BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a student loan debt of over XXXX from XXXX University for an XXXX degree in XXXX XXXX XXXX and I have n't been able to get a job with this degree and if I get a job it only pay the minimum wage because you must have experience of more than a year with credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: MA
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:
Good Morning, For several years I've noticed a clear difference between the credit scores provided by Experian, XXXX, and XXXX  ( Experian is always rating my credit dramatically lower than XXXX, and XXXX  ). I suspect that it is because I do not take advantage of the Experian " Boost '' feature. This is unfair as, I believe, the 3 Credit Reporting Agencies should be using the same criteria to fairly rate consumer credit. 

A current example of what I'm speaking of my credit ratings, as of today ( XX/XX/2021 - a 60 point difference ) : XXXX XXXX - XXXX XXXX  - XXXX Experian - XXXX (??? ) Your assistance in addressing this would be highly appreciated.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXXXXXX XXXX XXXX  repeatedly labels all and every request and complaint with Consumer Financial Protection Bureau as duplicate. XXXX  XXXX XXXX XXXX refuses to send a valid permissible permission subsequent to the fraudulent loan # XXXX together with copy of the credit report that was pulled. Failure to comply with their obligations under the FCRA is a negligent violation.

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 2016-12-15
Company: SCOTTRADE BANK
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This complaint involves my previous issue with Scottrade Bank and the transactions from XXXX. What is it going to take for you people to wake up??? XXXX stole my money, plain and simple. This " company '' is not even allowed to do business in the U.S. or with any U.S. citizens. That, in itself, is enough to make these transactions null and void. Contact the SEC and the CFTC and they will tell you the same! I 'm sure you have their numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the 30 day time period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, On XXXX/XXXX/2015 I filed a complaint with " CSC '' through the CFPB portal ( # XXXX ) CSC stated they would continue to report account number XXXX and that I needed to contact the original creditor regarding this matter, I sent a letter to XXXX XXXX, XXXX XXXX XXXX. XXXX. on XXXX XXXX 2015 regarding this matter ( attached ) with no response. I want this account removed from my credit record as this original creditor can not /will not provide me with any validation/verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My current servicer, faye servicing, has not provided me with my annual escrow statement. I am in an active chapter XXXX bankruptcy. My lender has an authorization on file from my attorney to speak to me about all aspects of My loan. Despite being in an active chapter XXXX, I get a call from a representative requesting me to make a payment on the loan every month. I do make my payment every month, however, as there is currently no penalty, I make it towards the end of the month. When the person called me this month called for payment, they mentioned that the amount was {$2600.00}. My PITI is {$2000.00} so I was very surprised to hear this. The associate mentioned that there was an escrow analysis done in XXXX and I had a shortage. This does not make sense to me as my taxes have decreased every year since Hurricane XXXX, as my home had been damaged by the storm. My flood insurance increased by {$300.00} annually. This does not warrant a {$6000.00} annual increase. I am demanding an out of cycle escrow analysis and also to be sent a copy of this. I am requesting any reserve requirement to be removed. While I understand that RESPA allows lenders to collect a reserve of 16.667 % in NY, I also know that if I request it to be removed, it must be. If there is a shortage, I am requesting that shortage to be spread over 60 months interest free, also allowed by RESPA. I am also requesting a payment history from when Faye acquired my loan until today, as I need to verify how they have been applying my payments. On top of this, I had completed a HAMP modification in XXXX 2011. As part of this I am supposed to receive an annual incentive applied to my prinicipal I the anniversary of my modification for the first 5 years of the modification.. Last year I had to ask for them to do this, otherwise I believe they would have kept the money for themselves. 
Please note that in no way am I experiencing a hard ship or requesting any financial assistance and do not want my payment dispute to be confused in any way. I simply need to ensure that this lender adheres to all requirements of a lender and provide me with the documentation that they are supposed to. I also do not want a XXXX Line generic response, as they provided in response to my last complaint. Or a rude response as my so called account manager XXXX ( sp? ) has provided. I look forward to hearing back. I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Account Outsourcing Group, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
1st called me on my cell, made arrangements to make a payment 1st payment was made XX/XX/XXXX, which bounce back but also made two pay arrangements XX/XX/XXXX which this ladies has my bank information and theirs funds in, but they never took it out which I do n't understand but the this hole time they been calling me, my job server all times, I 've asked them to stop calling my job, since I work in retail and a cashier, taking care of customers I put this lady on hold and somthing happen, then my boss is asking who keeps calling, so that I got into trouble n I 've been repeatly told her that I 'm busy I ca n't take personal calls or I 'm going to get fired. She kept saying yelling at me and going on, and on, and on why I ca n't handle it right now or she kept asking when to call back. She ask why I do n't pick up or call back? And when I do call back their number does n't even work. So I do n't understand that on their end. I work both jobs, a mother, and I have a sick mother in the hospital, plus I do n't carry my phone all the time. I have to take care of my customer first. But kept asking personal question to why I do n't answer. If they have my info and bank account to take the money I do n't understand why this lady keeps calling about. Just take their money

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2015-10-23
Company: Harley Davidson Financial Services Inc
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XXXXI got a call from XXXX XXXX XXXX XXXX a man namedXXXX XXXX XXXX This was in reference of a motorcylce i had finance by Harley Davidson Credit. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how. 
Original I had notified Harley Davison Credit of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level. 
Thank youXXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: Credit Karma, LLC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hi, I have Never went by the name XXXX ..I would like that name removed please. Thank you, XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Rhode Island Student Loan Authority
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My debt for Rhode Island Student Loans was update as current even though i already past my statue of limitations. Collections was opened in XX/XX/XXXX, RISLA falsely updated as current in XX/XX/XXXXand XX/XX/XXXXof XX/XX/XXXXin order to re-age account. I never made a payment nor did i ever contact them so this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: SC
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:
Since XX/XX/2020 I have requested Experian to delete the account in question because of the wrongful reporting. Experian is still reporting a Chargeoff account with a balance from XXXX  XXXX  XXXX. According to the FCRA there should be a {$0.00} dollar reported when the account has been sold to a collection agency. I have attached the invoice from the collection agency and my response letter to the collection agency.

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 2016-10-27
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX student loans in XX/XX/XXXX were taken out that had 6 month terms that were ironically XXXX loans totaling the exact same amounts as defaulted amounts on letters I received claiming I was in default for these amounts. The total amount = {$23000.00}. I never took out these loans because I was already 2 years graduated out of XXXX XXXX with my XXXX. Then after my student loan closed in XX/XX/XXXX, I find a new loan attached to my credit report for {$22000.00} with XXXX, is this the loans from XX/XX/XXXX, no doubt I believe so. How come TGSL ca n't provide me of details around my loan? I have a link of all my documentation around the deceptive activities going on with my student loan over the course of the last 30 years, of which I will sue XXXX for garnishing my wages over {$17000.00} for already for a loan that is n't even mine that they took out in my name. They should have guidelines to follow and be held accountable for deceptive trade. My loans never went into default they refinanced mine and then opened XXXX loans in my name to default me instead, and they need to stop doing this to people. XXXX XXXX Here 's the link to my supporting documentation : https : XXXX? usp=docslist_api

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Suntrust Mortgage Took out XXXX payments from my escrow account for my property taxes but my XXXX Property Office only received XXXX Payments. I opened the case with Suntrust to research the issue on XXXX XXXX 2017 and as of today the XXXX payment is still missing out of my Escrow. In the meantime i was contacted via mail that my escrow account is short and the shortage must be paid. I was told that i need to pay extra {$350.00} a month for next 12 months to make up the shortage. 
Therefore not only my escrow account is short of XXXX payment which didnt make it to my Tax collector but I also am forced to pay extra which seems like alot of money to come up on top of the existing mortgage.

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 2017-03-22
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My parents have been paying my student loan for the past 5 years. They accidently overpaid the student loan by mistake ( were supposed to pay another on-line bill pay company ) and it 's been over 3 weeks and the student loan servicer refuses to expedite the return of the overpayment. it 's currently a hardship on my parents. I was told several conflicting answers on how the repayment of this overpayment would be handled

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14
Company: CURO Intermediate Holdings
State: VA
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:
The amount on the collection is not accurate. The company had not proven the amount to me. In XX/XX/XXXX my balance was XXXX. This is the accurate amount. They have charge excessive fees and interest as currently the balance shows XXXX and it has been reporting past due as if it is an active account which is not accurate and impacting my credit score more than any other collections. This is not fair credit act and is inaccurate report. Also the account was not started in XXXX. It was XXXX. They closed my account in XX/XX/XXXX and they continue to charge interest and fees until they reported to the credit berau this is against the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: CA
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 have tried to communicate with XXXX About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Please restore standard consumer bankruptcy protection to student loans and make America great again! 

Capitalized interests on student loans is unjust and fraudulent. Congress has allowed corruption to prey on student loans that was formed to help students. Instead it has crippled the economy and forced XXXX former students to lead a lifetime of debt with XXXX in student loan debt. Interest collecting interests. How can it be that my total original loan amount is {$150000.00}. And I paid {$120000.00}. And 10 years later still have a balance of {$180000.00}??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Ocwen Financial Corporation
State: UT
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:
PHH Mortgage Services is reporting me late on XX/XX/20 through XXXX and I was not late. Due to the unforeseen circumstances surround the pandemic of Covid-19 I was severely financially impacted. I worked with PHH Mortgage Service through this and they knew about my situation. We decided that the best course of action would be to put my mortgage in deferment. However, I recently checked my credit and noticed that they have been reporting me late when I was specifically told that they would not report me late or file any negative marks on my credit. This is extremely disappointing as I trusted this company to help me out in a time of need. I ask they please remove the lates from my credit file. If I knew I would be receiving late notations on credit I would have come up with a different plan. Also under the federal mandate and CARE act late notations can not be filed during the Covid 19 pandemic. I am very disappointed and want to get this sorted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A account was opend on XXXX XXXX 2000 For the amount of {$770.00} with XXXX.that I 'm not familiar with # XXXX Represenetives could not give me any information about account only a different name tgat is not my name. 
And also account is older and greater the. 10 years. 
Witch I asked them to remove this account from my creditreport for that reason as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Trying to get a payoff balance to sell my house. It has been over a month. They have wrongfully put my account in collections. My account has never been past due. I am scheduled to close on or before XX/XX/2017. What should have taken one phone call to get a simple payoff balance, is now approaching two months, and is still unresolved. Please help!!! Thank you for your time.

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