BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-30
Company: Social Finance, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Some background : I graduated in XXXX XXXX and 6 months after, in XXXX XXXX, I was expected to start repaying my loans. In attached documents you will see the principal amount, interest rate, and monthly payment amount. The job market has been tough, so I have been working several part time jobs, XXXX XXXX to make ends meet and have been trying to find salaried work for about a year and half. No luck, so I plan to obtain a XXXX certificate and become a XXXX in the coming year to two years. 

Since I have been expected to start making monthly payments, I think I have been able to make a total of 4 or 5 payments. SoFi has worked with a little bit, they granted me two 3 month long Economic Hardship Forbearances and these have helped immensely. However, there is a limit to how many of these you can be granted throughout the lifetime of the loan. ( As a side note, none of the representatives I ever talked to informed me the there was a limit on the amount months you could be in Economic Hardship Forbearance. Luckily, I read this in the fine print randomly on their website. ) I have used 6 of the 12 months allotted for my loan lifetime and am weary of using the other 6 when the lifetime of the loan is so long. I ca n't guarantee that I wo n't be in a similar financial hardship in the next 20 years, so you can understand why I want to avoid burning through this forbearance allowance in the first year. 

For XXXX XXXX, I have been unable to make the monthly payment. I was doing fine until we hit the slow season at work ( XXXX XXXX during the holidays is hit or miss, for my job unfortunately it has turned out to be a huge miss ). So I called SoFi today  ( XXXX XXXX, XXXX ) to inquire about ways to lower my monthly payment. They forwarded me to XXXX, the company that works with them to process all payments. I spoke to XXXX who said my only options are to either 1 ) refinance or 2 ) apply for an economic hardship forbearance ( the  forbearance I described above ). I explained to him that neither of those options are reasonable because one, refinancing requires a hard inquiry on your credit ( which isnt worth doing when nothing drastic about my financial status has changed since the original financing of the loan ) and two, for the reasons mentioned above, I do n't want to use more months of the economic hardship forbearance. 

I then inquired about an income driven repayment plan to help adjust my payments to the income I 'm making. He reminded me these types of plans are only for federal loans, not private ones and basically said, sorry, youre out of luck. He told me to have a good evening and the phone call ended. This conversation unfortunately mirrored past conversations with SoFiXXXX where I left feeling hopeless and even more stressed out about the looming monthly bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY CH-XXXX ref # XXXX. Item has been withdrawn last XXXX XXXX, my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.

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 2018-08-09
Company: EOS Holdings, Inc.
State: UT
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:
This collection from XXXX XXXX has two issues. It is from over 7 years ago and they are trying to collect on equipment that I returned. I returned it with their self shipping label, and they refuse to provide it to me to validate that the equipment was returned. If they would just look into their system, and pull up the records they would clearly see that is was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This company is charging me XXXX which is n't the correct loan price. My loan amount was XXXX. I have paid XXXX. On my credit report Green tree Servicing LLC, PO Box XXXX, XXXX XXXX, SD. XXXX. ( XXXX ) is reporting my loan as new to keep it open. this loan have been a charge - off on XXXX with an account paid in full. This account was opened XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property tax is paid with my mortgage payment via SLS Mortgage - the loan servicer. 

In XX/XX/XXXX, I called SLS Mortgage to find out what the process would be for receiving a refund if I decided to directly pay my 2nd property tax installment by XX/XX/XXXX. I was told that it was a simple process to be reimbursed for the pre-paid property tax ; that I would just need to fax or mail SLS a letter requesting the refund and a receipt from the County proving that I had paid the tax. I was clearly misled when I was told that it would be a simple process back in XXXX. 

Based on what I was led to believe, I prepaid my 2nd property tax installment by XX/XX/XXXX, and did exactly what SLS required in order to receive my refund from the escrow account. On XX/XX/XXXX, I mailed all verification of the paid tax. However, as of today, XX/XX/XXXX, I have NOT received my money back from SLS. 

I have been calling since XXXX, and have been given the run around by various departments at SLS.  I believe that SLS is illegally holding my funds. Please have SLS release my money immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Prosper Marketplace, Inc.
State: GA
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, unfortunately, had to file bankruptcy in 2015. One of the accounts included was a Prosper Marketplace Loan. I have disputed the way they are reporting on numerous occasions ( at least 6 ). They report to XXXX monthly that the account is charged off with a balance and payment is late. They report to XXXX the account is charged off no further action, no monthly updates because it was included in a bankruptcy. I understand the item will remain on my credit for two additional years, however, it is my understanding they are not allowed to continuously show a balance and late payment I am working extremely hard to repair my credit, it is very discouraging to have my score drop every month when they report me as late. over the last five years, I have not missed one payment for any company and paid off some that were in the 2015 bankruptcy.

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 2021-04-23
Company: RMA Credit Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RMA CREDIT is claiming that I owe them {$51.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2019-05-24
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I applied for a bank promotion. I have met all the qualifications as required. They are not paying the account bonus. I will attach records to prove 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 2019-10-07
Company: Continental Finance Company, LLC
State: VA
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 received a credit monitoring alert a little after XXXX EST on XX/XX/XXXX, stating that a lender requested a copy of my credit file. When I logged into my XXXX  and XXXX XXXX  portal, it was clear that Continental Fin Co had in fact pulled my credit without my authorization. I have not applied for any products with this merchant. Furthermore, the address that the consumer provided to XXXX is an address that is over five years old that I have not occupied since 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 2020-06-06
Company: EQUIFAX, INC.
State: VA
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:
XXXX  is reporting 3 student loan accounts with incorrect original delinquency dates, which is preventing them from aging off of my credit report. All of these accounts went into repayment per the promissory notes in XX/XX/XXXX, and they have never been brought current. However, XXXX re-aged them in XX/XX/XXXX after my chapter XXXX bankruptcy plan was completed, and is reporting them with an original delinquency date of XX/XX/XXXX. They are scheduled to be removed in XX/XX/XXXX, but they should be deleted due to their age.

I have attached the complete account history for all 3 loans and they show the 1st late fees charged on XX/XX/XXXX, which is the true original delinquency date. There have been some payments made to the accounts, but they were made involuntarily by my bankruptcy trustee during my chapter 13 bankruptcy, which was from XX/XX/XXXX-XX/XX/XXXX, & the amounts the trustee paid were not enough to bring any of the accounts current.

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe these debts, the accounts are over the statute of limitations in my state, and the accounts have been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: NY
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:
The following companies gained access to my credit report which was not permissible : XXXX XXXX Inquiry Date : XX/XX/2019 XXXX XXXX XXXX Inquiry Date : XX/XX/2019 XXXX  XXXX Inquiry Date : XX/XX/2019 XXXX  XXXX Inquiry Date : XX/XX/2019 XXXX/XXXX Inquiry Date : XX/XX/2019 XXXX XXXX Inquiry Date : XX/XX/2019 I have contacted Experian to have these inquiries investigated on numerous occassions to no avail. Please assist me in this effort.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$7500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX 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 2019-10-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I acknowledge that I fell behind in my mortgage payments do to family problems and I have sent a hardship letter providing the details. I also stated that the death of my father has ended this hardship for good. I explained that my mother was in a situation where although she was divorced from my father and him and I had no contact, my mother felt this unnatural responsibility to him. 
I have also stated that although I fell behind in mortgage payments I have not allowed the home/property to go into collapse. I have placed new windows, a new roof, removed a large leaning tree and also had a heating system upgraded. I have also told my service provider that I have {$40000.00}, that i can use as a down payment for a modification. Unfortunately my service provider has sent me an agreement which although I make monthly payments, the payments are over {$4000.00}. a month with a balloon payment of over {$190.00}. by XX/XX/2020. 
This to me seems to be the opposite of a company that wants to work honestly and fairly and I am begging that I be allowed to remain in my home, along with my XXXX year old mother and my husband. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX XXXX 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!

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 2018-03-16
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 I called Loan Depot and spoke to XXXX XXXX XXXX at XXXX ( XXXX ) XXXX. I wanted to refinance my mortgage to get a lower APR. I had XXXX XXXX 's direct telephone number because I had spoken to him previously. On the same date he charged {$10.00} to my credit card as an application fee. He called me back later after checking my credit and said I was eligible to refinance. He asked for a copy of my current mortgage statement, declaration page of my homeowner 's insurance and a copy of my government annuity statement. I faxed these things to him on XX/XX/2018. On XX/XX/2018 {$370.00} was debited from my checking account for an appraisal. Before all of this was done, I made XXXX XXXX aware that my credit score was low because I had closed 4 credit card accounts and am working with XXXX XXXX XXXX to get out of debt and raise my credit score. On XX/XX/2018 I received a phone call from a woman, whose name I didn't get, stating she was sorry that they would not be going through with the loan because of the money that is being deducted each month by XXXX XXXX XXXX. They believe I have excessive obligations in relation to my income. She told me I would receive {$370.00} back. I received the paperwork from them dated XX/XX/2018 stating " Adverse Action Notification '' but still have not received my money. I called XXXX XXXX at least 10 times and had to leave messages asking for my money but he doesn't respond. I called Loan Depot 's customer service,XXXX ( XXXX ) XXXX, on XX/XX/2018 and was told they are not sending the {$370.00} to me because an appraisal was done. I have not seen an appraisal and don't want one. I just want my {$370.00} back. They knew from the very beginning they were not going through with the loan. This was their way of getting money from me for nothing. Loan Depot is a rip-off company and I will make sure to tell as many people as I can. Would you please look into this matter. Thank you for giving this matter your time and attention.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I purchased a computer from a local computer /cellphone repair company for {$450.00} dollars. I purchased it from the owner he told me to make sure it worked when I got it home this was confusing to me but I agreed. I hadn't had time to try the computer until Sunday the XXXX. However on Saturday I received a call from the owner asking me if the computer worked with him on the phone I connected the computer and it indeed turned on. The next day I had the first chance to use the computer it was then that I realized the computer wouldnt update to any of the products that I needed if for. Because the system was outdated and wouldnt allow for updates. I immediately called and left a message with the owner stating I'd he returning the computer. 
I returned the computer the following week within 1 week. 
When I got to the store to return the computer one of the owners received the computer but said the other owner had my money for the return since it was a debit card transaction I said it so the funds should be returned to the original form of payment. When the money wasnt returned I contacted the merchant he said it was a consignment it and the owner hadnt returned his calls so he only had half of my money which he offered to give me but he wanted me to sign an agreement stating I would accept half of what he sold it for if and when he sold it no matter how much that was. I questioned him regarding no posting of the return policy. His response was well ypu should have asked me about the policy. I told him that the state of MA allows any return policy but whatever that policy is it must be posted and it wasnt. All of this was made clear to Bank of America when I disputed the transaction they denied the dispute stating the merchandise wasmt returned even the merchant didnt dispute that they have the computer the merchant also supplied there return policy which states that consigned items can be returned within 1 week. The merchant also supplied a false invoice that states consigned items cant be returned but they also supplied there return policy that they claim is on the wall in clear view of customers within this policy under merchandise you will see my claim that comsogmed items can be returned it's my contention that bank of America didnt investigate this claim they simply denied it I have all the supporting documents to send proving my claims

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 2018-03-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American express decided to close my account without speaking with me in regards to a resolution ... ..I spoke with a representative XX/XX/XXXX-XX/XX/XXXX week about payment arrangements .... Which I have two credit cards green card balance off {$960.00} ( which {$400.00} was being paid, the following two weeks would be an additional {$100.00} ), my other card which was {$350.00} ( with {$35.00} due which was paid that day ) ... .. I received an email that my account is canceled. Called to follow up the young lady XXXX who does not work in headquarters she is currently located in XXXX -states the credit bureau made the decision. Then corrected herself by saying you missed payments .... Which I then explained I have had an issue with the green card because I was misinformed, I was unable to pay total balance, but I am making payments!! I asked for her title to ensure she was a supervisor, which she is not! I also would like to speak with headquarters for action but unable to. I explained that American express is breaking the law, we are currently in different countries, I have not received a far chance to correct my balance!! I still have a payment agreement set up!!

Company response to consumer: Closed with explanation