BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-30
Company: Penn Credit Corporation
State: OH
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:
Reporting debt that is incorrect ; not my debt ; and incorrect date of original date. And company reports wrong date debt was incurred by someone other than me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AESXXXX student loan is reporting I open as XXXX they are reporting this information to XXXX XXXX, and XXXX. I disputed with all three credit bureaus in writing ( three times ) My demand is to remove the debt off my credit reports it has been on my report for the last 10 years. I have called AESXXXX as recent as XXXX asking why is it still reporting. They explained it was not still reporting. They informed the credit bureau on XXXX that the information was paid in full and to be removed after seven years. 

I have expressed my concerns to all three credit bureaus about their reporting is a direct violation of the Fair Credit Consumer Protection law. All debt by law should be removed within Seven Years. They refused to remove the debt their explanation is that it is correct information under the Consumer Fair Reporting Act. 

This is my last attempt before taking all three credit bureaus to court. I would like for you to reach out and advise AESXXXX is a violation of Federal law. I am also going to sue for damages with lost of job opportunities. I have sent at least six letter with proof of the information being 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Checkr, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After requesting an investigation to remove and revise false/outdated information. Checkr replied they would indeed revise my information regarding my driving license status, stating my license were valid. However, they never revise nor updated my info. They are all talk and no action. Terrible company with reflecting ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous credit inquiries that are not recognized on my credit reports. I have sent letters to each credit reporting agency including XXXX, equifax and XXXX. I have no help and no reply as to what needs to be done. I would like them to acknowledge that these are fraudulent credit inquiries or at least not authorized by me and remove them. I even received one credit card for XXXX XXXX that was applied for as well, the problem here is im a man why would i need a victorias secret card for? I have several disputes that just do not get taken care of too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Two months ago, I made an extra payment toward principal. My servicer, Nelnet, has a check box that says " Do not advance due date '' if you want to make a payment toward principal. I selected that box. They did not apply it toward principal and instead advanced my due date. I called and they corrected the problem and told me they corrected it for future ones too. 

A month ago, I made another extra payment toward principal and again selected the checkbox that says " do not advance due date. '' Again, they advanced my due date. 

They are systematically disregarding the " do not advance due date '' checkbox, which requires me to call each time. I have no idea if I am being charged interest in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filled a dispute in regards to the incorrect items on my credit report. Its has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was sent a letter from United Wholesale Mortgage ( mortgage servicer ) stating that after 1 year of servicing my mortgage, they didn't have enough funds in my escrow/impound account and I had to pay an extra {$6100.00} to bring the escrow account up an acceptable " cushion '' level. When my loan was funded in XX/XX/XXXX there was not sufficient funds held for taxes and insurance and a full year later they realized the mistake and asked for {$6100.00} or an extra $ XXXX. When requesting to eliminate the escrow account on XXXX via faxed letter, and handle taxes/insurance on my own, they sent me a denial letter on XX/XX/XXXX. Having to pay an extra {$6100.00} a year after this load funded to cover an escrow cushion has created a financial hardship and they do not care. Shame on United Wholesale Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In XX/XX/2018, my credit report identified an address in Kansas. I have never lived in Kansas. On XX/XX/XXXX, I received a statement from Capital One via my online email with the following address : XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS. I have never lived in Kansas. When I called Capital One to ask why they changed my address- I received no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I went to the dealer, looking for a car ; I explained to the salesperson I was not working ; I just got a job, and he explained nothing to worry about. I was in the middle of a separation, and my vulnerable state made me believe in the right chooice. I never have the contract agreement or XXXX pages attached to this letter. I gave my XXXX savings when I found out the price was overcharge fees I disagreed with were added to the contract. I reached the dealer and claimed there was nothing he could do SINCE I could not understand why they gave me a loan when I barely could make money. I called GM last week, and the agent claimed GM couldn't release the credit application, which I believed was fabricated, for the sales since they never asked me for my tax or income records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We did defiance with quicken loans. My inside company sent them both my policy 's and they only included one ins to our new mortgage. XXXX 2 months, I reaized it, asked me for recorded calls. They could n't find. So my payments that were suppose to e less are now, way over our head they had all XXXX during process. Is there anything we can do we are behind and in pro patio no period for a re modification to our loan, which they did n't I form we had this option till we were over 8months behind, refused my payment after I was to, d, as long as I paid before, the XX/XX/XXXX, I could.i called on XX/XX/XXXX to make payment, they would n't take it. All backpay or Nothing. Then after forclouser process was well rolling, they offfered the modification. When I feel should have been offered right away. Also the ins added an additional XXXX to our monthly payment which is crazy, as they had all the info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account in question : XXXX XXXX XXXX This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Transunion and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Transunion. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had XXXX time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

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 2018-12-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I reviewed my report and discovered many fraudulent and incorrect information listed. I was a victim of identity fraud and I am requesting these fraudulent items be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX and XXXX  keep putting late payments on my credit one account even after I have provided documention that I was never late I disputed these late payments over a numerous of times they will fix it then turn around and put it back on there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: SENTE MORTGAGE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan began XXXX XX/XX/2020. I was forced to provide an escrow for home owners insurance as well as property tax. I provided the lender in XXXX with documentation from the county indicating that as a XXXX veteran I pay XXXX property tax. I am exempt from property tax. The loan servicer has acknowledged that they have received the documentation, they recognize that I do not pay nor owe any property tax, and that I am due a refund of property tax taken into escrow in the past. Four months later I have not received the funds that were erroneously charged and I am still assessed for property tax within the escrow account by my loan provider every month.

I have contacted my loan provider on four separate occasions concerning this issue and each time I am told the same thing : " I see you do not pay property tax, I am processing your account for the refund, I am updating your loan so you are not forced to pay this tax every month ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I had visited XXXX XXXX XXXX  in XXXX, PA on XX/XX/2019 with my girlfriend and some of her friends and sat down at a table. Our server ordered/brought our drinks to us at our table. That night I spent {$100.00} on my card, including tip, and left around XXXX. As I left and got into my XXXX, I was notified by Chase Fraud that I had two more charges to my debit card from XXXX XXXX XXXX. 

I immediately called and disputed the charges, they reversed the payments and credited my account for the total of the two transactions of {$100.00}. Then Sunday, XX/XX/XXXX, I get a letter from Chase saying that upon further review/investigation the transactions were authorized and they'll be deducting the credit from my account. I know for a fact that I did not sign three separate receipts that night and only spent the {$100.00} that I did not dispute. 

I called back Chase to argue about this and they said theres nothing they can do since the company provided them with receipts of the three transactions that supposedly have my signature. I asked them to send the transactions/receipts to me so I can compare the one receipt that I signed to the other two that I know for a fact I did not sign. I received the documents in the mail and the signatures do not match whatsoever. But since the restaurant provided them with receipts from that night using my card and there were signatures on the receipts theyre saying they cant help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-30
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XXXX XXXX from XXXX XXXX that it was transferring my loan servicing to Specialized Loan Servicing ( SLS ) in XXXX, Arizona. 

I was not concerned at first. But then, there were nothing but problems with SLS from the day of the transfer. It took weeks to even speak with a person from SLS about the transfer. 

Once I spoke with a representative, I set up weekly mortgage payments, as I had done with XXXX XXXX for years and I never had any issues. 

Once the ACH debit was set up and confirmed via phone and I received an " Electronic Funds Transfer Enrollment Confirmation '' -- I thought everything was set up and expected smooth sailing. 

My first payment was applied to my payment as set up. 
My second weekly payment was applied to principal, not as a payment, potentially making my full payment late. And then, I received an " Automatic Payment Cancellation Notice '' letter dated XX/XX/XXXX explaining that the ACH had been cancelled. 

I spent hours on the phone and on hold trying to correct the misapplied payment and trying to figure out why the ACH was cancelled to no avail. It was very stressful. I never experienced this situation and I have owned a home for 25 years. No one at SLS ever returned calls as promised. Then, I read reviews on the XXXX XXXX XXXX with people citing the same problems of cancelled ACH and misapplied payments. 

Several, like me with a credit score above 800, cited they never resolved the payment problems and that their credit score dropped because of a supposed missed payment. These folks warned others to refinance quickly before credit scores dropped because of SLS mishandling payments. 

This concerned me greatly. After 7 hours on hold, I realized I had to refinance quickly. This cost me about me about {$5000.00}, but thankfully, I am away from SLS. 

Please research this servicing company, this company needs to be shut down. 

Thank 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 explanation
Consumer complaint received 2021-11-11
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT SERVICE CO has placed an account on my consumer credit report in the amount of {$790.00}. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor, this company is furnishing unauthorized and inaccurate information on my consumer credit report and that would be resulting in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: LD Holdings Group, 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: Credit inquiries on your report that you don't recognize

Complaint:
Loan Depot did a hard inquiry on my credit report that I explicitly objected to. The loan rep is XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
COMMONWEALTH FINANCIAL XX/XX/2018 Date Opened Collection account. {$530.00} Collections were closed on my XXXX dispute. 
Dispute Reasons Accuracy : The dates on this account are incorrect. 
This account is too old to be on my credit report. 

XXXX dispute has not closed and still is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that isstill reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$78.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
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 information incorrect

Complaint:
I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
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: Account status incorrect

Complaint:
I received a copy of my credit report and noticed a few items to be in error. this item i paid in full and should have never been in collection. I even have an account with this same bank now. I dont think you would offer someone your services again who owe you money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
RECIEVED PHOHE CALL XXXX XX/XX/2019 XXXX  SPEAKING CALLED BACK COLLECTION NUMBER CANT GET THROUGH LOOKED NUMBER UP XXXX COLLECTION SEQUOIA FINANCIAL SVCS. I DONT OWE THEM ANYTHING I BELIEVE THIS TO BE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Midwest Recovery Systems has sent me letters and even mentioned to me that they did not have an active record on me, but yet they keep reporting to the credit buearus that I owe a debt to them. 

I have never done business with these people and dont know where they even got my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: TN
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 contacted all three Credit Bureaus/Agencies ( XXXX XXXX Equifax, XXXX ) and the Creditors ( 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 in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation