BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-24
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 am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I request that it be removed from my credit file immediately. Please block this information from my credit report, as directed by section XXXX05B of the Fair Credit Reporting Act, and notify all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My wife and I were making a deposit into our joint checking out at the XXXX, CT Citibank branch on XX/XX/XXXX and were told about a promotional savings account ( 2.15 % for 90 days ). We decided to open the savings account to take advantage of the offer. We received interest on XX/XX/XXXX and XX/XX/XXXX. The interest in XXXX was calculated using 0.4 % interest rate which is obviously much less than the promotional offer. In addition, when trying to call Citibank NA ( XXXX number ) I was told that my wife was the only person on the account ( account was set up incorrectly instead of a joint account with my wife ) however I have full access under my existing user name to make deposits, withdrawals, etc ( big security issue ). Furthermore, the customer service manager said we had to contact or visit the branch to fix these issues resulting in additional time and hassle that we shouldn't have to incur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Early Warning Services, LLC
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Multiple bank and credit card accounts were opened on my name by someone. I was able to get hold of three credit reports and 'XXXX ' report to dispute the inquiries and then lock/freeze the report to prevent further damage. 

One of the bank account ( XXXX ) was not reported on credit reports + XXXX XXXX report. XXXX customer support person informed me that bank uses " earlywarning.com '', this is surprise as 'identitytheft.gov ' or any other website did not mention about this company anywhere. 

1. earlywarning.com is not having proper online method to request my consumer report. 
2. consumerservices.earlywarning.com is failing with XXXX error not able to register email for sending documents. Customer support was not helping to resolve the issue. 
3. I have called customer support and provided all PII, identity questions over the phone to request a report. Report will be sent in 15 days, I will have to wait 15 days to know at which other banks new accounts were opened. By the time I get report it will be outdated, new accounts may be opened in 15 days. 
4. Important : There is no way to set fraud alert or freeze/lock my data at 'earlywarning.com '. Customer support person is saying that I will have to keep checking data and dispute the incorrect entries, it is not stopping fraud. It is lot of unnecessary work for me for next several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Navient Solutions, LLC.
State: MN
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 just received a statement from XXXX XXXX and it shows Navient Solutions disbursed 2 loans in the same months, one for XXXX and one for XXXX. These are disbursements were never paid and if they were it was fraudulent. I did not receive excess funds, nor have I ever went to a college that charged that much for tuition period. I was taking, at the most 3 to 4, 3 credit classes at about est. {$200.00} a  credit. At the most it should have XXXX $ a term, never did i apply for full year loans. I do not owe this money and the loan companies are doing nothing. I do have legitimate loans and have been making payment, only to see my balance increasing every month. I understand that is my responsibility, but the 2 amounts placed on my account by Navient are fraudulent and theft. Either intentional on their part or a form of predatory lending, as I was never notified of this cost/disbursement. I would like proof to which university was paid, for what they were paying. I am either owed additional course work for free or these to 2 amounts removed or updated to reflect the ACCURATE amount. If you look at ALL the past loans i have receive you will see the major discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Requesting my account to be closed due to MLA. Company says I opened the account XX/XX/XXXX so Im not covered. I filled out a new application in XX/XX/XXXX and I received funds XX/XX/XXXX. I checked the box that asked if I was in the military. I also at the time didnt know anything about Military Lending Act but the company was aware of the MLA. They were supposed to deny my application but they didnt. Once I was aware of this later on down the road I reached out to the MobiLoans support team. I was told I was still responsible for the loan and the fees and the Military Lending Act did not cover me. After doing more research Im not responsible for the exaggerated  fees and APR. Im requesting my account to be closed due to the violation of the Military Lending Law.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: MA
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have attached a documents that clearcly shows inaccuracies, specially the reported payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I just recently received a copy of my credit report. I have filed a Identity theft report. I was XXXX for 5 years. I noticed multiple accounts that were opened while i was in XXXX. I did not open these accounts or gave anybody permission to open these accounts. Please remove these accounts as do not belong to me. 
accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 explanation
Consumer complaint received 2019-02-05
Company: Immediate Credit Recovery
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notification of a possible offset last year around XXXX from the United States Department of Education. I immediately contacted Immediate Credit Recovery to setup the payment plan. I called the United States Department of Education again to confirm there would NOT be an offset on my taxes. The representative indeed confirmed since there was a payment plan setup that I would be just fine and there would not be an offset. I made my first payment of {$25.00} on XX/XX/XXXX via checking account and it has been coming out consistently and on time every 2 weeks. I happen to call the Treasury Offset line on XX/XX/XXXX to see if anyone requested my refund and guess what! The United States Department of Education requested my refund. I called them and waited over 2 hours and spoke with XXXX. He agreed that Immediate Credit Recovery indeed messed up with the payment plan by starting, stopping and restarting again. A while back they also submitted a wage garnishment for me when I NEVER received the notification because they had the incorrect address. 

I called Immediate Credit Recovery today and spoke with XXXX XXXX who agreed they made a mistake, but she did not seem knowledgeable enough to assist with my issue. I requested a manager by the name of XXXX XXXX ( garnishment manager ) and she assured me she would send " up '' a complaint to the compliance division and then they would forward it to the Department of Education. She stated there is no exact time frame they could give. I am frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
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 status incorrect

Complaint:
We have account with XXXX XXXX XXXX. We applied for a business loan and was turned down because Transunion reported that we are Serious Delinquency, accounts not paid as agreed, time since delinquency is too recent or unknown and number of accounts with delinquency. So I checked the credit report it is XXXX that is reporting that our loan was charged off XXXX XXXX put we are making payments. We checked the credit report again on XXXX, XXXX and it says charged off as bad debt, profit and loss write off and closed. We have been making payments, so should we not make anymore payments or what? Where have my payments been going? We applied for a loan did not get it. We XXXX XXXX XXXX XXXX we really could use a loan did not think there would be a problem. This is hurting our business we went to several places could not get one our personal credit is always checked. We have worked real hard to have good credit. One of our store credit cards have lower our credit line. When will this stop? Is it XXXX or Transunion or both. We have never had a problem like this. Hope you are the right place to go.

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 2021-09-03
Company: PNC Bank N.A.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX pnc mortgage homeowner insurance bill they waited until XX/XX/21 to pay it from my escrow account. the payment did not get to nationwide an my insurance was to be canceled on XX/XX/21. called several times to pnc couldn't find check.that was mailed. Was told XX/XX/21 that they could stop check an issue another but I would have to pay extra money for a few months to cover it. WHY? Also My property taxes are not paid due XX/XX/21. Taking copy of the bill to PNC bank in eden square bear de so they can fax to mortgage company. because they said the didn't relieve a bill. also sent out in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I just recently received a copy of my credit report. I have filed a Identity theft report. I was incarcerated for 5 years. I noticed multiple accounts that were opened while i was in jail. I did not open these accounts or gave anybody permission to open these accounts. Please remove these accounts as do not belong to me. 
accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
vehicle was repossessed but Westlake Financial Service is still reporting a past due on my credit report which is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: AES/PHEAA
State: IN
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 have been making student loan repayments to XXXX XXXX for approximately 4 years. I was under the impression that the program/plan that I enrolled in was for those employed in XXXX XXXX jobs. This program was to forgive one 's remaining debt if on-time payments were made over a 10 year agreed term. Each year, I have been required to complete a re-application for the income-based repayment plan. When my re-submission was reviewed for upcoming 2018, I was informed that I was denied. After a number of phone calls yielding little to no information over the course of three months, I was told that I never completed a " employer certification form '' and that the years of monthly repayment may not have been valid toward the plan thus, not making my loans " forgivable '' after 10 years of participating in a program that I thought I was a part of. I was never made aware of the form that needed to be completed by my employers ( I 've been employed in XXXX XXXX XXXX XXXX XXXX during my loan repayments ) until this week. Now, I am expected to make payments for approximately {$600.00} a month verses the {$220.00} that I have been making. This is just completely unreasonable and XXXX has done nothing to assist me. To make things worst, they are giving my wife an even more difficult time with her loans. The expectation of our family paying roughly {$1400.00} a month for student loans for the remainder of my working years is completely unfair and irrational. I have found that a lot of people across the nation have had similar problems with XXXX XXXX. There has to be a better way. I have paid thousands of dollars toward this debt only to see minor dents made in the large sum that is still owed. The interest just seems to keep me in a position of never making in progress -- I 'll be paying on this until I die. This is just crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I can't get into my account to make payments. When I log into my account it comes to a page that says " Error : We're sorry - an error occurred. Please come back later and try again. '' This has been happening for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello My daughter has a car loan with ALLY/XXXX. The first payment was due in XXXX. 
She paid it on the company website as requested. XX/XX/2019. 
Second payment XX/XX/2019. What happened next caused the problem. 
Payments were reversed from them to us. XX/XX/2019. And Returned on XX/XX/2019. 
Again reversed for the payment on XX/XX/XXXX, and again for the payment on XX/XX/XXXX. 
We have made the payment they way they asked. On the company website. 
Now we are constantly in arguments with them because they want to charge late fees for all the payments. And constantly call us demanding payments. We have made the payments in good faith to them. We can not control mistakes on there side. We have not been given an explanation as to why they keep reversing the payments. This is just becoming a major harassment issue. Thank you XXXX XXXX XXXX my cell XXXX ALLY Financial

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 2019-02-05
Company: AES/PHEAA
State: NY
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:
My loan was transferred over to XXXX XXXX In XX/XX/XXXX as the result of me filling out paperwork regarding student loan forgiveness for being a XXXX XXXX. Prior to this transfer and after this transfer I was making additional payment towards my loans above what was due monthly. These payments were applied towards future payments and each month I would receive a statement that no payment was due. I eventually stopped making these additional payments and continued to receive statements that no payment was due. Around XXXX of XXXX I received a statement indicating that a payment was due and that all of the payment would be applied to outstanding interest. Subsequent statements after this indicated the same. When I contacted XXXX XXXX they indicated interest was accumulating the entire time and that I would have had to have made payments each month to cover that interest to avoid this. The company did send me a payment history that indicated each payment received a part of it was being applied towards principal and part of it was being applied toward interest so it didnt help explain why interest would still be do. 

The underlying issue is the statements received during XXXX through XXXX never indicated payment was due during that time and made no mention that interest would continue to accrue and payment would need to be made to avoid this. The way the servicer applied my payments and issued statements was an unfair and deceptive act and practice as the statements should have indicated interest was accruing and a payment should have been in fact due to keep the loan current. This ultimately has made my loan cost significantly more in interest that it should have causing harm to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/2020 our shop was closed on Quarantine by the NY Governor order. 
I could not pay my home mortgage and contacted Mr. Cooper Motrgage company to pause my payments until we would be allowed to go back to work.

I missed 4 payments total of {$3900.00}, and as soon as we start working I renewed my payments. After I discovered that Mr. Cooper adds {$3900.00} to my principal as a penalty, Mr. Cooper said that they made some kind of forbearance program, that allows them to charge me an extra monthly payment amount of {$990.00} x 4= {$3900.00} and add it to my principle. I think it should be illegal to penalize people 100 % of the monthly payment. 
I never agreed to that, I never signed any documents and I think it should be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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:
Experian has this XXXX XXXX auto  loan reporting on my file however the account is inaccurate and i have documentation to prove it and XXXX XXXX is in violation of the fdcpa with predatory lending practices of the acct XXXX XXXX XXXX  : XXXX so in the attached sheet from a XXXX XXXX XXXX  statement it shows the terms of this loan is 75 months ... then look at the experian report they reporting that the loan term is 77 months, i obtain a print out from the dealer it showed the term was 72 months, which is it? What we know is that this data is inaccurate Another thing no fault of experian is XXXX XXXX   reporting saying the apr is 5.89 % the dealer has it at 6.89 % this account is in fdcpa violation its just not reportable See attached sheets, experian can not correct this XXXX XXXX can not correct it, between the dealer, XXXX XXXX XXXX  and experian they have three different information on this loan suggest shady tactics and documentation was falsified Therefore this inaccurate data experian is now aware of it, its on paper i need the data remove its misleading See attachment Will be mailed to XXXX CFPB AND ATTY GENERAL OFFICE Experian you are herby notified that this account does not qualify to be on my report, you cant say later you did not know because this account will take on a different complaint process if its not removed

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 2019-08-24
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/XXXX I opened an unsecured loan with a local financial institution. The loan was paid off XX/XX/XXXX and the credit bureau ( Equifax ), is still reporting the account not paid, and, or still open as of today 's date. I have contacted the financial institution, the representative said the account was reported in XX/XX/XXXX and being paid off and closed, but the credit bureau still has not changed the account status, thus hurting my FICO score. 
I have initiated a complaint with the CFPB to no avail. Something needs to be done cause I am victim of identity theft and I am also a victim of the Equifax Data Breach of XX/XX/XXXX. My  next step is to file a cause of action in the appropriate court ( s ) for relief against " ALL '' " entities '' involved for not doing their jobs in investigating my ligitimate complaint ( s ), filed in accordance with FCRA, and The FTC. I have included screenshots of the item in question from the credit bureau itself. ( See attachments ).

Company response to consumer: Closed with explanation