BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: IL
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 attended The XXXX - XXXX from XX/XX/XXXX-XX/XX/XXXX. The school used all my information to take out the loans for me to cover the expenses. However, I was signed up for expensive subprime loans that they knew were going to fail. I was denied income based payments after the grace period. After graduation I was making $ XXXX/year as a XXXX with loan payments of over $ XXXX/month. I also believe they failed to properly allocate my monthly payments I was giving them. The payment was broken up over XXXX different loans. I have also been denied the option to consolidate. Some loans are extremely low interest while others are very high with large balance. Was only allowed to consolidate my federal loans. I have never missed a payment so why am I still being punished? Currently, XXXX loan is at 11.125 % with a balance of {$9900.00} while another is at 4.25 % with a balance of {$8600.00}. They allocated my payments to pay off the loans with the lowest interest rate first. Resulting me to have higher interest fees over the life time of the loan. XXXX of my loans have been paid off and the rate range was 2.36 % - 6.80 %. My current loans with balances range from 4.25 % - 11.125 %. This is also after the slight deduction for having automatic payment set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: SYNCHRONY FINANCIAL
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have tried to pay Synchrony Bank ( formerly GE Capital ) and they have no after hour support to take may payment. As a result, they continue to tack on late fees in newinterest charges. I am a senior on a fixed income. This is very troubling to me that noone is available after hours to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I recievd a personal loan from onemain financial. I paid the loan off in XX/XX/XXXX and recieved a congratulations on pay off letter. The next month the office is calling me saying i have n't made my monthly payment. I told them i had payed it off and sent them the letter and bank statement. They continued to call and call. Next thing i know is collections is calling me stating im late on payment. I have sent them everything I know to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Federal Cash Advance, LLC of Oklahoma
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I had applied for a payday loan due to medical expenses I recently occurred This company Cash Max XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX agents name was XXXX supervisors name was XXXX and they stated I was approved for a XXXX installment loan but I needed to verify that I could pay the money back via XXXX XXXX they wanted me to prove that I had XXXX right now I went to XXXX XXXX XXXX times and all XXXX times the transcaction could not be processed should have been my XXXX clue I then purchased a prepaid XXXX money card and loaded the XXXX on it and called them to giove them the number they said I did not have to activate the card and they would process the loan and call me back in 30 minutes to let me know the money was deposited into my account 2 hours went by called XXXX and he said he is still working on it and will call me back red flag went up and I called XXXX the automated system stated that the card had already been activated and when I checked the balance and entered my information it said incorrect info does not match our records so XXXX had activated that card with his information not mine I have tried to callo them back and it either goes to a voicemail or they pick up [ and hang up they probably have caller ID I would like this reported and of course would like my money back but most of to let people out there know not to go with this company cause they are a fraud I work hard for my money and have a family to support but I trusted them and look what I get for trusting I do n't understand how people can be so dishonest and untruthful Please help me in any way you can thank you My info isXXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting a collection account on my credit file from XXXX in the amount of {$1200.00}. The account was disputed in 2014 directly with the collection agency and it was deleted ( in 2014 ) this account is now being re-reported on my credit file. As i said previously in the 1st dispute this account is not mine, and i have no knowledge of it. I was never given a DV and i would like this account deleted from my credit file again and for good.

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 2015-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
This is for Experian credit monitoring services. I signed up for credit monitoring services with Experian on Wednesday XXXX XXXX, XX/XX/2015, and provided a Mastercard credit card number ending in XXXX. When you order your {$1.00} Credit Report and FICO Score, you will begin a XXXX membership period with Experian credit tracker. If you do n't cancel within 7 days you will be billed {$21.00} for each month that you continue your membership. I attempted on several occasions to contact Experian beginning on XXXX XXXX, and XXXX XXXX. The phone number on their website is actually a fax number XXXX. I called that phone number several times ( XXXX ) only to be connected to a fax line. This phone number was listed as the phone contact number for questions regarding your account, billing, etc. When I was finally in contact with Experian, they claimed that I had contacted them outside of the XXXX window.. and they could not refund the {$21.00} charge. Do I have any recourse. They seem extremely underhanded in dealing with clients.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16
Company: Credit Wise Recovery Solution LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX XXXX..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX/ XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular one - XXXX XXXX, XXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX 2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX 2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Financial Credit Network Inc
State: CA
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:
I closed an account with XXXX XXXX when I moved from XXXX XXXX XXXX XXXX, XXXX, CA. The XXXX in turn sent me a check for the credited amount on my account and closed my gas bill. On Monday, XXXX XXXX, 2017 I contacted XXXX XXXX and the representative informed me that my account was closed. Someone else attempted to turn on service at the address and then cancelled service. After that action XXXX XXXX turned service back at that address in my name without my authorization nor was I aware of this or notified. This account is now reporting on my XXXX Credit Report and I am outraged about {$190.00}. I did not live there nor request that action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This. company National Credit Systems appears on my credit report for {$390.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage lender, Pennymac Loan Services LLC has taken the following steps to ensure that they can file for foreclosure against me:1. They paid past due taxes on the property, to open up an escrow account and increase my mortgage. This was unnecessary, as the home was not under any tax lien, nor in danger of any tax liens with the city of XXXX, NJ. I was making payments quarterly to the city of XXXX. The city was aware that I was behind the taxes and only required me to pay a certain amount before the end of the year, to stay out of danger of a tax lien. I was ready to pay the requested tax amount to the city of XXXX, but the mortgage company intervened, requesting the past due tax in full or no payment at all. 

2. After paying the tax bill, that they did not need to pay, the lender opened an Escrow account, to cover the taxes. The lender subsequently increased my mortgage payments from {$1600.00} to {$3200.00} per month. 

3. The lender made the payment on the taxes on XXXX/XXXX/XX/XX/XXXX, but retroactively increased the past due mortgage payment for the month of XXXX/XXXXXX/XX/XXXX from {$1600.00} to {$3200.00} and retroactively increased the past due mortgage payment for the month of XXXX/XXXXXX/XX/XXXX from {$1600.00} to {$3200.00}. How can the mortgage owed for the month of XXXX/XXXX/XX/XX/XXXX and XXXX/XXXX/XX/XX/XXXX increase when the Escrow account was opened after these dates? What is to prevent the lender from retroactively increasing the mortgage payments for all the months of the entire year of XX/XX/XXXX or previous years? 

4. The payment that I sent to cover the XXXX/XXXX/XX/XX/XXXX and XXXX/XXXXXX/XX/XXXX was only applied to XXXX/XXXXXX/XX/XXXX. The mortgage lender increased the past due amount of XXXX/XXXX/XX/XX/XXXX from {$1600.00} to {$3200.00}, after I sent my payment. I did not sent enough to cover the new past due amount for XXXX/XXXXXX/XX/XXXX. Instead of applying a partial payment to XXXX/XXXX/XX/XX/XXXX the mortgage lender applied all the money left from my payment to the Escrow account, without my knowledge. By doing this the lender put me over XXXX days delinquent on the loan. 

5. It is now XXXX XXXX, XX/XX/XXXX and I have not received my statement for the month of XXXX XX/XX/XXXX The lender does not send mortgage statements in a timely manner. I fear if I make a payment for the incorrect amount, it will be applied to the Escrow account, instead of the mortgage, which will place me further behind on my mortgage payments. 

