BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-16
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had XXXX loans with AES and for some reason they had XXXX accounts for me. I would log into each account online and pay. In XX/XX/XXXX they had my birthday wrong and I faxed them my birth certificate and other documents they said the problem was fixed. I continued to pay. In XXXX XXXX they locked me out of my account. We called to resolve the issue and they said I did not have XXXX accounts and that they could not find the account we were locked out of and wanted me to fax my documents. I faxed everything and then in XX/XX/XXXX made another phone call and asked to pay the balance and for them to resolve my online access, they would not tell me how much I owed to be able to pay it. They sent me a letter saying the account was past due. I called again in XX/XX/XXXX to ask what I owed and they said that the account no longer existed and they had merged both accounts. Then on XXXX XXXX, XXXX a debt collector called me to say that my account was 130 days delinquent. I was not aware that the account was overdue and every time I tried to pay it they told me that it did not exist. They now want me to pay the balance plus charge me a late fee. The late fee should not be charged because it was not my fault that they screwed up my accounts and would not let me pay. I have bank statements and hard copies of receipts of where I have been paying both accounts until they locked me out of the XXXX account in XX/XX/XXXX and said that it did not exist. I am upset that my credit might be damaged and do not know how I am going to catch up on my payments. I spoke to a representative on XXXX XXXX, XXXX and gave her both account numbers. She pulled them both up, she unlocked the account that they said did not exist and told me how much I owed. All this could have been done in XX/XX/XXXX when I was not even behind on payments. I have tried to pay since XXXX and spoken to XXXX different people, all of who said that there was only XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Bridgecrest Acceptance Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I got a XXXX XXXX XXXX XXXX XXXX I put XXXX dollars on it.. the bi weekly payment is XXXX. The interest on this car comes to XXXXXXXX XXXX as well. Bridgecrest is where the loan comes from. XXXX and Bridgecrest have the same XXXX XXXX XXXX XXXX.After doing some research I found that their practices are illegal. So I sent a few items dated XX/XX/XXXX XXXX affidavit of truth. Stating that I know that thier practices of car loans is illegal. Because they know people won't be able to pay them off with such high interest 2. A cease and desist letter stating that they must give me back my down payment and the money I put on the car or I will sue them after XXXX XXXX. 
3. I sent receipts is payments made plus the {$3500.00} first payments The total payments are {$11000.00} I notarized them as well. 
They sent a letter basically saying that I have to pay the car or give it back. 
I'm trying to see if I have a leg to stand on under consumer law .... 
Can I apply any of these laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, Account # XXXX, Account # XXXX, DPED XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # - XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX  XXXX Account # XXXX 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

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 2016-05-10
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
we have been trying to refiance since last XXXX.we sent in everything that they requested from us, now today I get a letter stating that since I have not been late with my payment of which is XXXX every month at XXXX interest rate that I do n't gualify we liveon a fixed income of pension from my husband and social security for XXXX us besides we have XXXX mortgage the second is XXXX so I pay every month XXXX every month besides our every month bills all I want is to reduce our interest so we can survive a little better we ca n't get help from harp and XXXX act of which I do n't understand why please can you help us XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Naviet States that it will not go back to XX/XX/2014 an apply the payments that I sent in to the correct loan that was in repayment. They applied my payment over XXXX loans although only XXXX loan was eligible for repayment. Again they have record of me sending in payments but will not give me, well my mom seeing as it was a federal parent plus loan, credit for the only loan that is eligible for repayment.They turned the loan over back over to U.S. Dept of edu. In a default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 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 These are the accounts that need to be removed CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX. ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXXXXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX ACCOUNT # : XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 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 These are the accounts that need to be removed CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX  ACCOUNT # XXXX, CREDITOR : XXXX/XXXX  ACCOUNT # XXXX, CREDITOR : XXXX  XXXX  XXXX  ACCOUNT # XXXX, CREDITOR : XXXX/XXXX ACCOUNT # XXXX, CREDITOR : XXXX XXXX. ACCOUNT # XXXX, CREDITOR : XXXX  XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX/XXXX XXXX XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX ACCOUNT # XXXX, CREDITOR : XXXX  XXXX , ACCOUNT # XXXX, CREDITOR : XXXX  XXXX ACCOUNT # XXXX, CREDITOR : XXXX/XXXX ACCOUNT # : 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 2022-05-31
Company: Experian Information Solutions Inc.
State: MS
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 DPED XXXX Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, XXXX Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # 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

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 2020-12-25
Company: Experian Information Solutions Inc.
State: NJ
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 believe Experian is reporting my score much lower than it should be. I own 5 credit cards with a total balance of {$2000.00} which I pay off each month. All of my other loans have been paid off and are in " exceptional '' standing. Yet my score is XXXX and is only fair. The image I attached shows all my accounts. You will see they are all in exceptional standing yet I'm being marked late and my score is terrible. The image shows all my accounts as of XX/XX/25

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 2015-07-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I paid additional money over the past few years that was supposed to pay down my principal. Instead, Chase kept the money and called it an " advance payment. " After several complaints they finally applied my payments as principal but they did so effective just this past month, when I actually made the payments years ago. I need them to make the payment effective retroactively and reimburse me for my interest that they overcharged me during the past few years. I am also waiting for a detail of all my payments made. I need the accurate new principal amount made immediately so my arm, which readjusts in XX/XX/XXXX, has the correct new payment, which will be lower than what they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has an account ( XXXX ) listed on my consumer report that is derogatory. The account has been closed for over 8 and a half years and they refuse to remove it from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I hope all is well. My name is XXXX XXXX and I am the personal representative for my grandmothers property located in XXXX, MD. I have been working with a real estate agent to get my grand mothers house sold. We have been growing through the short sale process for a year. The first lender was XXXX. We got the appraisal done and it came in at {$90000.00}. The mortgage was then sold and moved to PHH. PHH would not use the appraisal that was done by XXXX and stated that they had to have there own completed. Another appraisal was ordered and completed in XXXX of XXXX. That appraisal was submitted and came in at {$70000.00}. All requested paperwork was submitted and we were awaiting next steps. While we were waiting, the short sale specialist stated that another appraisal had to be completed due to the appraisal expiring. Another appraisal was completed and that appraisal came in at {$100000.00}. Again, all paperwork was completed and submitted. Again we were waiting for the next step from the bank as all paperwork had been completed. The short sale specialist, XXXX XXXX, stated that the short sale would not be approved due to a sale date of XX/XX/XXXX. My real estate agent check multiple sites and even went to the court house. There was no sale date set. The agent also called PHH on XX/XX/XXXX and the rep stated that no sale date had been set and that there was no sale date on the property. The agent then reached back out to XXXX XXXX XXXX, the assigned short sale specialist asking if we were moving forward with the short sale and he stated no that a sale date of XX/XX/XXXX had been set. Another search had been done and no sale date of XX/XX/XXXX had been found for the property via the court house or online. At this juncture, it seems as though PHH is trying to push the property into foreclosure, more specifically XXXX XXXX is. At no point has he tried to help. It takes him weeks to respond to emails, if he responds at all and that is the only point of contact with him is email. Please help me save my grandmothers home from foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Prince-Parker & Associates , Inc. , furnished an alleged & illegal debt to my XXXX, XXXX, XXXX XXXX XXXXonsumer report which is a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ), since I, the consumer, never provided written instructions furnish the inaccurate information to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I applied for a consolidation of my school loans and the income contingent repayment plan with the federal government in XXXX XXXX. My application for consolidation was approved XX/XX/XXXX and I was paired with Fedloan Servicing as my loan servicer. However, I was never informed that I had been approved for the ICR plan by Fedloan Servicing nor did I receive a bill for my first payment under the ICR plan. My understanding was that my application for the ICR plan was still be reviewed. By XX/XX/XXXX, I still had not heard back and as a result, I put my school loans in forebearance, since my monthly payments exceeded my monthly income. At no point for an entire year was I contacted during that time to let me know that I was accepted into the ICR or what my monthly payment was under that plan. Thus, by XX/XX/XXXX at the end of my forbearance period, I reapplied for the ICR plan, at which time, I immediately began repayment. Fedloan servicing admits they can not find the letter in my paperless inbox. In addition, I received an email after the time that Fedloan servicing said I was approved for that plan, that they were still waiting to hear from my to apply for a consolidation. This lead me to believe that my loan application for ICR still had not been completed. The interest that accured during this forebearance was {$25000.00}, which has since been capitalized onto my loan. 
In addition, another {$25000.00} was capitalized on my loan in XX/XX/XXXX for a reason that Fedloan servicing can not explain. I was given XXXX different reasons why it capitalized, and every time a reason was refuted, they came up with a new reason. 
Fedloan servicing gives incorrect information or no information at all, resulting in decisions that cost borrower tens of thousands of dollars. My school loans are currently over $ XXXX- {$50000.00} of which resulted from Fedloan servicing and their ineptitude. 
I am not borrower looking to get away with not paying my loans, I am a borrower who wants to pay what she truly owes, not inflated amounts resulting from a third party. Fedloan servicing has an obligation to keep the borrowers informed. Failing to let a me know that I had been approved for a repayment plan for an entire year is unacceptable. The student loan crisis is in no doubt partially due to loan servicers not providing borrowers with the information needed to make responsible decisions. They read from screens and ca n't answer any questions that deviate from their prompts. PLEASE DO SOMETHING ABOUT THIS. THEIR MISTAKE COST ME {$50000.00} PLUS 20 YEARS OF INTEREST AT 7.25 %!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged and overdraft fee on the same day that an item was paid in my account. It has not been 24 hours to rectify the situation. The date the transaction was completed is the same day the overdraft was charged ( XX/XX/2017 ). I am also using the banks Merchant Service in which I get charged as well. On this type of transaction I was charged {$38.00} for them taking out {$.00}. I received payments on XX/XX/2017 from Merchant Services ans should not be charged XXXX fees of {$38.00} ( Total {$76.00} ).

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 explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: IN
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: Was not notified of investigation status or results

Complaint:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent more letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not consent to, authorize, nor benefit from the following inquires. XXXX and remove it. XXXX ( Hotel and travel ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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