BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am currently XXXX and being supported. I got behind on my payments and called on XX/XX/2019 to see what could be done in order to lower my payments so that I could not get further behind on my loans. I gave them all my financial details and told them how much I could afford to pay. They determined that I could afford more and so told me what the " lowest '' possible payments could be ( enough though it was beyond what I could actually afford ). I sacrificed making other bill payments and also sacrificed groceries in order to come up with the payments that they are expecting me to make. I gave them my banking details and agreed to {$130.00} payments. I get a phone call today ( XX/XX/2019 ) AFTER my first payment was made ( XX/XX/2019 ) and was told that their representative gave me the wrong information ( interest rate ) and that I needed to pay MORE ( higher interest rate ) if I wanted to be accepted into the reduced payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted to Equifax a list of accounts that i want to dispute. After numerous weeks I get a letter attached stating that they need to verify my identification even though I have logged on their website and downloaded my credit report and was able to see the inaccurate credit lines on my report. I always have an issue with Equifax response to an issue and pulling my report. I am requesting equifax immediately respond to my request or remove the inaccurate and bogus accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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 kindly request that you thoroughly investigate this matter, acknowledge the error, and promptly rectify it by eliminating the unauthorized inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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: Account status incorrect

Complaint:
My insurance paid off my XXXX after an accident but XXXX XXXX has it as a charge off on my credit report and has caused my score to suffer tremendously and really has limited my financial flexibility! This loan has been paid off and I want this reflected in my credit report! In the notes when I click on that account through XXXX XXXX  it says that it has been paid off and dispute has been resolved! I also got a letter from XXXX  XXXX saying that it was paid off and this was XXXX off last year. Im not understanding y 7-8 months later it still hasnt been reported to my credit monitors!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2013 {$3800.00} not familiar with this debt account!

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A fraudulent utility account appeared in collection on my credit report. I did not notice the issue until XX/XX/XXXX even though the account was opened in XX/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 explanation
Consumer complaint received 2019-10-28
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company : GM Financial Date : XX/XX/2019 ( Date of Notice0 Issue : Negative reporting to credit agencies Summary : GM Financial company reported one time 30 days of delinquency on my car loan payment. I had auto-payment set up for this account, hence I was under impression that the payments were being made in a timely matter. I received a notice from GM Financial in writing without any prior phone call nor notice in XXXX. Upon receiving a notice, I took care of the late payments right away and have asked my bank to look into the auto-pay system. I have asked the company to remove any negative reporting on my credit score, but they stated this issue should be resolved with the credit bureau. The GM Financial acknowledged electronic mistakes from both sides and waived late payment fees. I am writing to request the Consumer Financial Protection Bureau to remove this one-time negative report on my account. Thank you very much and please do not contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: RI
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:
Yes I paid my account off months ago and still reporting with a large balance which isn't so.

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 2023-06-17
Company: EQUIFAX, INC.
State: AL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My car was broken into and my wallet got stolen with all my personal information. I contacted the credit agencies to inform them of incorrect and fraudulent information i noticed on my consumer report but they are still reporting these fraudulent accounts and addresses.

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 2021-01-02
Company: Paramount Recovery Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently tried to apply for a new credit card and didn't get accepted due to a collection n showing on my credit report. I was unaware of the bill and would have never found out the bill existed if I hadn't run my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Volunteer Mortgage Loan Servicing
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted Volunteer Mortgage Loan Servicing the end of XXXX of this year to make sure that my mortgage insurance will decrease according to my principal and will reflect on escrow analysis. A supervisor assured me that this would happen and it didn't. It decreased by {$.00} as if I had paid the minimum monthly payments all year, but I had my principal down almost {$20000.00}. I emailed them months ago because they were not accepting calls, and I don't think they replied. I called them in XXXX, and they answered. The rep told that they get their numbers from HUD. I contacted HUD and they said to contact your agency. It just seems like I'm getting the runaround and no one wants to get the bottom of my concern/request. It's very frustrating that I have to go through for something that I feel like should already be happened. The amortization schedule that my closing attorney gave me shows that my mortgage insurance should have decreased by almost {$13.00}. I want to get this rectified because I am continuing to pay extra on my principal, and I don't want to have to go through this again next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2023-05-18
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX I woke up to find out that my paypal account had been permanently limited with no valid reason as to why this happened in the first place. I only truly started using my account more towards the middle of XXXX and had no issues until 2 months ago. 

I would use my account for things such as payments towards subscription services, the purchasing of video games, or even commissioning artists for my own personal passion projects. But one day without warning my account is permanently limited, barring me from the one service that everyone else can use without any issue, making my business related transactions much harder to complete on my own now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was never made aware by Navient when they took over my Direct Loans that I would no longer qualify for the public service loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
After EdFinancial reinstated my loan balance for the {$10000.00} in student loans payments I made during the student loan forgiveness that I requested, they subsequently reversed the {$10000.00} and told my I have to call my current loan servicer because that is who they received the final payment from. I personally made {$23000.00} in payments before I refinanced. I should be refunded for the payments I made to Edfinancial, not XXXX XXXX. Furthermore, the balance of {$10000.00} needs to sit on my Edfinancial loan in order for it to qualify for the student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech has continually misallocated my monthly payments. After each occurrence I contacted the company to resolve the issue. I was continually told they would fix the problem and make sure future payments were allocated correctly. Yet the very next monthly payment was misallocated. Due to these errors, my payoff amount was incorrect and I overpaid. Ditech said they would investigate the problem and if I was owed any money they would send it in 30 days. They made an error yet they hold my reimbursement money hostage. 

The misallocated funds occurred in XXXX of XXXX, XXXX of XXXX, XX/XX/XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. Regular payments were applied to additional principal and any extra principal payments were applied to regular monthly payments then I was charged late fees, interest, etc. because the full monthly payment was not paid. 

There were also months that I did not receive my monthly statements. I had to contact Ditech to get a statement in order to have a voucher to send with my payment. 

My escrow was calculated incorrectly and misapplied as well. Ditech said they could not send me a corrected escrow statement when I asked for it. I never received anything stating the error was corrected. 

When my monthly payments were applied to additional principal, I was told by Ditech, that I had made the payments 1-3 days before the payment was due so they applied it to principal since my account was current. However, in the past I had made payments every two to three weeks and there was never a problem. If their policy is to apply all payments to principal should they be paid 1-3 in advance of the actual due date, they should have informed me ( the consumer ) of this change in policy. However, they did not. They continued to misallocate the payments despite my numerous attempts to rectify the problem. I even spoke to supervisors and was told someone in a management position would contact me to discuss the issue. This never happened. No one ever contacted me. 

Ditech customer service is extremely poor and they are not interested in resolving problems. Yet they are quick to add late fees, etc. and to take your money and keep your money despite their errors.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 I got a email from chime stating my account was closed due to Account does not comply with internal policies and/or the member agreement & your account is not in compliance with your Deposit Account Agreement. And they will issue me a refund check. But I dont understand I dont have any fraudulently activity on my account. I constantly contact them for some to explain exactly whats going on because they literally have all of my money. I can not pay any of my bills and XXXX XXXX. The last charge that I disputed was Right touch beauty for {$1200.00} for scamming me and damaging my hair and chime denied my claim. So I sue her in small claims court and won the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: NY
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:
AFTER SEVERAL ATTEMPTS AT TRYING TO GET THE XXXX XXXX NEGATIVE ACCOUNT FROM MY CREDIT REPORTS, NOTHING HAS BEEN DONE. PLEASE INFORM ME AS TO WHY THIS ACCOUNT STILL REMAINS NEGATIVE ON MY CREDIT REPORTS. THIS ACCOUNT IS FROM XXXX OF XXXX, AND FIRST ATTEMPT AT DISPUTING THIS NEGATIVE ACCOUNT WAS BACK IN XXXX OF XXXX. IT'S BEEN WAY TOO LONG SINCE THIS ACCOUNT CLOSED AND I NEED A GOOD, SELECTIVE RESPONSE AS TO WHY THIS IS STILL REPORTING NEGATIVELY. NEITHER EQUIFAX, XXXX OR XXXX   HAVE DONE ANYTHING ABOUT THIS MATTER. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY, THIS IS REALLY HURTING ALL THE GOALS I AM STRIVING FOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an interest checking and savings account with Citi bank online. I have a credit card with them and a closed checking account. I had to wait until I got the debit card to register my account online. When I did, I was told that I had to call. 
I called and was on the phone for an hour, literally, and talked to FIVE different people. At first they said my account was blocked but then they said it was unblocked and that I should wait 24 hrs to try to register. I didn't trust them so I waited longer. Got the same message to call and I did and they said it was STILL blocked and that I had to send them additional documentation ( different documentation than they requested the first time AND there was no mention of these documents in the welcome packet they provided which did say that there may be additional documents to be sent in but there was no docs listed ). 
I called again and talked to two different people who said that there was still a block and that they'd send a docusign link in 24 to 48 hours. 
They were able to take my {$1500.00} out of my other accounts immediately but they can't give it back and have now blocked my access to my money.

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 2019-10-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-12
Company: Experian Information Solutions Inc.
State: NY
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2018-04-17
Company: Receivables Performance Management, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon reviewing my credit reports via my credit monitoring services, I was shocked to see a collection account listed from a company that I have never heard of before by the name of Receivables Performance located at XXXX XXXX XXXX XXXX in XXXX, WA. The account listed is for a cable bill. Again, I have never spoke with anyone from this business regarding a cable account. This company has listed that I made a payment to Receivable Performance XX/XX/XXXX in the amount of {$220.00}. 
I have an active account with XXXX XXXX, which is XXXX Now. I spoke with a live representative on made a payment of {$220.00}. I received a confirmation number of XXXX. On XX/XX/XXXX the said amount, {$220.00} was deducted from my bank account. 
Please remove this collection account from XXXX, XXXX, and XXXX in this company has in fact reported false information immediately. I have never made such payment to Receivable Performance.

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