BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: Selene Finance LP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started the request for assistance in in XXXX, and signed the move forward loss mitigation program agreement onXX/XX/XXXX ( see copy attached ) to continue the process. I completed my Trial Payments and then followed the Final Modification Agreement with the Approval Letter dated XX/XX/XXXX ( see attached ) Upon receipt of the Final Agreement I signed it had it notarized as required. I called Selene and asked what was the quickest way to get the documents back to them and I was told I could do one of three things ; Fax it, Scan and email it, or send it my mail. In order for them to receive it immediately, I scanned and emailed, never once was I told that I still had to mail in the original documents. This is the issue : After the emailed documents were accepted I started to pay the amount of payment as modified {$800.00} and I have been paying this amount since XX/XX/XXXX. I have not missed one payment all have been on time ( see XXXX XXXX XXXX. statement attached ). So for almost a full year no one had ever told me that my original documents were still needed and they kept accepting the modified payments. Two weeks ago I receive a letter dated XX/XX/XXXX that my modification has been cancelled due to original Modification agreement not being sent in to Selene. If this was an issue WHY did they not tell me sooner that the end of XX/XX/XXXX? this is a complete error on their part. Now, I have a foreclosure date of XX/XX/XXXX due to them stating I am now behind on my payments. Again, I ask WHY NOW??? they had so much time to let me know as I have talked to so many Selene Financial Reps and no one ever said the emailed copies were not sufficient. I can not believe I am losing my house due to SELENE 'S error. Please help this is unacceptable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Penn Credit Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I discharged the alleged debt with Maryland State Comptroller by sending several negotiable instruments and according to UCC3-603 once a debt says that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. <P/>My letters are asking for pertinent information that they would not answer according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and 15 USC 1692 ( g-j ). I also asked about the original contract and original signature with them along with buying the debt for pennies on the dollar from Maryland State Comptroller. The alleged debt they bought it for {$440.00} and it became {$460.00} and reduced it to {$49.00}. How is that possible? <P/>Therefore, I am filing a complaint with your agency against Penn Credit, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Your offices can provide proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information and during such time all collection activity cease and desist. I would like all items to be delted.

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 2019-10-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi My name is XXXX XXXX and I was a victim of identity theft. When i checked my credit monitoring site for the first time i noticed fradulent student loan accounts on my credit report for over 8 thousand dollars ... From 2014 to present. I also notice a fradulent XXXX account from XXXX for over 900 dollars. And a fradulent XXXX XXXX XXXX   account for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: GUARANTEED RATE INC.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guarantee Rate Mortgage was our lender that we had an impound account with. They did not pay the second installment of our taxes which caused a penalty on our impound account of {$100.00}.

The loan was sold shortly after I notified Guarantee Rate that the tax account was past due and they did nothing to make the account current, even though there was plenty of money in the impound account to make the account current. 
The loan was sold to XXXX who made two tax payment within 45 days of obtaining our loan and also paid the penalty of {$100.00} which came out of our impound account. 
I have contacted the original loan officer at Guarantee Rate, called the number on the statement for Guarantee Rate and also notified their tax department as soon as I received notification from our local tax department that the account was not current. 
XXXX told me after an hour on the phone with them, that I would have to get the penalty refund from Guarantee Rate as they were the loan owner at the time the penalty occurred and when I talk to Guarantee Rate, they say that I need to get the refund from XXXX as they are the current lender. 
I have exhausted all avenues, provided tax information to both parties and do not know what else I can do. 
Please let me know if there is anything else I can do to get our penalty refunded that we paid out of our impound account for Guarantee Rates lack of payment on our tax account in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have a list of items that is not correct on all three credit reports! I have listed all the details below. 
1 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$53000.00} Balance owed {$62000.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$9500.00} Balance {$9000.00} 3 ) XXXX XXXX XXXX Account # XXXX ... ... XXXX Opened XX/XX/XXXX Starting balance {$1700.00} Balance {$1700.00} 4 ) XXXX XXXX Account # XXXX ... XXXX Opened XX/XX/XXXX $ Starting balance XXXX Ending Balance {$1000.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$550.00} Ending Balance {$570.00} 6 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$15000.00} Balance {$140.00} 7 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$6500.00} Ending balance {$61.00} 8 ) XXXX  Account # XXXX Opened XX/XX/XXXX Amount {$1000.00} 9 ) XXXX XXXX Account # unknown Amount unknown

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 2017-07-13
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FOR SOME REASON, I FEEL LIKE I 'M BEING TARGETED FOR FORECLOSURE! Provident Funding Associates LP seems to be looking for cause to " accelerate the sums secured by the mortgage, commencement of foreclosure proceeding and sale of property. '' SEE ATTACHED LETTER AND ITEMS XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2019-10-03
Company: EdFinancial Services
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 status incorrect

Complaint:
I tried to dispute late student loans with Edfinancial because I did not get any email notifications to pay nor did I get any letter notifications in the mail, so now my credit score dropped my 100+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
SEARSCREDIT.COM.. log-in easy. But, then tried to redeem almost XXXX rewards points. [ 1 ] Sears dumps its own card holders onto a different web site run by citi.com [ citibank ] ... [ 2 ] Then, impossible no matter which alternative sign-on or verification or new register with THAT website sign up to actually get this Sears-contracted-out website to property acknowledge CORRECT searscard.com info as log-in in order to obtain rewards.
[ 3 ] THAT website repeatedly EITHER WRONGLY says the later-in-process data entered is wrong OR it WRONGLY logs me off even though I did not seek to log of ... [ 4 ] This scam by sears dump-off so it can claim it has nothing to do with the problem is a disgrace. Sears should TAKE RESPONSIBILITY for the citi.com website REPEATEDLY NOT WORKING CORRECTLY. I/we have EARNED these rewards, they are not a gratuitous gift at the whim of Searscard.com. I/we want my/our rewards. [ 4 ] Also, searscard.com 's internal " secure '' e-m does not work either -- - Sears does NOT respond OR it theoretically responds, but its bad IT workers dont allow customers to actually open the reponse " secure '' e-m with SPECIFIC ways to deal with the problem OR simply help us out and order the 2 Sears reward card ( s ) we want [ for {$100.00} and {$25.00} ] ..

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 2022-02-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX letter from collection agency name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX, Amount due : {$470.00} XXXX XXXX, letter was sent to verify such claim, XXXX XXXX letter was received from XXXX XXXX XXXX  to direct all communications to : Creditors, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Comenity Bank, XXXX XXXX. XXXX XXXX XXXX Including in the response were bills dated XX/XX/XXXX with the balance of {$200.00} with the late fee it adds to the amount of of {$470.00} dated XXXX.Letter was sent again for more verification of purchases date and name of store location and a copy of original bill with letterhead and my name on it.XXXX, response was received with the bill dated XX/XX/XXXX with the balance of XXXX as the original balance 1 month backward contrary from the previous bill date XX/XX/XXXX with amount of XXXX It was noted that in bill charges was added of {XXXX and @ XXXX XXXX in the same date at XXXX ' XXXX XXXX to make it total amount of {$100.00} XXXX balance. I noticed Parts of the bill were erased with ink and address to may old address where I left years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: WV
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:
THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I DID NOT GIVE ANY SORT OF AUTHORIZATION TO BE REPORTING ON MY CREDIT FILE. PLEASE HAVE THIS DEROGATORY MARK REMOVED OFF MY CREDIT FILE FOR IT IS CAUSING SERIOUS REPORTING DAMAGES.

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 2017-07-14
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:
I sent in several certified letters to all three credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all three bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Asset Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I payed a collection in full to Asset Recovery solutions for XXXX XXXX XXXX card on XX/XX/XXXX. It has been a week and I need a letter showing that is payed and no one will supply the letter to XXXX XXXX XXXX  saying it has been paid. I did a wire transfer so the funds should n't have to be held for any period of time. I tried to pay XXXX XXXX XXXX but they would n't take the money and referred me to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Was unable to gain information on my account by both the XXXX XXXX XXXX XXXX XXXX or its servicer, Heartland ( f/k/a XXXX XXXX ). I was suppose to receive this information sometime in my 6 month deferment period after I graduated. After not receiving it by XX/XX/XXXX, I tried contacting both institutions to get the ball rolling so I could get payments going. After numerous contacts I was assured the information was on the way to me. I tried again in early XX/XX/XXXX to get payment information and Heartland would not help me unless I had an account number. So I waited some more time for the information to get to me. In XX/XX/XXXX, I got an alert on my credit report that an account had been reported negatively ( 30+ days past due ). I was able to research the servicer to a correct website and able to access my information to set up payments. 

Website # 1 : https : //heartland.ecsi.net/ Website # 2 : XXXX XXXX XXXX XXXX  In late XX/XX/XXXX, I received a final demand notice from the company to make a payment to the loan because I was able to update my personal information since the servicer had an outdated address. I tried calling Heartland to resolve the late payment credit bureau reporting due to the inaccuracy. The representative referred me back to the university and would not even attempt to look into the issue nor would offer any assistance to correcting the error out of my control. He kept saying that the error in credit reporting has to be done by the university, which they do not have any control of. 

Also, when I made the payment, Heartland charged a pass-through fee for " convenience '' made by a XXXX debit card. I do not believe that fee is legal since Heartland is not a government entity nor a not-for-profit organization since they retain the interest/late fees made on the loans they service. If my understanding of the old XXXX operating rules and the new EMV rules are in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
For the past few years I've been reporting over and over again that I was placed into a hardship forbearance for my student loans and did not have to pay. Transunion and XXXX are both reporting my credit as being late 30,60.90,120 days late and this is destroying my ability to do anything - I have no late payments on my credit report except for this false information - Yes, the payments will still be there but they should be blanked out with no information for all of the months that I was on forbearance ; not show up as late payments - I wasn't late Attached will find the XXXX document ; along with screenshot of how it appears on 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 explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: MI
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:
On the Experian report it shows the trade line State of Michigan-child support as a charge -off.It is not a charge-off.This trade line/account is paid in full and closed.It is not a charge-off

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 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
no data for XXXX thru XXXX..What happen between XXXX and 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 2022-08-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My name is XXXX XXXX, and no third party is involved with submitting my complaint. On XXXX XXXX I entered into a consumer credit transaction with Toyota Financial Services when I filled out an application to use my right to extend credit. Since Toyota Financial Services operates under Truth in Lending, I was surprised to see that they required a " down payment '' from me per 15 US Code 1605 as it is illegal to mix consumer credit transactions and cash down. I have made payments without a late payment the last year. However, I was reviewing my contract and realized I have over paid my contract and that the contract has been paid in full. Per US Code 1605 the finance charge is the sum of ALL charges in any consumer credit transaction and I have paid well above the finance charge listed in my contract. I have talked to Toyota Financial Services customer service line multiple times to try to resolve this issue and they have hung up or failed to help. I have recorded these phone calls and many of their representatives have willfully and knowingly given me false and inaccurate information regarding the existence of their " required '' down payment and finance charge. Toyota Financial Services is now in violation of 15 USC 1611 and can be held criminally liable for willfully and knowingly giving me this false and inaccurate information and for failing to comply with any of the other requirements under TILA. Furthermore, they have caused me emotional turmoil and distress with repetitive phone calls on a balance I do not owe as well as reporting my late payments to all three credit reporting agencies ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, 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:
1. I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation