BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have applied for a loan modification. The servicer is stating there are no retention options available. I have been trying to do a loan modification and a short sale for the last 3 years and the bank is not offering me any options at this time. I spoke to the investor who stated that they do allow modifications and short sales and that SPS is the one who is making this decision although they allow both options. SPS states the investor doesn't allow the options, which the investor has stated isn't correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am currently paying between 7.5 % and 6.25 % interest on my loans. My home is at 3.25 % and I have an asset, what is the asset I received from college? I understand they need to make money, but they were given money at 0 % from the FED and charge me 7 % for something that is helping society if I get a job and pay taxes. This is an issue that must be dealt with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
The private student loan accounts from Navient all showed closed in 2016 and now they are all showing that they are open again and my cosigner is now listed as a joint account hold instead of cosigner. I contacted Navient about not being able to make payments because of hardship and even after doing a financial statement showing a negative income after all my bills they still wont put my loans into forebarance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: MT
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:
These are not my accounts. This is a second requests. Note that I am not a credit repair company nor mortgage company. Please remove these accounts from my credit profile. I am currently active in the U.S. Military. There are credit card laws that protect military members to those who are currently working overseas. Please remove any negative remarks from my credit reports.

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 2022-03-18
Company: Advantage Credit, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This complaint to ADVANTAGE CREDIT INC was the result of their non-compliance to my request to remove their unauthorized furnishing of an inquiry on my account. I never reached out nor authorized them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Was informed that insurance was going to cover bill. The collection debt was paid XXXX XXXX ( XXXX ) via phone. After it being paid, was denied for it to be removed. I did not receive any notifications that bill could have gone to collections debt beforehand. Would like for it to be removed for home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On my credit report, Enhanced Recovery Company has a collection from XXXX XXXX XXXX for the amount of {$510.00} as of XX/XX/2015. I called and they said there is no information that they can give me besides the account holder 's name and address. The name is not my name and the address is not mine either. 
I have called XXXX XXXX XXXX and all their affiliates, they confirmed that there is no current or past account holder with my name, address or SSN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
PLEASE DO NOT REJECT THIS COMPLAINT. THE LOAN/ACCOUNT IS IN XXXX XXXX XXXX NAME AND I 'M XXXX XXXX THE RIGHTFUL OWNER AND THE ONLY OWNER TO THE PROPERTY SECURED BY THE CURRENT LIEN. I 'M NAME IN THE FORECLOSURE ACTION / LAWSUIT AND I HAVE ATTEMPTED TO RESOLVE THIS MATTER. 
I have tried to save my home for nearly 2 years or more now. I have continued to receive the runaround from the following parties XXXX XXXX with The XXXX XXXX, Selene Finance and their various representative, XXXX Mortgage XXXX XXXX. I provided all the documentation that was asked of me to include a plan to resolve the mortgage and unfortunately no one has responded back to me. The loan is currently in the name of party who is non responsive however through a court order the house was awarded to me. Please help, I want to save my home and I can afford it. See all documentation and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to file a complaint regarding M & T Bank of XXXX Texas. they claim I had a lapse in insurance for the property we had a loan with, this is not the case. I have complete documentation that there was no lapse in insurance. M & T Bank withdrew {$230.00} out of my escrow account to buy a temporary policy without my permission or letting me know, I received no policy number or information about the temporary insurance. I have no proof that they bought this un-needed policy that I did not need because my policy did not lapse. The money in the escrow account belongs to me it is not a slush fund for them to remove money without my permission I consider that theft. I have called my insurance company they have assured me my policy never lapsed, my insurance faxed, emailed and texts my policy information to M & T Bank. M & T Bank did not care and was taking the money anyway. I believe they have sloppy book keeping and I think a full audit should be performed to protect customers. I am sure I am not the only one with an issue. Thankyou for you attention in this matter

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 2015-06-10
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I never received right to dispute or demand letter. i found out i had this debt from my credit report, I sent a letter to them demanding verification to no result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It showing that I have a parking ticket in the amount of {$89.00} that is not mines out of XXXX. I contacted them advised what was on my credit report and stated that I have NEVER received a parking ticket and I would like this removed from my credit report. The debt collector referred me to call the original collect and they referred me back to the debt collector. Now I have been given the run around. I have never received any parking ticket because I NEVER park wrong, never signed for nothing, never went to court or anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Fraud was detected on my card on XX/XX/XXXX, unfortunately that was the same day that XXXX took over being the processor from XXXX XXXX. After waiting on hold for over two hours they ordered me a card, the card never came so they ordered another, that never came ... Bottom line is as of XX/XX/XXXX I still do not have a card. History shows card ending in XXXX on XXXX, card ending in XXXX on XXXX, card ending in XXXX on XX/XX/XXXX, which I am still waiting on. Trying to reach customer is an hour wait each time. I been hung on by CS reps, I ask to speak to a manager and they decline, say they will call you if they need anything. In addition the GM rewards associated with the account are all wrong on the statements. They also reduced my cash advanced limit from XXXX to XXXX, keep in mind my credit score is XXXX so why? I also have an issue with not being able to move around the website, even after logged in, without having to be sent an Authorization Code to view my account. This bank is not ready to be a processor of credit cards nor are the CS reps trained properly

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
American Education Services ( AES ) is reporting inaccurate derogatory information on my credit reports. AES is reporting that I was late on my student loan from XX/XX/2013 to XX/XX/2013. This is inaccurate because my loan was in a forbearance period during that time. I respectfully request that AES remove this inaccurate derogatory information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan service company, NewRez, has not paid my property taxes from my escrow account and continues to ignore my inquiries about the same. Last year they paid the taxes on the same property on XX/XX/2019 so theres no excuse for not paying the taxes this year.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: PA
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:
The XXXX XXXX XXXX XXXX website refused twice to deliver my credit reports. I was told to contact the individual companies for my reports. All 3 companies have flat out refused to provide me my reports. This in spite of the fact that I am looking for employment, and a new apartment. So I am absolutely eligible to receive my reports from all 3 companies for 3 separate reasons. I was due and eligible for my yearly free reports. I am also looking for a new job and apartment. Further more ; last year I disputed some entries on my credit report with all 3 companies. Their ideas about what an investigation is was to call the original people who erroneously reported on me and simply ask them if these were my debts. I demanded to see my signature or copies of my ID for anything being reported. They refused again. This is just not right. Too often in this country the little man gets stepped on and beaten up by corporations and organizations who do not even follow the laws. If rule of law is ignored by them why do I have to follow it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: eToro USA LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
ETORO, liquidated by crypto positions and closed my accounts. I can no longer access my accounts. They closed stating that I did not provide sufficient information. I had uploaded Passport, Drivers license and voice recording. These were asked months after I was using their platform. They were not asked at registration. I did provide them. 

My Loss : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: OR
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:
Fraudulent inquiries and inaccurate account information

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 2016-10-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My Chase mortgage and my Chase Equity line of credit payments are not being reported on my credit report. this is after I finished my chapter XXXX bankruptcy. My Chase Mortgage and line of credit was not in my chapter XXXX. They are not showing any payment history well over six years. I came out of bankruptcy XX/XX/XXXX When I contacted them about this they would not talk to me. All I wanted to know, was when would my payments and balance be reported right on my credit report after my chapter XXXX bankruptcy. These accounts was not in my bankruptcy, Do they have the right not to report XX/XX/XXXX payments if I'am paying on time and I'am out of bankruptcy, or do I have to wait seven years or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Kriya Capital, LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I received a phone call from Credence Resource Management LLC, claiming I have a debt of {$3200.00} with them. I called my insurance company since it was from an ambulance service on XX/XX/2020. My insurance company said that it was grounds for an investigation because I had coverage from XXXX XXXX XXXX and XXXX for that date in question. This company, Credence Resource Management was very incisive and offering immediate plans to pay by credit card the supposed debt. I'm very surprised I didn't get any notifications from the ambulance company or my medical insurance. Today, I received a letter with the same information given above. I would like to know my right to appeal or how can I resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I recently requested an investigation on my credit report for XXXX separate items you 've come back on the XXXX and claim that you have verified that all XXXX belong to me which I find extremely odd considering that none of them belong to me the first XXXX is XXXX XXXX XXXX account number XXXX the second XXXX is XXXX account number XXXX how is it possible that you were able to verify that these accounts belong to me if you look at my credit report if you look at all three credit reports it is very clear that I was a victim of identity theft there are alerts and freezes on my credit report there are warnings about variations of my social security number being used there have been addresses that I have never lived at for example like XXXX XXXX where they have mailboxes that I do n't have XXXX at so of course they 're able to verify some basic information of course my name possibly the address things like this if the Criminal Who open these accounts did n't have the majority of the basic information he would n't have been able to open the accounts to begin with I mean there 's even been police reports filed and investigations I want a detailed explanation of how you came to the conclusion that these XXXX accounts belong to me I want to know all the identifying information that was used to verify these accounts because they do not belong to me they were open by someone else not myself and I am not liable the third account is the public record in XXXX Michigan case number XXXX this case is a little bit more complicated the credit card that sued me was for a furniture store once again the account was opened fraudulently XXXX XXXX the company everybody agrees at this point and the Judgment has been vacated this should not still be showing up on my credit report again if you have verifying information that it should I want a detailed explanation of everything that was provided to you by law I 'm entitled to this explanation if you 're unable to provide an explanation that I expect all XXXX of these accounts removed immediately they do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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:
On our about XX/XX/XXXX a collection from XXXX XXXX  for XXXX was reported and placed on my credit file. The original creditor was XXXX XXXX XXXX. 
On or about XX/XX/XXXX I solved the problem with XXXX XXXX XXXX and XXXX XXXX XXXX contacted XXXX XXXX  to have the collection deleted from my credit file. The account should have never been sold to a collection company. On or about XX/XX/XXXX XXXX XXXX  issued a record of deletion to all 3 major credit bureaus. XXXX  and XXXX  deleted the file but Trans union did not. Trans Union is reporting a paid collection which is incorrect. I did not pay anything, the XXXX XXXX XXXX XXXX collection amount was the value of cable equipment I returned in XXXX. They lost record of the returned equipment so when I contacted them they immediately found the equipment by serial number and apologized to me for the error. I never owed XXXX XXXX XXXX money and I never paid anything. I have explained this to Trans Union over the phone and in writing. XXXX XXXX  tells me that if Trans Union were to contact them they would verify they sent a record of deletion. I requested a full investigation 3 times but Trans union continues to report the collection as paid and verified.

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 2020-12-29
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 am a victim of ID Theft. 

Please see the ID Theft Affidavit attached for the fraudulent account, and inquiries listed on my credit report. I've attached a scan of my ID front & back for purposes of verifying me. I've also attached a NOTICE TO FURNISHERS stating you guys must do your jobs and remove all of this information. 

FYI ; on some of the inquiries some of them appear more than once and I did my best to try and list them all correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have already reached out with certified mail with tracking of the recipient to IQD You IQ DATA INTERNATIONALXXXX XXXXXXXX at XXXX XXXX XXXX BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation.

furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: OneMain Finance Corporation
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ONEMAIN - Account # XXXX The above account have violated my rights. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation