the creditor several times that this debt is not valid and a error was made on the part of the original creditor. The original creditor removed this debt from my report due to their error and has sent me a letter in writing notifying me of the removal of the debt. XXXX XXXX has willingly reported a debt they know is not valid and has failed to contact the creditor regarding the debt. I do not owe XXXX XXXX XXXX  and XXXX refuses to remove this debt knowing it is not valid.Also, XXXX does not have the consent of XXXX XXXX XXXX to report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
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: Personal information incorrect

Complaint:
XX/XX/XXXX - requested online a credit freeze from Equifax.

XX/XX/XXXX - received confirmation from Equifax regarding freeze, and suggested if information is incorrect to contact them at XXXX. 
XX/XX/XXXX - I called XXXX to inform them they entered my current address incorrectly. 

The customer service representative asked me all the security questions, a credit card company I use now, my social security number, my mortgage company & monthly payment, a previous address, my date of birth, etc. I answered all their security questions, I informed her they have my address incorrectly and needs to be corrected. She informs me I need to send a copy of my drivers license, copy of my social security card, and a letter stating what needs to be updated. 1 ) A sure way for someone to steal my identity is if I send the information she requested via mail. 2 ) I've already answered all their security questions over the phone, why can't they just update my information then? And if they can't, why bother asking me for all those security questions? 3 ) They made the error, it is their responsibility to update when contacted. If not, why bother asking us to call their customer service number. 4 ) Why am I not allowed to update via website? What is the purpose of their Personal Identification Number for the freeze if we can't even use it to update our information? 

Then I was transferred to the supervisor XXXX ID # XXXX, she informs me that I can have my BANK send information! Now that alone sounds like someone trying to steal more than my identity. 

This is absolutely unacceptable, if the only way for them to update their error is for me to send my personal information via mail ( copy of Driver 's license & copy of Social Security Card ), then there is a huge flaw in their " security '' system.

Why do we even need 3 credit reporting agencies? If Equifax can not get their data correctly in their systems, then they should not be in the reporting business! Please revoke their license to do business!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered a copy of my credit report and noticed this company trying to collect on a membership that was canceled. I signed up for a gym membership and realized that I could not afford to continue to pay for something that was not in use. I called up the gym and let them know that I was no longer interested and did not expect to have a problem since I was not under contract. The woman I spoke with told me to come in and cancel and bring a letter stating the reason and I did that. I only visited the gym 2 times during the first month of sign up. This is an unfair and deceptive practice. They can search their records to corroborate information. I will NEVER us XXXX XXXX XXXX again because of this and I plan to advertise my experience. Lastly, I am not sure what information was used to even have them be able to add a debt not owed to my credit file.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have gone back & forth request a supervisor and these XXXX just give me generic robotic answers and keep giving me the runaround. 1. I have repeatedly told them I CAN NOT log into this website on a desktop. When I login via mobile I get an error message and have to go back. 2. I have asked them for the full web address that I should be using to manage my credit card as sometimes companies move to a different website or merge, but dont give me any answers.

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 2021-06-02
Company: Resurgent Capital Services L.P.
State: CA
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 filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Another debt collector like XXXX XXXX XXXX XXXX that pretends to collect a debt with out investigation the nature of the truth.

They said the same as XXXX XXXX XXXX that debd is been validated, then when I requested original documentation where shows amounts owed, they just switched to another company. I personally believes this is the game the utilize to rip off people with the excuse of " collecting a debt ''. Their practices are not completely clear.

I have had trying to contact them several times and never answer, neither provide the information requested.

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 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT FILES AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE THREE CREDIT BUREAUS AND WAS ADVISED BY THEM TO GET A POLICE REPORT I DID AND MAILED IT OFF WITH THE FRAUDULENT ACCOUNT INFORMATION. THE FRAUDULENT INFORMATION IS ( XXXX XXXX XXXX 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 2021-07-15
Company: EQUIFAX, INC.
State: TX
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following account below was closed on XX/XX/2011 has a {$0.00} balance and has past the seven year SOL and should be removed from my credit report.

XXXX XXXX # XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation