BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX, 2017 my wages began to be garnished without any prior notification written or by phone. I had no idea who it was that was garnishing my wages, but after searching I found out that it was Great Lakes Financial. After discovering this I got in contact with them. They told me that in order to stop the garnishment I needed to send them last years tax information. I sent in my tax information on XXXX XXXX, 2017 but I also informed them that it was not an accurate representation of my family 's current situation, as we now had an additional dependent in a XXXX XXXX and also that my wife was no longer a full time worker but a part time worker and that she had been on XXXX leave for 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX) and had received partial pay during this time and no pay toward the end of the XXXX leave. They never took this into account during there calculations. On XXXX XXXX, 2017 I set up payment plan for my student loans. It was discovered that I met the financial requirements for hardship at XXXX XXXX monthly payments. They did n't tell me that even with me making payments that they would not remove the garnishment. XXXX XXXX, XXXX I submitted more financial information and how the wage garnishment was effectively putting my family of XXXX in to red to the company, to which they acknowledged but said I would have to continue to pay the hardship rate of XXXX XXXX monthly for 5 payments and continue to have 15 % of my wages garnished. The company said that  even though my family was in hardship they would not remove the garnishment. I do n't understand how it is that my family qualifies for hardship but is still be expected to pay for the loan and have wages garnished each pay check and survive. It has become a struggle to even afford baby formula and we are falling behind on our bills. I feel that I was mislead especially in the beginning of the process and given incomplete and incorrect information, Great Lakes seemed uncaring of the financial situation my family is in, even going as far to say that in order for them to address the situation i need to send them an eviction notice. I understand that i am responsible for the loan and I plan to repay it. If I had received notification I would have addressed this issue sooner. I feel the stain that has been put on my family by the current payment is n't sustainable and is unnecessary. I also filed a XXXX ( XXXX loan forbearance form ) which I should be covered under but have n't gotten a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX OF 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, 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. 

Please delete from credit report 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 2022-06-11
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collection Services was placed on my credit report for a balance that was owed to XXXX in the amount of {$820.00}. This information is fraudulent and suspicious. I filed a dispute with XXXX on XX/XX/XXXX and XXXX contacted Amsher Collection Agency. Amsher could not verify that the amount belonged to me and that it was incorrectly reported on my credit file. This account has been removed from my credit report. However, I sent in two money orders before I found out that this account was removed from my credit file. I sent two money orders in the amount of {$820.00} to the XXXX XXXX XXXX XXXX XXXX who is working on my account on behalf of Amsher Collection. I am having issues with receiving my money back. XXXX XXXX keeps telling me that I need to contact XXXX for remittance of payment, but XXXX said that the account has been sold to Amsher and I need to refer to their office. Amsher keeps referring me to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX refers me to XXXX. It has been difficult getting in touch with someone. I am concerned that this account appeared on my credit report and it was incorrect and didn't belong there. This seems fraudulent. I am planning to file a police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: GA
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 complaint is my follow-up prior to my previous complaint last XX/XX/XXXX. My previous complaint contains these disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$9900.00XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: TX
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 account # XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 2021-03-24
Company: DHI Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My credit score is amazing, i have 20 % Debt ratio, however DHI proceeded to search for reasons to deny my loan. They harrased my HR department and constantly asked them to verify that my letters of explanations were true. They were never satified with my letters and kept searching for a reason to increase my debt to income by taking into account minor details such as gas and meal expenses. DHI also stated my income was incredibly less than what i reported on the application. After they verified my income to be true, they proceeded to asked my HR provide a written letter explantion of my pay because they werent satisfied with the employment/income verification. They also stated the only way to make the loan more favorable to underwriting was to increase my down payment. I wanted to add a cosigner but i was discouraged to because " they can make it work '' without one. The loan was sent to underwriting 5 times, and 5 times it came back with more excuses. I was eventually told all this info is needed for the investors to buy the loan. Its one thing to ask for information, but its another to continually harass my company and ask if i was telling the truth. Why do they need more down payment if they didnt believe i make enough to pay the loan? Why is my loan already being set up to be sold to investors before being approved. The worst part was that i put my vacate Notice to my apartment 2 months prior, with all the time wasted By DHI, i had 2 weeks left in my apt and was going to be homeless soon. I had no choice but to cancel the loan and renew a lease. Didnt need the house if i have a lease. I spoke with a lawyer and they advised me i was prematurely denied, for no reason other than discrimination.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, XXXX, XXXX, and U.S. Department of Ed violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.

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 2022-01-25
Company: Foris DAX, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I PUT {$6500.00} USD ON A XXXX  DEBIT CARD THROUGH CRYPTO.COM. THE DEBIT CARD DIDN'T WORK SO THEY CANCELED IT AND ISSUED ME ANOTHER CARD. IN THE PROCESS THEY LOST MY {$6500.00} AFTER SEVERAL ATTEMPTS TO CONTACT THEM IN 30 DAYS, I CAN NOT GET A RESPONSE FROM THEM. I WAS GOING TO USE THIS MONEY FOR MY WEDDING AND CHILDREN. NOW I HAVE NOTHING FOR MY WEDDING AND CHILDREN AND WANT COMPENSATION PLUS MY MONEY AND STAKED REWARDS BACK. THIS COMPANY TOOK {$6500.00} USD FROM ME AND REFUSES TO FIX OR DISCUSS THE ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have always made additional principal payments to my mortgage account and have started making multiple payments per month. Since XX/XX/2022, this company has been applying payments incorrectly. I have multiple phone calls trying to resolve this issue and get varying responses, including it takes " cashiering '' 60 days to resolve issues, I'm escalating this, and that it's my fault for not using their online bill pay. I am also sending them a Notice of Error. Every payment that is made is compounding the problem. I also am not sure that when they do finally post a principal only payment correctly that they are also adjusting interest and principal on the actual mortgage payment for the error correction. 

The information provided by SPS is woefully lacking. There is no online transaction history, the transaction history they provide is difficult to use because there are no tracking numbers, and I can't even make an escrow shortage payment without giving the company banking information. I do not want them to have any access to my bank account. The only way I can tell, in real time, that they've made errors yet again in posting is to look at what month they say my next payment is due. Currently, I anticipate paying XXXX at the end of the month but the website says the next payment due is in XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
Bank of America did a credit inquiry on XX/XX/2021. I did not authorize this. I do not have an account or credit with them. I did not apply for a credit card with them. The inquiry impacted my XXXX credit score and dropped my points because of the inquiry.

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 2022-06-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My social security umber has been stolen and my banking information. Someone has obtained a job using my information and the bank reported that this persons address is at XXXX XXXX XXXX, XXXX, NV, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX {$97.00} They didn't include an acct # In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC sect1681 .

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

15 U.S.C 1681 section 604 A States that a consumer reporting agency CAN NOT furnish an 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 2020-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2017-07-24
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Dating back to XX/XX/XXXX, I have been paying {$800.00} mortgage payment. The amount owed each month was on the average {$720.00} dollars. The payments varied based on annual real estate taxes and homeowners insurance. Examining my mortgage from XX/XX/XXXX up to XX/XX/XXXX the additional funds were not applied as additional principle to the balance. Because the additional funds were not appropriately applied, I believe the total amount due and payoff balance is significantly incorrect. I am requesting that Ditech reassess my account and credit all additional funds that were paid to be credited as additional principle. And I am requesting that the correct balance be reflected on my next mortgage payment statement. I have requested an accounting directly from Customer Service at Ditech, but have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a hotel room through XXXX in XX/XX/XXXX. I pre-paid for it using my bank debit card. The total was {$81.00}. 
Upon checkin to the hotel, I was asked - as is customary for a credit card number for incidentals. About a week or so after checking out, I noticed my credit card had been charged the amount of the room. I called the hotel and spoke with someone who spoke very very broken English ( hotel was southern FL ). I tried calling back the next day to get someone else and they just kept saying No charged twice. 
I filed a dispute with Capital one - the credit card company they charged. I was told I would receive a letter for what they need. Letter was never received and the provisional credit was removed a month later and I was charged for it again. 
I called them back. This time they sent me a link to upload documents including a bank statement showing the charge. I sent a copy of my bank statement showing where this was paid as well as a letter explaining the situation. On XX/XX/XXXX they called me back ( Capital One ) saying they needed my debit card number. I was taken aback and told them why in XXXX 's name would I give THEM my debit card number? She placed me on hold and came back and advised she only needed the last four of my debit card number. I told her that was still extremely odd and in the few instances I have had to dispute things in the past with credit card company this has never been asked for before. They insisted it was needed so I took yet another screenshot of my banks website login page which reflected the last four of my debit card number and blacked out everything else and sent it in. 
At this point the issue remains unresolved - I am being charged interest on this incorrect purchase and Capital One - after more than 45 days is XXXX help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: Frontline Asset Strategies, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I thought about moving mine and my husband 's cell service to XXXX XXXX XXXX. I conducted this online at XXXX. We ordered phones, and the phones came in and then we decided that this move was not saving the money that we thought it would. 

We returned the phones, without ever using them or putting the sim card in them at all. I called XXXX and told them that we wanted to return the phones and not be hooked up to their service. They emailed me the return label for the return of the phones and we mailed them back to them. They are not trying to collect the phones, but they are trying to collect for service that we never turned on or used. I talked several, several times to representatives with XXXX and they " understood our frustration '' and " yes I see in our notes that you returned the phones and didn't use our service '' and " we will take care of this '' and " yes we see that you do not owe money for our service '' and " we will escalate the situation to management ''. Hours and hours were spent holding on the phone to talk to these representatives that said they would take care of this situation.

Company response to consumer: Closed with explanation