BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
WHAT SN SERVICING IS FAILING TO REALIZE IS THAT I AM XXXX YEARS OLD. MY HUSBANDS INCOME WAS THE ONLY SOURCE OF INCOME ALONG WITH MY DAUGHTERS INCOME. AT XXXX BECAUSE THE LOAN IS UNDER MY NAME I HAVE TO MAKE INCOME TO SAVE MY HOME OF MANY YEARS. AT XXXX YEARS OLD HERE I AM CLEANING HOUSES, WASHING CLOTHES, IRONING CLOTHES, ANYTHING TO GET BY. I AM JUST UNTIL NOW STARTING TO MAKE MONEY AND CAN MOVE FORWARD WITH MAKING MY MONTHLY MORTGAGE PAYMENTS. I HAVE NOT OPENED A BANK ACCOUNT AS I REFUSE TO PAY THE BANK {$15.00} A MONTH TO PROVE MY INCOME TO SN SERVICING. I CAN USE THOSE {$15.00} TOWARDS THE MORTGAGE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT

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 2021-11-23
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of First Progress Card and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. My account with First Progress Card began in XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with First Progress Card. I have also been a customer in good standing since XX/XX/XXXX and paying my account in a timely manner. However, in XXXX XXXX and XXXX and XX/XX/XXXX. I fell on hard times due to being very ill as a result I became late in my payments. I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following those personal emergencies, Ive worked hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Your company incorrectly reported the months of XX/XX/2021 and XX/XX/2021 as XXXX days late to the Credit Bureau. Your representatives stated that the Forbearance program that I was under due to Covid hardship had ended. She said the program had ended and my only option was a loan modification program. I promptly completed and submitted that application for your review. I called weekly for an update on the process and requested documentation ( a reference number or submission number ) for which I was told there was no documentation and no decision had been made. I finally spoke with XXXX on XXXX who told me a decision was made on my account on XXXX to place me back in the same Forbearance program that I had been told had ended. Meanwhile, while waiting as instructed for a decision about the direction on my mortgage account your company reported my mortgage as XXXX days late XXXX. This is patently unfair and is negatively impacting my credit account which was protected in the Forbearance program. Im writing to have you correct the XXXX XXXXday  late payments with the Credit Bureaus as that was not my fault for nonpayment.

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 2015-09-01
Company: WELLS FARGO & COMPANY
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
We cosigned thru Wells Fargo for my son. He defaulted because he was out of work for 2 years. We helped as much as we could. Wells Fargo has put a bad debt on our credit as well as my sons. They said that the whole XXXX has to be paid or they wont take it off our credit reports. They will not negotiate for payments my son can handle. We worked our whole life and now ca n't even buy a car

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Toyota Financial Service account has been paid as agreed every month until the account balance was finally settled in XXXX 2021. The account is now closed, I have received the car title from the XXXX, etc. and everything is good on that end. 

However, I am showing a XXXX day late marker for the month of XX/XX/2021 despite the fact that the amount agreed upon ( as attached in the document uploaded ) was made prior to the XXXX day late deadline. 

I have inquired about this with Toyota ( over the phone ) and the only avenue they have provided is for me to dispute it with the credit bureaus. I have done this and somehow the verdict is still the same, no updates to my credit report. 

I would like for Toyota to properly review my account and determine if there was an error made on their part or some oversight on mine. As far as I can tell, this is pretty straightforward since the transaction history provided by Toyota shows me in the right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX fraudulent checks in the amount of over {$4000.00} were honored on personal checking account bringing balance down to a minus. 
It has been XXXX days with no response from the banks fraud department except for XXXX check being reversed on day XXXX of complaint. 

My check to pay a credit card bill was not honored causing me to be charged interest. 
Unable to pay bills timely due to direct deposit of retirement income was eaten up still leaving a negative balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed a tradeline on my account back in XXXX for supposed medical services. I 've never been a patient at this hospital. I never received any debt verification from either Equifax or the third party collector. I disputed it again with Equifax and again, I never received verification back. I sent the company a letter asking for the debt to be verified according to Texas State Law and that letter went unanswered. I filed another dispute with Equifax for the same tradeline with the same results, no verification. I called Equifax on XX/XX/XXXX and spoke with a young lady and I explained that the debt has never been verified and according to the FCRA, the debt must be removed until it can be verified according to my state laws and she refused to remove it from my report, even after I told her that the other XXXX reporters have removed the debt from my report and they were the only hold outs. If I call the company, that can start the statute of limitations over even though my state SOL expired last year and they ca n't legally sue me. Equifax is in willful non-compliance of the FCRA and according to the law, they are required to remove the tradeline from my report until the debt is fully verified according to Texas State Law of which, I sent clear instructions to the collector indicating what is required to validate the debt. I also filed a CFPB complaint against the collection agency and as of XX/XX/XXXX, they 've not responded or acknowledged the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/2015 I purchased an item thru XXXX. XXXX withdrew the total amount from my checking account on the same day. This purchase was cancelled over the phone and XXXX credited my account on XXXX. Later on, I decided to purchase the item again and XXXX withdrew the money again on XXXX ... so, the item got PAID and it was received. I do n't know what kind of mess they have between XXXX and XXXX that 2 months later, XXXX billed me for the same item, with interest and late fees. I had never received a bill from XXXX so I called. They kept on transferring calls between XXXX and XXXX without resolving the problem ... XXXX promised to file a dispute, refund PaypalCredit and let me know. I received a second bill with more late charges ( please note, XXXX had already been paid because my checking account was linked to them ). I called again and after speaking with XXXX different people, finally I could talk to a supervisor who reviewed the account and came to the conclusion that if XXXX had paid for the item on XXXX, XXXX should not withdraw the money from my account on XXXX. She promised me that XXXX would refund XXXX, and that I would not owe them anything. I called XXXX and they told me that as soon as they received the money ( {$76.00} ) from XXXX, the account would be closed. A XXXX letter came in with more late charges, the bill was already over {$160.00} and I called them again. After speaking with XXXX or XXXX different people, a supervisor assured me that I would never receive a bill again because the problem had been resolved ; yet, she transferred the call to another XXXX Supervisor who confirmed that I would never receive another bill. At this point, I had already have a nervous breakdown. To my surprise, I received another bill today, XXXX/XXXX/2015 in the amount of {$200.00} ( again with late fees ). This bill is already in the Collections Department. Please note that I received XXXX item and I paid for it ( please see picture attached which is a screenshot from my bank account. Today I called again at XXXX Eastern Standard Time, and at XXXX ( XXXX hours & XXXX mn later ) I was still with them on the phone with both ( XXXX and XXXX, trying to resolve this issue. I spoke with XXXX different people - all of them asked me for my information over and over and over. Now they have all my private information, SS #, my bank information, everything! They kept on transferring the phone between XXXX and XXXX and can not resolve the problem. In the meantime, I am bombarded with bills and late fees for something that has been paid. Please contact them and help me resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I sent a certified letter to XXXX, Equifax, and XXXX there are inaccuracies on my credit report from XXXX XXXX  and they took over 30 days to investigate which is a violation to my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Ross Morgan & Associates, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX contacted me from a restricted number. Gave a case number and a phone number to call back. She cited she was with the XXXX County Clerks Office in Utah. Upon calling the number back I spoke with XXXX XXXX on multiple occasions. He cited all my personal information to me and told me I owed {$540.00} and wanted me to pay it over the phone or he was going to take me to court. I said I wasn't comfortable with that but I'd mail a certified check after receiving proof the debt was legitimate. He got very angry with me and told me he was refusing my payment and he wouldn't take payment via certified check and he was taking me to court and hung up on me. XXXX cited he work/owned Ross Morgan amd Associates and was an attorney. I have researched the company and there was a business entity listed in California that just registered on XX/XX/2021. There are multiple complaints concerning XXXX calling using scam tactics to collect supposed debts. In any case he is either trying to scam me or by the Extinguishment Of Obligation Law XXXX XXXX XXXX XXXXXXXX  he refused my payment with no just cause. I'd like this investigated. His business is registered in California under Ross Morgan and Associates address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. Phone number I was told to call and eventually got a hold of XXXX XXXX. Registered agent listed is XXXX XXXX owner listed as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Well for XXXX years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
NAVIENT, a servicer for Federal Student Loans, is currently demanding payments, including interest and fees, prior to the XX/XX/2022 expiration of the XXXX emergency relief for federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX XXXX XXXX  the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX SYNCB/JCP XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: NFM, INC
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have already sent a cease and desist letter, along with debt validation letter to NFM Lending and they continue to send me letters. They did not send me all the information requested to validate the debt and I am now sending a RESPA qualified written request in hopes of gaining COMPLETE clarification of the account # XXXX. Attached is the qualified written request. Letter sent XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken especially with regard to the credit inquires. A proper investigation has yet to take place if this complaint is closed without proper action being taken by your company I will seek legal means to take action against your company through the judicial process. I have attached a police report verifying that I have had numerous accounts that had been opened fraudulently while serving in the XXXX XXXX. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable {$2500.00} per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. 
First I want to address the Current Address my current address is and has been for 6 years : XXXX XXXX XXXX XXXX SC XXXX I have never resided at : XXXX XXXX XXXX XXXX SC XXXX I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA. The accounts and inquires that need to be removed are as follows : XXXX account # : XXXX Condition : Closed Balance : {$0.00} Type : Auto Loan Pay Status : Current XXXX XXXX Account # : XXXX Condition : Closed Balance : {$4400.00} Type : Credit Card Pay Status : Late 90 Days XXXX XXXX Account # : XXXX Condition : Closed Balance : {$3600.00} Type : Credit Card Pay Status : Late 120 Days XXXX Account # : XXXX Condition : Derogatory Balance : {$0.00} Type : Pay Status : Collection/Chargeoff INQUIRIES : 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 2021-11-24
Company: PNC Bank N.A.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed my refinance in XXXX this year with Guaranteed Rate. My first payment on the new mortgage was in XXXX which I made in addition to several Principal payments. 
In early XXXX I received notice from Guaranteed Rate that my loan servicing will be transferred to PNC Bank, effective XX/XX/2021. The balance on my mortgage was {$320000.00} in early XXXX. As XXXX neared, I set up on-line access with PNC mortgage and saw that the balance information they had was incorrect. PNC had the mortgage balance at {$320000.00}. 
I called PNC on XX/XX/XXXX and spoke with a servicing person to let them know of the error and also emailed the servicing dept. the same information and documents I had to show the correct balance was {$320000.00}. PNC said they would research and resolve the matter. I waited a week but no word from PNC. I called them back in the second week of XXXX and they said they were still researching. They promised that they would get back to me in a matter of a few days, but I have not heard from them. I checked today on-line and they have not corrected the loan balance. My mortgage payment is coming due for XXXX and I hope this matter would get corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt the XXXX creditors say that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that collection companies provide me with competent evidence that I have any legal obligation to pay the COLLECTION COMPANIES. 

Here are the collection companies : 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 2015-05-27
Company: CORELOGIC INC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
" I would like to formally dispute the way XXXX XXXX XXXX Loans Account # XXXX is reporting the mortgage I had with them in the past. They are still reporting it as a foreclosure but will not update it to show that the account was eventually settled through a short sale in XXXX. This same account was transferred to XXXX and XXXX is reporting it accurately. I 've uploaded XXXX page of my recent credit report which shows how both XXXX XXXX and XXXX are reporting the same account ( the XXXX reporting is just underneath the XXXX reporting ). XXXX added the key verbiage " Creditor Settled for less than amount due ''. That is the standard verbiage used to reflect a short sale. For some reason, XXXX XXXX does n't want to do that. Furthermore, when I submitted a formal request to XXXX XXXX in writing to ask them to correct this a few months ago, not only did they refuse to correct it but they actually compounded the error by reporting that they started foreclosure proceedings XX/XX/XXXX which is completely wrong! They need to adjust the history so that nothing derogatory is dated on their reporting after that short sale which ended XX/XX/XXXX which is how XXXX is reporting it. ''

Company response to consumer: Closed with explanation