BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-04
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am probating the estate of my deceased sister and the house will eventually be in my name. During the process, I attempted to modify my sister 's mortgage because I will obtain ownership and did not want the house to enter into foreclosure. The loan was being serviced by XXXX and I submitted all the requested documentation to XXXX and it approved my assumption agreement on XX/XX/XXXX. I made some payments to XXXX and I signed a final assumption agreement with XXXX and returned the signed assumption to XXXX. Then, XXXX transferred the loan to Selene Finance. On, XX/XX/XXXX, Selene sent me a letter stating that my assumption is denied. I have paid a total of {$9200.00} from the period of XX/XX/XXXX to XX/XX/XXXX to XXXX/Selene. 

Every time I have called Selene it recorded all of conversations with me and my attorney and constantly assured my attorney and I that if I continued to make payments they will continue to explore whether any other plan was better for me other than the one I was approved for but to continue making the payments. However, the company lied and now denied my assumption agreement that was already approved by the prior services, took my money and made no accounting for the money, and is trying to take the house away from me. 

I faxed a letter to Selene Finance on XX/XX/XXXX requesting a written response regarding my approved assumption agreement. My attorney faxed a similar letter to Selene on XX/XX/XXXX. On XX/XX/XXXX, my attorney received a letter from Selene Finance dated, XX/XX/XXXX, which indicated that Selene is in receipt of correspondence requesting information regarding Estate of XXXX loan. The letter also indicates that Federal law requires Selene Finance LP to respond to correspondence within 30 business days of receipt. More than XXXXhirty days has passed and Selene has yet to respond in writing to my and my attorney 's letter. Again on XX/XX/XXXX my attorney sent another fax to Selene. To date, there has been no written response generated by Selene.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Asset Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX a representative from Asset Recovery Solutions left a voicemail at work that is not private. 

The representative knew they were calling a place of employment. 
They did not know if they had the correct voicemail box or not. 
They did not know who could or would listen to the voicemail. 

They knew it was possible that 1 ) someone else could access the voicemail or 2 )  someone could overhear what the message was about. 
Based on the information above they knew it was more than likely NOT a private voicemail and there was a reasonable likelihood that my employer or coworkers could access the message or listen to it. 

Yet they went ahead and disclosed in the message my name and that it was about a debt. 

The transcript is below. 

hello this is a message for XXXX XXXX if weve reached the wrong number for this person of please hang up or disconnect if you are XXXX XXXX please continue to listen to this message. 
XXXX XXXX you should not listen to this message so other people can hear it hear it as it contains personal and private information This is XXXX XXXX from asset recovery solutions this is an attempt to collect a debt by a debt collector Any information obtained is for that purpose please contact me about an important matter at XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used my Gap card for a purchase of XXXX on XX/XX/2018. I never received a statement from them and I never signed up for paperless statements though it appears I was defaulted to paperless. Since I never received anything, I didn't have a breakdown of what I was paying in interest, fees, etc. I then found it on my credit report and immediately paid the charge. But now they want to charge a 100 % interest fee of XXXX. 100 %!!!?? That has to be illegal. Please help.

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 2020-07-05
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since the covid19 credit acceptance has been wrongly reporting false things in my account. Im effected by the covid19 and theyre suppose to submit that to the credit bureaus but theyre not. Theyre putting delinquencies on my credit report which makes it look like its my fault the world has corona virus. Inaccurate remarks on my credit report lowered my score by 120 points. Theyre were order by the government not to report any foul or delinquencies to the credit bureaus and they still are. Theyre doing it to all if there customers to force a payment when the world is shutdown. I already discussed this with the three credit bureaus and won. Some higher entity needs to check credit acceptance as company. Many Americans are out of work and have no ways to get nothing. We didnt create corona virus. This is fraud and illegal and legal actions need to be taken rapidly.

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage account was in a forbearance until XX/XX/2021. I sold my house in XX/XX/2021. Even though my loan was closed current, paid in full and I was on a forbearance, Transunion and XXXX  and XXXX  reported that I was over 30 days late for last month since I didn't pay last month because I was on forbearance. 

This has greatly affected my credit score - decreased 40 points. They have not found a way to resolve this matter. My mortgage company has stated that they submitted the information to the credit bureaus as paid in full and current but some how they are showing 30 days late.

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 2019-05-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX University, Navient and SalleMae ; I wont rest until one day I take this to the highest court. My loans are XXXX I never graduated college in my senior year because in XXXX in XXXX XXXX and Salle Mae did something with the loan. Mind you no one takes XXXX Universities credits so I had to start all over. After XXXX years late XXXX University placed a grant to cover an old bill because they knew whatever occured with the loan that year was not the fault of my own. The loan companies would like for me to claim XXXX an yet they want XXXX dollars that they know ill never have because they ruined my credit and so I cant even get a good job to pay it. Instead Im working through school and no degree and diagnoised with XXXX and XXXX and I blame the loan company salleMae and Navient and XXXX for the XXXX XXXX. I will never be the same due to these loans that should be eliminated since i got them in XXXX and wasnt even old enough to understand that without a good job it would be impossible to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I Can not get my annual free credit reports due to errors in my idenity. Somethung in my report is not matching and this goes for all three credit bureaus.

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 2020-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX had deleted this account of my Credit report 3 times, 2 times with CFPB help, so after deleting it again 2 months ago a collection Company by the name of Portfolio recovery Purchased a Dead Account that did not belong to me. XXXX XXXX XXXX  deleted it because once again they say it was fraud. why do they keep putting this account for sale. for {$500.00} they are trying to get out of me also i lost 15 points instantly on my credit report. I want this corrected and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019, I see 2 hard inquiries appear on my credit report instead of one from XXXX. I believe that one of them is a duplicate inquiry. Please help me remove them from Experian 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 2021-08-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.

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 2017-09-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I initiated a withdrawal from coinbase ( withdrawal reference XXXX ) on the XXXX XXXX XXXX for the sum of XXXX. The money should of cleared in my account by the XXXX of XXXX XXXX but the money seems to have disappeared. 

Several attempts have been made to contact customer support but all attempts have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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: Their investigation did not fix an error on your report

Complaint:
This account with XXXX  XXXX XXXX has been paid off and they are reporting me having a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple creditcards and not paid after I had moved out. These accounts all are not mine.

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 2019-08-12
Company: ACQ Holdings, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I sent the company written notification via fax on XX/XX/2019 stating I was revoking ACH access to my XXXX XXXX checking account. 
Twice after receiving the letter ( fax confirmation attached ) they debited my account causing overdraft fees. 
They ignored my written request in violation of Federal and State laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I started writing this company on XX/XX/2019 asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dated XX/XX/2019. I received a response from them on 0 ( XX/XX/2019 they sent me a itemized bill stating that I owe them {$1100.00}. I never received any documentation bearing my signature or obligation to pay this debt. I informed them also that they are in violation of the HIPAA LAW. The furnishing of this account information to XXXX XXXX XXXX XXXX XXXX, is not in compliance with HIPAA, or WISCONSIN 's Privacy Act, and any subsequent reporting of this account on my credit reports to [ credit reporting bureaus ] is a clear violation of PUBLIC LAW 104-191 ( " HIPAA '' ) I am requesting you promptly rescind all such account information furnished to XXXX XXXX XXXX XXXX XXXX   and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports.

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 2020-09-01
Company: FC HoldCo LLC
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: Their investigation did not fix an error on your report

Complaint:
This complaint is related directly to Flagship Company who I am in a current contractual agreement with regarding my vehicle. On XX/XX/2020, I called in and spoke with XXXX who is a manager in  collections provided a verbal authorization for a 1 month deferment for my XX/XX/2020 payment ( which would be 14 days past due at the time ). Upon calling to make my XX/XX/2020 payment on XX/XX/2020 I was advised that I was still due for the XXXX payment. I informed that although the verbal authorization was notated on the account, the required paperwork was not sent out to me to complete the deferment. I would have no indication of that just being a borrower not an employee and in regards to speaking with a manager I would have thought that all the necessary requirements were completed. Due to Flagships negligence, I received a 30 day marker for my XXXX payment in which I have never been late on the account since I've obtained the loan. I feel that because this is an error on Flagships part in regards to NOT sending the required paperwork, I should not be penalized because the ball was dropped on their end. This 30 day late marker has impacted my credit report tremendously. I hope that you will take the time to review my request and find it have this corrected expeditiously.

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 2023-02-11
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:
XXXX the credit reporting is a total farce. They never resolve and always take the lenses position. Humiliating and attempts leave nothing but legal action. Here is there last report. They refuse to accept my input stating it's resolved! IT IS NOT AND NEVER IS!!!!!

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 2018-07-24
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 spoke to Navient about my income driven repayment plan. I was told it expired in XX/XX/2018. I had just submitted an application in XX/XX/2018 and was approved. I could not understand why it was going to expire so soon. On Navients site it said to reapply on studentloans.gov. After logging on to www.studentloans.gov and finding the place where you apply for recertification for the plan, a notice was shown that i wasnt due to recertify until XX/XX/2018. I called Navient and the person i spoke to was a lady who was assigned number XXXX. She said my Income Driven Plan expired and i had to reapply. Today is XX/XX/2018. So i called studentloans.gov and i was told that Navient should have got my application that i completed in XX/XX/XXXX and that my plan was not expired. I once again called Navient and operator XXXX answered and told me that the info on Studentloans.gov page did not apply to my loan. This sounded utterly rediculous why would there be a reference to my loan to Navient on Studentloans.gov website if this did not apply to my loan. I have no other loans to Navient. I was told the info stated on studentloans.gov about me not having to reapply until XX/XX/2018 was a disclaimer. I dont know whats going on at Navient but i dont believe they are there to help me. They dont seem to know whats going on..or do they?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Accts show that belong to me I have taken care of. Contacted companies directly and they was unable to locate mentioned accts listed under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These account are not mine which are listed in my attachments. I've been reaching out to the following companies. These things are completely affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Every month I receive a letter from them stating that because I have no insurance on my vehicle they are tacking on an additional {$70.00}, I do in fact have full coverage insurance on my car and have never had a lapse in coverage. Every month I call and they tell me that they received a cancellation notice so I call my insurance company and they say theyve never sent one. In XX/XX/XXXX my car was hit and so I filed a claim with my insurance and they sent the claim to Lobel and they told me that the letter my insurance company sent was a cancellation, when I asked them to send me a copy of what they received they told me they cant because they dont have it. I have had to call my insurance company every month and ask them to fax my insurance over which they do, after Lobel gets it they say they received the wrong information but I always ensure they fax exactly what they ask for. Every month I pay my car payment either early or on time and every month they are threatening to ding my credit report because I refuse to pay the additional {$70.00} that they are tacking onto my monthly bill. When I filed my insurance claim my insurance company sent me a check that had both my name as well as the auto body shops name on it, when I was on the phone with Lobel the girl told me I needed to send them the insurance check, I politely told them no it goes to the auto shop and she told me if thats what you think

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Been disputing this account threw the Transunion credit bureau every month over year and half, Kept saying it was verified but it obvious when my name is spelled wrong on original creditor & debt collector. the law is clear cut this account is not accurate please remove this 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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have disputed an account on my credit report however the creditor and credit bureau continues to update the account as a charged off account ... .Account is a paid account and I have payment confirmations proving account was paid in full via ach payments each month to settle the account.

A total of 7 payments were made in the amount of {$63.00} as agreed upon with XXXX XXXX XXXX  The original creditor needs to correct the account or delete the negative remarks on my Account. 
Account in question is XXXX/XXXX account # XXXX Account # 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