BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I consolidate ALL of my student loans XX/XX/2015 and was previously with XXXX. I had an outstanding loan with XXXX College which was paid in full once my loans were consolidated. For some reason XXXX is still reporting negatively on my credit reports. Now that my loans have been consolidated with FedLoan, I was advised to apply for an Income based repayment plan which resulted in over {$800.00} a month which is not financially feasible for my family size and monthly financial obligations. Is there something that can be done. I am trying desperately to clean my credit and these loans are out of control at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a car loan with Bridgecrest. The car was totaled in XX/XX/XXXX, they were made aware of this. on XX/XX/XXXX they received {$14000.00} from my insurance, on XX/XX/XXXX they received payment from my warranty balance {$520.00}, on XX/XX/XXXX they received the GAP paid by XXXX {$2300.00}. Bridgecrest reported late payments for XXXX, XXXX, and XX/XX/XXXX after they received all payments prior to these dates. I called them XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about this issue. It took them until XX/XX/XXXX to get their accounting in order and update my account. If it is taking them that long to do their accounting I should have had to suffer with them violating my rights and destroying my credit. They even verified this inaccurate information to the credit bureaus the 3 times I have disputed this on XX/XX/XXXX, XX/XX/XXXX, XXXX. I recently needed to have emergency XXXX work, I applied for a loan and was denied due to their violations of my rights. I had to takeout money from my XXXX and pay a 10 % penalty also. I want them fined for reporting and verifying inaccurate information. And I would like some type of compensation for the money all of this has cost me, plus the fact that I have not been able to do what I need to do because my credit was destroyed by these 3 payments they continue to report. I have my account statement from Bridgecrest showing these payments and when they received them. Attached is the account statement sent to me by Bridgecrest showing all payments and when they were received. They received payments prior to XXXX, XXXX and XX/XX/XXXX and still reported late payments on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Target credit card was opened in my name on XX/XX/ with a limit of {$500.00} and used to make purchases totaling {$360.00}. The card was used online, but was also used at a physical XXXX store here in XXXX XXXX, UT where I live. This leads me to believe that the person who did this is my ex partner. He has stolen from me many times before and has even been to jail  in two states for theft from large businesses. I have seen him use his mother 's credit card information online, and attempt to use other family members ' as well. 
Upon receiving the bill for the Target credit card I did not open, I checked my XXXX XXXX account to find two more open lines of credit that I did not open or even apply for. One line of credit is for XXXX XXXX XXXX  opened on XX/XX/ for a limit of {$300.00}, and currently has a balance of {$140.00}. The third account opened is for XXXX XXXX with a limit of {$300.00} and no current balance. 
I also received letters in the mail denying requests for lines of credit that I did not apply for. One letter is from XXXX XXXX  dated XX/XX/ and the other from XXXX dated XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My mother, the owner of an IRA at Synchrony Bank passed away on XXXX XXXX, XXXX. As the executor of the estate of my mother, I contacted Synchrony Bank on XXXX XXXX, XXXX and informed the representative of her passing. The representative indicated that a copy of the death certificate would be required to cancel the Required Minimum Distribution ( " RMD '' ). I explained that the death certificate had not been finalized and stressed that a RMD should not legally be made to a deceased person. The representative checked with their supervisor and confirmed that they would be able to put a stop on all future RMDs without having a copy of the death certificate. 

On XXXX XXXX, XXXX, I mailed via certified mail an original death certificate, a copy of the will and a copy of my driver 's license. Synchrony Bank received this package on XXXX XXXX, XXXX pursuant to the tracking information received from the United States Post Office. 

On XXXX XXXX, XXXX, Synchrony Bank distributed an RMD in the amount of {$1100.00} into the savings account referenced above. On XXXX XXXX, XXXX, Synchrony Bank issued me a cashier 's check in the amount of {$600.00}. The check represented my beneficial portion of the balance of the savings account. This check was issued in error. It must be voided and the funds returned to the IRA account of my deceased mother. Failure to do so will cause this amount to be classified as an IRA distribution for me. This will result in a taxable event and financial harm to me as beneficiary of the IRA. 

Dealing with Synchrony Bank during this difficult time has been XXXX of the most horrible experiences of my life. The incompetence at this institution and their inability to update their system properly to avoid mishaps is staggering. Since XXXX XXXX, XXXX, I have contacted Synchrony Bank by phone 10 times to resolve several issues. I have sent in multiple documents only to be told on several occasions that they did not receive them. Synchrony Bank has refused to work with me directly to manage the creation of the inherited IRA accounts for my siblings, even though I am the executor of the estate. I have had to micro-manage their staff to ensure that they follow through on the promises they have made over the phone. 

All of this communication has taken place yet my mother 's accounts are still not resolved and errors continue to be made by Synchrony Bank. The amount of time required to resolve these issues has been unacceptable and extremely stressful. I can only assume that they have no interest in resolving matters quickly since it will mean the loss of a significant amount of money from their institution. Purposeful delay to retain account balances under the guise of incompetence is still unethical.

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 2016-03-06
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I reported a fraudulent charges of {$59.00} on my Macy 's Express Card, because on XXXX XXXX, Citicard contacted me to validate whether they were valid or not valid charges as they were monitoring my account. " For your account security, the Credit Services Fraud Department would like to verify recent activity on your Macy 's account. '' I confirmed that they were not valid charges. You see they were originated in XXXX ( at a gas station ) and I was in XXXX. Once Macy 's sent the fraud paperwork, I returned it in XXXX with a Police report # XXXX, filed on XXXX XXXX, 2016. My complaint is that they deny that they have received the documentation, therefore it would be difficult for them to keep their commitment of resolving disputed charges in 1 to 2 billing cycles. As I am now at at the third billing cycle since the fraud charges occurred. However, because of this, I have chosen to may the balance on the account and close it, and want the amount refunded as they are not my charges of {$59.00}.

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 monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account name : XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2016-10-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a student loan payment each month. During a time of financial difficulty, I failed to make the monthly payment for 90 days. This is not in dispute. The issue is this single monthly payment accounts for XXXX separate student loan accounts on the fedloan site. So this XXXX slip up hit my account for XXXX late payments ( 60 days late ) and then XXXX delinquent payments ( 90 days late ) which took my score from XXXX to XXXX. How am I supposed to recover from that and it 's not like you can make a partial payment on the fedloan site. XXXX hits to my credit score from XXXX missed payment over a 90 day period ( XXXX at 60 days past due and another at 90 days past due ). When contacted, fedloan stated they can not make changes to this reporting. I was late, so sorry, but maybe I should pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: JH Portfolio Debt Equities, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX medical bills from college, about XXXX that I did not know existed. They were given to a debt collector and after seeing them on my credit report I paid them in XXXX. Now, a company called Credit Control LLC is attempting to collect the debt again even though it was zeroed out on my credit 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 2016-07-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
First, XXXX XXXX XXXX has admitted to supplying a false address on my credit report and as Experian can tell, was allowed to change the address after verifying the address for months as the XXXX Virginia. I am also including the last statement from XXXX XXXX XXXX that has the account balance as {$0.00} and XXXX XXXX XXXX has itself said that they filled a XXXX forcing me to pay taxes on this account as miscellaneous income. In the case XXXX XXXX, a judge stated that if any company filled a XXXX that they have given up all rights to collect any money on the account since filing a XXXX is not required until the debt is written off so it is the company 's choice when to file. Next, I just noticed that XXXX XXXX XXXX is on my Experian credit report, this account is not only fradulent but XXXX XXXX XXXX gave up all rights to collect on this debt in a settlement that I am attaching with this complaint signed by myself, my representative, and their representative. Lastly, I have no paperwork to send with my complaint that XXXX XXXX is a fradulent account, but I will attach a picture of the only jewelry I have, my wedding ring, and you can ask them if that is the jewelry they are talking about, I guarantee you that it is not since I bought it from XXXX. XXXX XXXX XXXX, XXXX, and XXXX XXXX are all result of fradulent and illegal activities. I AM SAYING THE ENTIRE ACCOUNTS OF THOSE XXXX BANKS LISTED ARE A RESULT OF FRAUD AND I AM SAYING EVERYTHING THEY ARE REPORTING IS WRONG. I put that in all caps since Experian has a hard time figuring out that I am saying all XXXX accounts are completely fradulent and wrong. I know you received my certified letter and I lent what I said, 30 days after you received that letter that I will name Experian in my lawsuit if these XXXX accounts are not removed. Experian is required by law to block fradulent and illegally reported information and Experian has refused to block this information. I am serious and once the paperwork is filed, I will not settle out of court.

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 2021-09-29
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt letter from Spring Oaks Capital dated XXXX XXXX and i responded back with a debt validation letter dated XX/XX/2021 and as of today i have only received credit card statements from creditor and its not what i asked for. They have proceeded to report this debt on XX/XX/2021 to XXXX only of which i was unaware of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: PHH Mortgage Services Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
PHH Mortgage Corporation - Mortgage Service Center is a " debt collector '' pursuant to 15 USC1692a ( 6 ), 15 USC 1681n, and Florida Statute XXXX ( XXXX ). I have mailed several request to PHH Mortgage Corporation by certified mail for verification and validation of an alleged debt. 

Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of Debts and Florida Statute XXXX - Assignment of Debts, In a my correspondence with PHH Mortgagae Corporation, I asked that it 's agents provide supporting evidence to substantiate its claim., within thirty ( 30 ) days. 

PHH Mortgage Corporation, through its agent XXXX XXXX, has attempted to seize my property and alleges, in a complaint filed in the State courts of Florida, a default on XXXX XXXX, XXXX. 

The complaint alleges a default on a loan on XXXX XXXX, XXXX. However, this company 's alleged claim is based on an fraudulent assignment recorded XXXX XXXX, XXXX, 11 months after the alleged default. 

Also in a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX using a XXXX letterhead acknowledged receipt of a debt dispute and in response mailed a second letter dated XXXX XXXX, XXXX with a PHH Mortgage letterhead alleging XXXX XXXX as an investor on the account and listing XXXX as a servicer on their behalf. 

I have several account statements from XXXX marked with the original account number showing the account is still open and alleges I owe {$80000.00} and lists PHH Mortgage Corporation as the servicer. 

The account statement from XXXX for the account raises the question did PHH Mortgage Corporation give value for the alleged assignment as required by Florida Statute XXXX and the Uniform Commercial Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my second written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX XXXX XXXX {$210.00} Thank You 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 2016-04-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: ARVEST BANK GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arrest mortgage accepted XXXX payments on XX/XX/2022 amounting to {$2300.00} that I erroneously made to them. They sold my mortgage in XXXX and I paid the wrong mortgage company this month. They deny having my money despite my bank providing proof they sent the money electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am being harassed by RMS Reverse Mortgage Services through whom I obtained a Reverse Mortgage last year. I have signed and returned three times, in the self-addressed envelope they provided, their letter of request for Certification of Occupancy. They continue to telephone me, threatening foreclosure. When I call them back, they insist they have never received my signed letters. Twice now they have left anonymous letters at my home, once entering my closed gate to leave it in my screen door, and yesterday a guest brought me another anonymous letter which was left on my front gate. Last week, in another telephone call from RMS insisting no signed letter of Occupancy has ever been received from me, I asked them to email a fourth such letter, said I would sign a fourth Certification of Occupancy, scan and return by email to RMS. Their agent agreed to email me the letter. I have received no such email, and yesterday 's delivery by my guest of their anonymous letter is the last straw. I have attached a copy of the first letter and envelope stuck in my screen door. 

I have excellent credit and should not have to put up with nasty phone calls and threatening letters. The only money I owe to RMS is the reverse mortgage they are accruing interest on each month, which will be paid if I sell my house or die.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Cascade CISS Holdings, LLC
State: AL
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:
Made inquiry for loan with XXXXXXXX XXXX XXXXXXXX, AL. Specifically request that I am not shopped around and only request financing from XXXX direct. The hungry salesman disregarded my request making multiple outside request, as well as duplicate request with the same company on different dates fraudulently, without my knowledge, verbal authorization or written consent.To add, there are duplicate inquiries within a 24 hour periods for the same funding agencies. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased and financed a car from Drivetime in XXXX Fl in 2013. They have not honored their agreement to report this financed purchase to the XXXX main credit bureaus. I have made repeat calls on this issue for over one year and it still has not been resolved. I have them deduct my loan payment directly from my checking account but they still feel the need to send me payment reminders to pay my loan every month. I get a different answer every time I call with a different promise to resolve the problem. I saw the legal action you have taken against them so I thought you might be able to assist me in this matter. Thank you.

Company response to consumer: Closed with explanation