BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good evening, our home loan servicer is SPS ( Select portfolio Servicing ). Our insurance claim check was taking applied to our mortgage, without our permission. Then we received our XXXX tax form for the year XX/XX/XXXX from SPS. Box 1 Mortgage interest received from borrower showed XXXX, SPS added the XXXX insurance check to that number. On XX/XX/XXXX I went down the the IRS office in XXXX Mass and asked for a copy of what SPS reported to the IRS in XX/XX/XXXX. We found out that SPS reported XXXX as mortgage Interest received from payer ( XXXX XXXX ) to the IRS for the year of XX/XX/XXXX.

This is tax fraud.SPS XXXX to me and what SPS reports to the IRS Should be the same dollar amount. I believe the reason why SPS did this is to make the mortgage securities more marketable. So they can sell the loan for more money. We have never been late on our mortgage payment to SPS. This is a Ponzi scheme. I am asking for SPS to have there licence to operate to be revoked. and no longer do business. We are not going to have a XX/XX/XXXX mortgage event again.

I have copies of the XXXX they sent us for XX/XX/XXXX and the XX/XX/XXXX XXXX  that was reported to the IRS from SPS.

Thank you, XXXX 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 2019-05-29
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was told that because my co-signer filed bankruptcy that my loan had to be in forbearance and that I was not eligible to receive any information about my account during the 5 years. Since then, {$5000.00} in interest has been added to the loans, that I was not given an option to pay. Now I have called 3 times and they stated they to not do income-based repayment plans and the only option I have is an Interest only plan for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX is contacting me about my ex-wife 's debt. I have been divorced from her for several years. I re-married in XX/XX/2012! Synchrony called me on the following dates and times : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. Each time it was explained that we have been divorced for many years and I am not responsible for any debt that she has built up since. Each time they said they understood and would pull my number from the account. The last 3 times they called I asked to speak to a supervisor. The supervisor would pull up the account in question and say that I was not on the account and my phone number was not associated with the account. When asked how I was receiving calls, they could not provide me with an answer. I really don't understand where they are getting my information since they advised that I was not a co-signer on her account, my name was not on the account. The phones are on separate accounts, and we are legally divorced! I really would like these calls stopped!

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 2020-07-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello. I'm applying for a XXXX XXXX XXXX through XXXX XXXX to assist minority businesses affected by COVID-19. PNC will not permit me to link my account to the application in order to receive the grant funds faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Collins & Hilton Asset Group, LLC
State: OH
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 XX/XX/XXXX I noticed there are discrepancies in the status of the account for a balance from XX/XX/XXXX. The balance of {$6300.00} is showing closed with a {$0.00} balance on my XXXX and XXXX credit report but is showing still open when I pull my XXXX report. This debt is past 7 years old and is showing inconsistent reporting on my credit file. Please help me clear this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Consumer Financial Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
This title loan company has opened and closed accounts under different names claiming i owe them thousands of dollars even after they repossessed the car. I told the company the engine went bad and i needed time wit payments they, charged me for a locksmith and took the vehicle. 5 years later this company has open and closed accounts on my XXXX XXXX and XXXX   accounts. I have taken the time out to rectify the issue but they refuse to show me proof of the charges or any records i have my last receipt that shows a five hundred dollar balance. These people have been taking advantage of me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Excessive calling at unannounced times.

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 2018-11-23
Company: EQUIFAX, INC.
State: HI
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: Other problem getting your report or credit score

Complaint:
Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from XXXX  is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: RGS Financial, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RGS Financial is attempting to collect a debt for internet service that it didn't even attempt to validate. They claim the original creditor is XXXX XXXX. This is the second debt collector that has appeared on my creditor report via XXXX XXXX regarding such an item. I have NEVER used this service. I have been using a different Internet provider for the last 9 years. This is second debt collector REMOVED it after it was not able to validate it. NOW RGS without even attempting to write me have just placed this collection on my credit. Absolutely NOT MINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This incident happened XX/XX/18. I had transferred money on my American Express Serve account. Lost my card and was unable to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have a fraud alert on my credit report with XXXX, transunion, XXXX  the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent

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 2018-06-22
Company: AES/PHEAA
State: RI
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:
After graduating from XXXX University XXXX XXXX XXXX XXXX in XX/XX/2006, with my XXXX XXXX XXXX in XXXX XXXX, I began to repay my loan thinking I would eventually qualify for the Public Service Loan Forgiveness ( PSLF ) program.

After working in a XXXX XXXX in XXXX for 7 years and making 84 payments ( out of 120 payments ) needed for the PSLF Program, I was told that I was in the " wrong '' repayment plan the whole time, and they would not be able to count these payments towards the PSLF. 

After I left the school district in XXXX, I came to XXXX XXXX and have been working in the XXXX XXXX for an additional 6 years. I have now paid 72 payments towards the PSLF Program. 

I am angry that XXXX XXXXXXXX XXXX is not counting my time in XXXX   towards my loan forgiveness, and have rejected my application. 

My husband is a XXXX XXXX XXXXXXXX and XXXX XXXX Veteran, and is unable to work. XXXX  XXXX XXXX has since raised my payments to over $ 500/month. 

It is completely unaffordable. I have the time in and have spent thousands of dollars toward a program that THEY changed the guidelines for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive up to at least 30 calls a day from this company back to back. They range from being 10-20 minutes apart to at least 5 an hour. I understand I have a debt that needs to be collected but to call me this many times a day, starting immediately at XXXX sharp, is ridiculous! I would like for them to just stop contacting me all together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: Performant Financial Corporation
State: NJ
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:
on XXXX a company by the of XXXX XXXX XXXX . opened an account in my name. I found out by checking my credit report. I have no knowledge of an account and why they would do this. I know i own XXXX XXXX dollars but that do not give them the right to open an account in my name. Which now has affecting my credit score. The company is located in XXXX   Fl. Please tell me what I need to do

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 2018-09-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XX/XX/XXXX I was a junior/senior at XXXX Univerisity. Mid semester I believe around XX/XX/XXXX or XX/XX/XXXX my school notified me that they were sorry but Sallie mae took back your loan because that specific loan and will not give it back. I ended up coming back home an facing and extreme debt .. I then worked retail jobs to pay for a XXXX school part time so that I could attempt to finish.. while delaying my loans.. i entered XXXX in XX/XX/XXXX and most of my credit or some didnt qualify because I went from private college to XXXX. I had to work my way to school hoping to get a career to one day pay this large debt. Since having this debt I have been XXXX   and currently was out of work for 2 months with a XXXX XXXX XXXX XXXX. I am now struggling once again with all my loan debt due and no options for anything else and I have 3 more classes left of school and due to my illness now have to hold off again.. if I had graduated in the summer of XX/XX/XXXX and my loan had not been taken away I would have never had to be in such a large debt. I am current looking for lawyers as it would be impossible for me to pay off the over XXXX debt with my retail job and because my loan was private Navient is now hitting my credit score. I need advice or secure and safe lawyers I can use as when previously seeking outside assistance I was scammed and the companies did not help with my debt. Navient only leaves me in the option to pay and although this has cause me extreme XXXX  I dont mind spending my life in court battling it out with them at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
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:
I opened up a XXXX XXXX rewards credit card. The credit card had about {$60.00} of XXXX rewards. The rewards have since vanished. This is not acceptable. I want my XXXX rewards back.

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 2018-06-22
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
This is not an account that should be on my report. I have never lived In This complex. 

I have been a victim of identity theft. and will be attaching an affidavit to this 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 2018-09-13
Company: Experian Information Solutions Inc.
State: CA
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:
for a few months now I have been attempting to access my credit reports and dispute a false charge but I am not able to access my report to dispute items because Experian and XXXX  are denying me a dispute claiming I already disputed and no longer have rights to a dispute. Experian never responded to my complain so I attempted a new one and now I am being denied. 

Also, XXXX is denying me a dispute and they sent me an error which I have attached. I can not be in collection because I do not owe XXXX anything, the account holders at XXXX XXXX are harassing me and are abusive in their calls and communication and I have let the bureaus know this and they dont seem to care. I asked the bureaus to delete this and stop tarnishing my credit report and they dont respond and are shutting me down.

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 2018-09-13
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: Account information incorrect

Complaint:
XXXX shows inaccurate balance for my XXXX account. Update not done every 30 days which penalized my credit report and credit score. As of XX/XX/2018, the accurate balance is {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Experian Information Solutions 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 for credit report from all 3 major credit bureaus after receiving a notice from my auto insurance about my payment going up due to my credit report. I haven't purchased anything or applied for credit in years. Upon receipt of my credit reports I discovered that someone else has been obtaining credit cards, vehichles and apartments using my name. However on my credit reports, it listed more than one social security number which indeed wasn't mine, SEVERAL addresses in which not only have I never lived at, but also have never even been to, jobs that not only have I never worked at but also never heard of, my date of birth wrong and former names wrong. I have disputed open and closed accounts that were written off due to non payment to the credit bureaus as well as NUMEROUS inquiries for credit that I have NOT done nor even heard of most of them! I have filed police reports, been to my bank, went to my insurance agent, called some of the actual creditors, contacted Federal Trade Commission, contacted the XXXX XXXX XXXX XXXX who called me and told me to contact the Consumer Financial Protection Bureau, I still have to contact the Florida Division of Drivers License to put a flag on my drivers license. This whole ordeal has not only been stressful but time consuming with SEVERAL hours on the phone to creditors, banks, credit bureaus, etc. and emails, letters, and certified mail which is also costly. I just want to make sure I cover all of the bases in which I have been requested to do. I do believe by going through all of the proper channels and being diligent in getting this resolved and with my faith and trust in XXXX XXXX that this whole NIGHTMARE will be resolved. Any help or any assistance that your company or organization can offer will be greatly appreciated! I DO NOT have a bunch of credit cards I have not paid, I HAVE NOT lived in multiple places, I have lived at my current residence now for 17 YEARS!!! In that time, I have worked at one establisment which is no longer in business and I now am self employed and work from my home! In 17 years, I have applied for 2 vehichle loans and the last one was in 2007. I am not late on any of my current bills and haven't been in 17 years! I have 1 HOME and am making mortgage payments on it and I have 1 HUSBAND and is the only spouse that should be on my reports!!! I have 1 SOCIAL SECURITY number and in my name now and it hasn't changed for 17 years!!!! I just want all of my CORRECT information on my credit reports and for all of the other to be REMOVED!!! Sincerely,  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
State: MS
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 contacted XXXX about the account reporting a balance every month when it is a closed account. They report and update the account every week. So I called back and tried to just pay the {$65.00} the rep said XXXX see whats going on with account and call me back he wouldnt let me just pay and he acted as if he couldnt find the 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 non-monetary relief
Consumer complaint received 2020-09-01
Company: Essential Lending Inc
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had my XXXX and XXXX accounts consolidated with XXXX. XXXX is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Aqua Finance, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Had bathroom remodeled, company in Michigan finished XX/XX/2019. 
Monthly contract with finance company, payment due in 30 days after installation. 
1st bill due XX/XX/XXXX already added XXXX+ interest in less than a week. 
payments were to be XXXX, w/XXXX daily interest, I have always paid more to try to pay off early. 
contract says monthly, company says they charge daily interest. 
If I send in a payment to early they charge me a months interest for non payment for the month, and then when they post that payment they charge me interest " AGAIN '' the more I pay, the more interest they charge. They also have said on my CR report that they sold contract to a credit union, so who do I owe.

Company response to consumer: Closed with explanation