BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
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 am opting out of reporting my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights of privacy and copyright protection. Im requesting that my personal data be deleted from your company data base immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have recieved 93 calls from this collector. I have requested to discontinue contact in the past with no success. I am unsure that I ever received written communication with the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I did not give verbal and/or written permission for Consumer Portfolio Services to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Consumer Portfolio Services, Inc.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a new car from XXXX XXXX of XXXX in XX/XX/XXXX and they got me financed through Consumer Portfolio Services ( CPS ). Later I found that they hard pulled my credit 10 times to get this deal to work. From the start XXXX was nothing but nasty to me. I decided for my first payment to send in my payment with a check instead of incurring a {$12.00} fee for paying online or over the phone. I sent it in plenty of time for the mail to reach them by my due date. The day after my due date I got several calls a day from them. When I did talk to a representative, things got so bad that I asked to speak to someone else. This person explained to me that a 3rd party processor receives the checks and until they have completed processing payments which could be XXXX to XXXX business days after they received my check that it would be considered late. Because of this they changed my due date from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I verbally approved this over the phone and they sent me a letter that verifies the change. As time went on I 've received several letters from CPS stating that my payment due date has changed. I have XXXX letters in my records XXXX from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I did not ask for nor approve these changes. What they have done was extending my maturity date out a month each time which means longer loan term and more interest collected for them. The only time I have ever asked for an extension was XXXX/XXXX/XXXX which I called and asked for, they sent me paperwork, I signed and sent back for their approval. The last piece to this is the interest they are collecting. I noticed that I have been paying on this car for a little less than 2 years and my loan balance is not moving, and most of my payments they are applying to interest. I called the week of XXXX/XXXX/XXXX to speak to a representative on my interest and how they calculate how much is applied to each of my payments. She had told me that my loan is a simple interest loan with 16 % interest annually based on my original loan amount. She told me that my yearly interest amount is {$3500.00} which multiplied by 6 years equals {$21000.00} almost the same amount as my loan. Although on my sales contract it states that my interest for the life of the loan is {$12000.00}. That 's a big difference. There has been a lot of interest applied to my payments and hardly none to the principal. This company is a scam. They are harassing with their phone calls, nasty to me when I do talk to them, changing my loan terms by giving me a " courtesy due date change '' without my authorization and taking more for interest than what my finance contract states. These people are predatory lenders and they need to be stopped and the car dealers that are using them are not helping people with poor credit rebuild!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Regardless of income, my monthly payment from the beginning of my loans ( of around {$410.00} ) to what will be the end near the end of the loans ( {$600.00} ) is simply too much to pay given my income ( currently around {$28000.00} annually ). These loans are through Sallie Mae. They repeatedly harass my co-signers, refuse to change my monthly payment, or adjust my interest rate ( despite my consistent, never-failing payments ). I received my XXXX in XXXX from XXXX and am fulfilling my dream doing exactly what I want, teaching and playing music. I love my life but find it EXTREMELY difficult to find true financial security ( including buying a car, home, and leisure ). The stress and mental wear that this situation continues to cause me day to day is absolutely awful. It affects every aspect of my life ( including my relationships and overall outlook ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Harassment, unnecessary calling, threats of foreclosure, rude phone conversations, all regarding mortgage payment or late payments.

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 2022-11-09
Company: U.S. BANCORP
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Purchased XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. Paid the vehicle off in XXXXXXXX XXXX XXXX. Called US Bank twice in the summer of XXXXXXXX to inquire about my title. Both times they said title was being released. As of XX/XX/XXXX had not received title. I called US Bank and they acknowledged they've had a paper copy of the title since XXXXXXXX XXXX XXXXXXXX and failed to forward the title to me.

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 2015-10-20
Company: SLM CORPORATION
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I cosigned a loan for a student at XXXX University in XXXX, MA, issued by Sallie Mae. The borrower cut all communication from me right after the loan was transferred to the school, and refused to have my name taken off as the cosigner. Now the borrower is delaying payments, and is forcing me to pay off the payments assigned to the loan or have my credit score diminish. Right after this happened, I contacted Sallie Mae and asked for an application to have my case heard and considered for a cosigner release. They told me that only the borrower can have the account considered for cosigner release, which is something I was not told about or agreed to when cosigning the loan. I was told that I have equal responsibility over the loan, yet when it comes to any action towards the loan - whether it 's actually have my cosign released or having my cosigner release form even considered - is something only the borrower can forgo. This has put my financial situation at high risk, and at the whim of the borrower - and something that Sallie Mae would n't even consider for cosigner release since only the borrower can do that. I was then advised by the escalation team that since I do have equal responsibility of the loan, I can request XXXX University to return the loan in full and then my cosign would be terminated. The escalation team told me that this is a practice they have done before and are willing to do for me since this is a relevantly new loan. When I contacted XXXX, I was told they would do this for me and that I should send an official demand letter stating my case and they would talk to Sallie Mae to make sure this was acceptable, and if it was, then they would exercise my right to have the loan returned. After a long delay, they responded to me after two weeks - at this point I have already been asked to pay off interest payments on the loan - and told me that they do not have any obligations to the cosigner and that they would not return the loan. Now my credit score or my financial account is in jeopardy and at the whim of the borrower, even though I was only following the advice Sallie Mae had given me, and only had given to me when I made it clear that unequal treatment over actions taken on the loan is not something I agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Advanced Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had an apartment lease in XXXX, Delaware. I broke the lease and was told it would be a 1 month penalty. I gave them my new address in Texas and asked to forward me an invoice for payment. I never received an invoice so payment was not made. Finally about 2 years later, I get bill for nearly {$2900.00} from a collection agency. Well, now at this point, the debt is over 7 years old from when the lease was signed and it should no longer be on my credit report. They keep verifying it as accurate, however it is older than 7 years and needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the federal credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.. 15 USC 1681 section 604A section 2 also says a consumer reporting agency can not furnish an account without my written instructions there 15 USC 1666 section b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.. I sent a hand written letter with all the negative accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CORELOGIC INC
State: MI
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 am opting out of reporting my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights of privacy and copyright protection. Im requesting that my personal data be deleted from your company data base immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Annie-Mac Mortgage Company ( XXXX XXXX XXXX XXXX XXXX ) cost us time/money for not closing on time. Have been completely unresponsive and negligent. Signed the CD, scheduled closing date/s and receive emails ( the day of closing ) that paperwork is still in underwriting! Bot to mention 2 days BEFORE closing, XXXX XXXX, emails us asking for a VOE form! This should have been # 1 on the list before approving the loan. My wife and I have BOTH taken unpaid time off work, have paid for insurance and other bills and want to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since I have my modification completely done ; i had experience lot of difficulty with Fay servicing changing the monthly payment for {$1400.00} has varied.. The lender was calculating my escrow act more than the actual amount since act was transferred to them. Now I had made payment for shorter escrow since lender requested to be paid back on XXXX, 2015. Acct was supposed to go back to {$1400.00} and is not happening ; now lender is telling that I missed a payment when I had paid in advance without delate. Please see attachment for my monthly payment since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am an XXXX XXXX servicemember and I bought my house at the end of XXXX. I borrowed well under what the VA authorized me to borrow, and the house came in under the appraisal. Obviously from XXXX to XXXX and then onward the value of my house declined. Since the time that I bought my house I have had to execute XXXX moves. Wells Fargo holds the loan. I have called them continuously to see if I qualify for any of the principal reduction products, or other products that I have read about on Government websites and in talking with XXXX advisors. They have told me on every occasion that I do not qualify for any type of product that would help me lower my payments, the only solution they offer is to refinance which I have already done and which did not help at all but just allowed them to make more money in interest. I have explained to them that I am an XXXX XXXX servicemember and that I have had to execute XXXX moves on XXXX different occasions and that I am not willingly moving from my house and having to pay both rent at my new duty station and my mortgage back at my old duty station. They have offered me no understanding nor any help trying to find a product that works for my situation, it has been an attitude of " oh well I guess you just continue to struggle while we bleed you dry. '' The only thing that they have offered me I have already done which is to refinance my house. This did not help at all and just made them more money in interest. I do not want to stop paying my mortgage, as some have offered. This is not the type of man I am, nor does it align with my core values of honor, courage, and commitment. My complaint is that I see and read about all types of government programs to help with principal reduction and Wells Fargo says that I do not qualify for any of them. I do not know why I do not qualify. I am moving around the XXXX serving XXXX on military orders, and I have a XXXX son that lives with me. I am not asking to get out of my mortgage free and clear, I am just asking for some help in the form of principal reduction or perhaps some other product that would help me be able to pay my mortgage for my house and rent at my new duty station.

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 2017-03-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
re : Ocwen loan # XXXX for XXXX in XXXX, NY Despite repeatedly pleading guilty to NYS DFS & CFPB for mortgage servicing violations, and a court order demanding that Ocwen give us access to ALL ORIGINAL loan documents related to the phony loans placed on our home at XXXX, XXXX, NY XXXX, Ocwen has refused access to visit the loan vault in Florida were we were told the original pen and ink loan docs are kept. 

Ocwen did in fact mail us several XXXX photocopies of files that show many other loan numbers attached to our loan still on the house. But, they refuse to show us the transfer history nor the amounts paid by Ocwen to buy this loan. 

Ocwen has stated the loan is paid down to zero, creating a forgiveness of debt issue for us for the {$160000.00} value of this note and mortgage they hold. 

XXXX would like the note and mortgage assigned to him for XXXX dollars since Ocwen claims they have no interest in it any longer. 

Please authorize Ocwen to assign this loan and mortgage to XXXX. 

We also demand a complete history of the escrow account attached to this mortgage with Ocwen. XXXX of dollars was paid into and out of this escrow account and we want a full accounting with the cancelled checks of who got this money. 
Thanks so much. 

XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Performant Financial Corporation
State: TN
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by a collection agency for defaulted student loans. I was offered rehabilitation in XXXX XXXX. I agreed and was sent paperwork to sign and return and an automatic payment was set-up. In XXXX XXXX I was contacted and told my loan agreement was not returned. I again mailed the paperwork I had received from the agency. I thought that this was strange because my income/expense information and my payment information were both " received '' and in effect at the time of the call in XXXX. In XXXX XXXX, I was contacted again by the same agency and told that my loan was not in rehabilitation because my paperwork had not been received. I had at this point made 10 consecutive payments. I agreed to re-sign and submit the documents again. I did so. My new address ( across the country ) was shown on the documents I electronically signed. I was contacted again in XXXX. XXXX. I was told again that my documents had not been returned and that I was not in rehabilitation. At this point, I have made 18 consecutive payments. The agency sent my " loan agreement '' ( which is the most important document of the bunch ) to my former address even with my correct address on the income/expense and other documents. I am trying to qualify for a home loan and I show that I am still in default. The agency wants me to re-sign the documents for a 3rd time in order for me to begin the rehabilitation process. By the time it is finished, assuming that this time they will send me ALL of the documents I need to complete this program, it will have taken me 27 months to " complete '' the rehabilitation process. The agency is telling me now that my options are to try to begin again and they have assured me that I will get all of the documents " this time '' or to pay the full balance and still have the default notation which may prevent me from being able to qualify for a home loan until another 9 months has passed or even longer to wait for the notation to be removed. I was told that if I had returned the " loan agreement '' then this would not be a problem. But I do n't think I have ever been sent one. This agency sends documents to " qualify '' for the program including setting up a payment then is supposed to send a " loan agreement '' to be signed and returned. However the only things I have received from this agency are the " qualifying '' documents and the monthly notice of the payment.

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 2022-11-09
Company: Experian Information Solutions Inc.
State: LA
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 veals.

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 nas reasonable cause to belleve that the information is inaccurate. 
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 2022-11-09
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There were two XXXX  accounts opened in my name and ssn fraudulently. 

Company is Genesis FS Card Services XXXX XXXX XXXX XXXX, or XXXX Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: NC
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:
ive been trying to get XXXX to remove hard inquiries from credit file. i called them on XX/XX/XXXX and XXXX of XXXX one rep informed me she would escalate it i believe. they keep transferring me to different people. someone keeps using my information. ive already filed a police report and ftc report and sent them to XXXX. the same for equifax. they told me inquiries were deleted but they are still showing.

Company response to consumer: Closed with explanation