6. I am a XXXX, female, senior citizen and I believe the mortgage lender is targeting me because I am in a vulnerable position and I can not afford to defend myself against their predatory methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/2014, I had a chapter XXXX Bankruptcy discharged, since that time until the present all of my currently open revolving credit accounts have been paid on time and never late, there are XXXX derogatory items on my credit report. Despite this earnest effort to pay everything on time and be responsible with my credit my, my credit score is still unable to exceed XXXX, despite every account on my report stating on time, never late, my credit score still remains low to poor. It seems as if the credit reporting agencies are intentionally keeping my score low, so I may never be able to obtain a loan or rebuild my credit. I am currently trying to buy a home for myself and my family and this is seriously affecting my life negatively. I have also been very cognizant of the number of inquires and accounts on my credit report in an effort to increase my FICO score, despite my efforts my score continues to remain low no matter what I do.

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: LoanCare, LLC
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I received a letter from Loancare XX/XX/XXXX stating that our escrow balance was XXXX dollars short. I called and after a XXXX minute wait, an agent came on the phone. I explained to her, ( agent XXXX ) that I did not understand how there could be such a drastic increase. Our property taxes went down XXXX dollars and her response was that our homeowners insurance increased by XXXX dollars. She emailed me a payment history that could not be read. So I called our homeowners with XXXX and they adamantly told me that they have not processed our XX/XX/XXXX-XX/XX/XXXX premiums and that no one has spoken to a Loancare rep. I asked for that in writing and she sent me an email through our account. Loancare will not respond to my emails or calls. I continue to have XXXX min+ wait times. 
I would like to know where and how they are coming up with an XXXX dollar shortage. This seems unethical and fraudulent. I trust that XXXX is acting with integrity and telling us the truth, Loancare is not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30
Company: Professional Recovery Management
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I recently filed a complaint against this company for attempting to collect a debt that is not mine. The complaint number is : XXXX The company responded saying they could not validate the debt and were updating my credit report to say " disputed ''. This is not acceptable. I want this item that does not belong to me completely removed from my credit report. The company responding saying that the letter from XXXX relates to a data breach that happened after the account in question was opened. When reading the letter one can see that this is simply not the case. The letter says XXXX became AWARE of the breach on XXXX/XXXX/XXXX and nowhere in the letter does it state that the breach happened on that date. Furthermore I have attached a letter from XXXX bank detailing the credit hack which occurred in XXXX. As this letter from XXXX is NOT dated one would have to utilize the toll free number on the letter to inquire about any dates or details relating to this debt. Below is the text from the original complaint : I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over 1,000 people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response. Later after dealing with that XXXX had a major leak related to XXXX. I have attached documentation regarding this leak which includes contact information for XXXX Bank if you would like to verify the identity theft with the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: North American Asset Services, LLC
State: KS
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a phone call from a company called frontier financial group, and they claimed they were collecting for an unpaid payday loan. I have been making payments to them since XX/XX/XXXX. I paid XXXX dollars a month, then in XX/XX/XXXX, I paid XXXX dollars, then was going to pay remainder in XXXX. I tried to contact them to talk about my payment, and I could not reach them by phone at all. I tried about XXXX times that day, XX/XX/XXXX, different times of the day, and always got hung up on. I did some calling around, and even XXXX said they could n't find anything on this company, but when she researched it, found nothing but information about them being a scam. I have paid a total of XXXX dollars to them, and would llike my money back if possible. 
thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX loans are XXXX years old!!!! Is there not a time limit for how long company 's can keep it on your credit report??? Also! I was never in the XXXX! I served in the XXXX!!! I have XXXX brother 's who served in the XXXX!!! I also never lived in XXXX, ca.!!! But!!! My brother XXXX XXXX did!!!! Also I do not owe anything to XXXX!!! They are lying to get another {$110.00} from me!!!!! My credit reports are frauds!!!!! Fraudulent!!!! A complete inaccurate, disgrace!!! Fix these reports and update them correctly!!! Its about time!!! You leave things on there forever!!! You believe anyone without proof!!! You ca n't even get my personal information correct!!!!!!! You even have me confused with my brother XXXX!!!! Or XXXX XXXX, who were in the XXXX!!!! Get it correct!!! The XXXX!!!!!! Please do your job, do n't just collect your paychecks!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation