BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have reached out to PennyMac on several occasions concerning their misapplication of my mortgage payments. Each time I speak with a representative, I am given the run around, given a different answer or I have been spoken to flat out rudely and unprofessional ( most recently by XXXX, XXXX and XXXX ). I asked to speak to a manager and I was transferred to XXXX who I later found out is not a manager. When I asked her to let me speak to a salaried official, she did not know what that was. I advised her I would be filing a complaint with the Consumer Finance Protection Bureau and she said she did not care. 

I need some assistance in getting these payments applied correctly. I am the customer and I do not deserve to be disrespected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Withdrew money in checking account down to {$100.00} and saving account down to XXXX dollar. I had deposited this money to pay my mortgage. Now I cant pay my mortgage. From my understanding since it is credit card debt Wells Fargo has violated The Federal Reserve Boards Regulation Z, Section 226.12 ( d ).

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 2021-03-05
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX Account # XXXX asserted collection for Comenity Bank for {$560.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. XXXX XXXX is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. Historically, XXXX XXXX has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XX/XX/XXXX report and my XX/XX/XXXX XXXX Credit file reveals XXXX XXXX extending this reporting time by an additional 2 years. 

The actions of this collector is reckless, targeted, and with malice intent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX keep reporting me late on Child Support. I disputed it because that is an error. I am not late it comes out of my check automatically. I had it set up that way so I won't be late, and I take care of my child. I send extra and have receipts. Yet I thought for sure with all of that XXXX  would remove the error. Instead they reported me late again and dropped my score. they never responded to my dispute on this. It's been 90 days since I disputed it

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 2018-04-29
Company: Freedom Mortgage Company
State: CO
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:
On or about XX/XX/2018 I was notified by our Mortgage lender, Freedom Mortgage that they did not receive our payment for XX/XX/XXXX. I immediately faxed customer care the copy of the cashed check in the amount of XXXX. On XX/XX/XXXX, I received another letter asking for a payment of XXXX. They stated they did not receive my fax or payment for XX/XX/XXXX as well and are now charging me a late fee of XXXX. I proceeded to fax them proof of XX/XX/XXXX and XX/XX/XXXX 's payment. This time they told me they only got the first cover page of the fax. On my end I show that all pages of the fax were received. I have called customer service at least ten times, e-mailed three times and sent information certified letter to two different locations which they signed for. For some reason I discovered that the account number had gotten switched back to an old account number I had with XXXX XXXX  when Freedom acquired my loan. I do not know how this happened but I relayed this information to them. They acknowledged they got this information and proof of payment but continue to send me letters with threats of foreclosure and reporting me to the credit bureau. I got into my credit report today and found that Freedom Mortgage has now placed a negative mark on our spotless credit report. I will also be filing a dispute regarding this matter. I am helpless and unable to get this resolve while they damage my credit and threaten to foreclose on our home. It is time to make XX/XX/XXXX mortgage payment and I am frightened they will loose this one as well.

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 2021-05-06
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 XXXX  and the Creditors ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Apartments ) involved 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
Consumer complaint received 2018-06-12
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit from XXXX XXXX and noticed a debt from debt recovery solution, LLC was added to my XXXX report for {$82.00} this was previously disputed and removed on XX/XX/2017 when XXXX reported this same amount from the same source. After contacting them and saying I did not know this debts. no letter was ever sent to me and this keeps coming up on my credit report. 
this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Between XXXX and XXXX CHASE transferred money from my credit card that I had with them to a XXXX XXXX  fake account! I called them many time about this! They said " we take care of '' but they did not! I canceled the card in XXXX and paid Chase what I owe them! NOW 4 year later the sent me a letter saying that they will keep reporting me to the credit reporting people until I pay they their blackmail money!!! I been fighting these card companies that work with discovery bank in stealing money from me and others!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Rapid Auto Loans LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I wish to complain concerning the loan practices and repossession of my XXXX XXXX XXXX ( VALUE {$12000.00} ) by the above referenced company. 
In XX/XX/XXXX I took a {$4000.00} loan from Rapid Auto Loans. Within the first 60 days of taking the loan a forced place insurance was added making the payment go from XXXX a month to {$550.00}. In XX/XX/XXXX I went into the office in XXXX and demanded the insurance be dropped from the loan seeing I had been insured by XXXX XXXX Insurance for 30 years. ( XXXX XXXX made them additionally insured ) The secretary mentioned she would remove the insurance once the loan was paid up to which I did. Several months passed with me making approximately {$3600.00} of the loan. I had contacted Rapid on several occasions showing them my insurance and demanding they remove the front-loaded costs to the loan. Rapid Auto ignored my requests. 
In XX/XX/XXXX my XXXXyear-old father was in a car accident and I flew to Rhode Island on an emergency basis leaving my truck at my office. The vehicle was repossessed by Rapid AL stating then stating the balance with all costs was {$5200.00}. I did not have the money and I offered {$2500.00} cash then and {$2700.00}. with-in 60 days, Rapid AL refused the deal and auctioned my vehicle off. Rapid Auto Loan never removed the charges for insurance even thou they knew from day one the vehicle was insured. I believe this is a practice to illegally take vehicles from financially challenged individuals. I believe the practice also violates the statues and would like your agency to render an opinion on their practices. I can no longer obtain any information from this company as my loan was pulled from the internet. I can provide payments from my debit card. The ledger is with Rapid Auto Loan whose have been very discourteous toward complainant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Addendum to complaint XXXX On Monday XX/XX/19, after speaking to a financial advisor who told me I should try to get REPAYE bc remaining interest above 10 % would be forgiven. I said Nelnet told me I was disqualified bc I had XXXX loans. He advised me to ask if my consolidating those, I could get the grad loans on REPAYE. I called Nelnet, and was told I COULD qualify for REPAYE, but would be charged XXXX to " make a change. '' I asked to speak to management because 1. I had been told prior I did not qualify for REPAYE, but was not given any solution ( the solution would have been to switch my XXXX loans from IBR to REPAYE early in the process and avoid " making a change '' penalties '' ) Additionally, I was told I still needed to send in a self certified letter to qualify for IBR, which I had been stalling on so I could gather all this information and do my own research before finalizing it, after becoming aware of all the " change '' penalties, and having made the unfortunate discovery that Nelnet servicers would tell me something different every time. So come yesterday, somehow I am fully locked into IBR and will need to pay penalties to switch to REPAYE. If I had been given the correct guidance from the very start there would be no 22k penalty, however 3 different loan servicers lead me to believe that IBR was the only way and i was stuck paying a third the balance on IBR with a wildly snowballing principal. I confirmed this fact w the penultimate phone call and NO ONE EVER SAID, hey wait you will avoid having a huge balance in 25 years if you do REPAYE instead. These people apparently think we are dealign with XXXX money and that it's ok to have people that don't understand finance from a long term standpoint dishing out instructions and advice that have horrible long term consequences. The manager agreed with me that I was not given complete information, but said he could not  reverse the XXXX penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Navient Solutions, LLC.
State: UT
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:
I have enrolled in Auto Pay and have been making extra payments in addition to the automatic payments. I made an additional payment of {$800.00} on XX/XX/2018 over the phone. I instructed I did not want it applied to future payments and I only want to be applied to loan # 2. They misapplied the payment and since then my auto payments have been incorrect despite calling numerous times to fix the problem. I made another additional payment of XXXX on XX/XX/18. I once again called Navient and requested my overpayment be applied to loan # 2 and for it not to be applied to future loans. This payment was processed incorrectly. My auto payments have been incorrect since XX/XX/2018. I have multiple debits and credits on my account due to Navient trying to correct their error to the point where I an unsure of what my balance actually should be. I call at least twice a month for them to correct their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Tavelli Co., Inc. dba Tavco Credit Services
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
TAVCO CREDIT SERVICES - sent account to collections with no attempt to contact us regarding payment. They claim that legally they were not able to call or sent letters to us because we live in Oregon and the emergency room imaging was done in California ( on XX/XX/XXXX ). Never knew about account until a credit check was ran, and found that this was in collections. Has lowered credit score by 200 point! Immediately called the company and paid the amount due of {$510.00}, paid in full on XX/XX/XXXX. Would like this completely removed from our credit history due to lack of communication from Tavco.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While renting a car from XXXX XXXX XXXX XXXX XXXX ) I was involved in an accident on XX/XX/2017 in which the damages {$460.00} were less than my deductible therefore making me liable for the payment for repair. Upon returning the car for repair on XX/XX/2017 I was allowed to continue to rent that specific car XXXX XXXX XXXX XXXX XXXX. That same day, of no doing of my own I was put on a payment plan for the money owed for the car repairs by the manager XXXX because I continued to rent cars from XXXX XXXX XXXX. From XX/XX/2017 to XX/XX/2017 I payed the money for the car repairs and ended my rental period with no balance owed. On XX/XX/2017 I received a letter from XXXX XXXX XXXX stating I owe a balance of {$560.00} to them because of non payment to XXXX XXXX XXXX. I responded to the claim through email stating that no balance is owed and I have all receipts. I later see on my credit report a collections account for {$770.00} from American Collection for XXXX. I disputed the claim and asked for verification from the credit bureaus and American Collections and received an updated amount from American Collections for {$110.00} owed. I have disputed this claim repeatedly ( 3 times ) with no success of removal. I have also sent proof through receipts and still no success.

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 2018-02-09
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 have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.

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 2020-02-05
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I purchased XXXX merchandise and returned the items on tracking number XXXX. I provided PayPal with XXXX and email confirmation from XXXX confirming receipt and credit issuance on XX/XX/XXXX. PayPal reverse the merchant credit provided to my account on XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-26
Company: General Motors Financial Company, Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In the beginning of XXXX of 2018 I sold my XXXX which was leased through gm financial. The vehicle was paid in full and I had a XXXX  balance on the account. On the XXXX of XXXX they took an additional {$340.00}. I called gm financial and they said it was an error and I would receive a check in the mail. The said they would discontinue the payments being taken out of my account. I never received a check. Now again on the XXXX of XXXX of 2018 they took another payment for {$340.00}. They are taking my money now without my authorization. Please help me get my money back this is fraudulent what they are doing. I have other bills that Im unable to pay because they take the money out of my account without any authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 believe I have fallen VICTIM of their inquiry issue. 

My TransUnion Credit report is showing multiple hard inquires that I am not aware of as I keep a very close eye on Credit Reports working had to maintain an Excellent credit profile. 

XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/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 2021-05-25
Company: T.S. Holdings
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit was pulled back in XX/XX/2020 10 times dates being XX/XX/20 twice on XX/XX/2020 twice in XX/XX/2020 once XX/XX/2020 once XX/XX/2020 once XX/XX/2020 once XX/XX/2020 and once XX/XX/2020. I found this out by checking my credit report ( in which I do twice a year ). After seeing that, I put a lock on my credit. 5 Months later I get a notification on my report stating I owe {$8000.00} from a company named XXXX XXXX XXXX XXXX. Ive never heard of this company before! I called the collections ( IQ DATA INT ) and got there information for a dispute and they told me I owed this money immediately for an apartment with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX! I told them I went through identity theft and do not live in that area at all and have a police report! they told me that it doesnt Matter I signed papers etc ... ( XXXX was the representative I spoke to ). I explained that I never signed anything Ive been living at my current address for 3 years. I got their information which is XXXX XXXX XXXX  XXXX  XXXX. XXXX XXXX XXXX  XXXX XXXX, WAXXXX ( XXXX ) XXXX ) is XXXX XXXX XXXXXXXX address. I then proceeded to call experian and they told me to contact this website for fraud reporting. Please what can you do to help remove this fraudulent activity off of my credit and restore my points?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I received a hecm for verse morgag then i find out that my loan had been given over to XXXX XXXX and they are charging me XXXX a moth to stay in my home this is interest monthly, There is no doubt that this is a sink quick scam1 what if I live to be a health XXXX women at XXXX a month plus my taxes plus care plus medical premiums and insurance how am i going to get through this, I cant and i am sinking right now. i need help with this, they said i can take equity out of my house because my credit score went down do to having to pay home care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/2020 : I sent letter to the Experian, XXXX XXXX XXXX asking them to verify the Bankruptcy and up until now, I never received any correspondence from them. I sent them a letter monthly for follow-up for several times but I haven't received anything from them nor a validation. 
XX/XX/2020 : I sent letter to XXXX XXXX to verify the Bankruptcy that has been appearing on my credit report. 
XX/XX/2020 : XXXX XXXX Responded to the letter stating that the record has been deleted because they were unable to verify the accuracy and on XX/XX/2020, I forwarded the correspondence from XXXX XXXX to the aforementioned 3 major Bureaus requesting them to reinvestigate. Now, I have not received any response from them. Please help me on this.

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