BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-13
Company: BlueChip Financial
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/XXXX in the amount of {$800.00}. They have debited {$130.00} twice a month from that date until late XXXX or early XXXX XXXX, at which time, they raised my payments to {$150.00} every other Thursday. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I had n't intended to pay so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: COMMERCE BANK
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My payment was applied by the bank 5 days later than it was received. My mortgage is with the same bank as my checking account. The payments shows as cleared through my account on XXXX/XXXX/2016, however, they did not apply it until 5 days later on XXXX/XXXX/2016. I contacted them through their confidential web service emails, they intend to do nothing about it. This caused 5 extra days of interest to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PennyMac Financial Services ( PENNYMAC LOAN SERVICES ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX/2017 to XXXX XXXX XXXX  XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to PennyMac.

I realized at a later date that PennyMac had reported my payment as late which is inaccurate. I have reached out to PennyMac and the credit agencies several times to get this removed. However, it remains reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Pennymac is not adhering to RESPA, TILA, and consumer protection laws for mortgage loan servicing. I attempted to remit my payment today by the web and called in to only wait on hold for 25 mins, and was ultimately and erroneously denied due retaliatory discrimination for filing a HUD complaint. I contacted the company and informed them that I planned to remit a payment this month and instructed to do so by the rep. This is ridiculous and now my loan will report late. I want this investigated by HUD and CFPB and CA attorney general 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
IN XXXX I REQUESTED A PAY-OFF AMOUNT FROM MY MORTGAGE COMPANY. OUR DESIRED PAY OFF MONTH WAS XXXX. I RECEIVED THE FIRST PAY OFF AMOUNT ON XX/XX/XXXX OF {$14000.00} FOR XXXX XXXX. I THEN RECEIVED A REVISED PAY OFF AMOUNT ON XXXX XXXX OF {$15000.00} FOR THE SAME DATE IN XXXX. THIS IS WHEN I DISCOVERED THE ESCROW OVERDRAFT OF {$1700.00}. AFTER GOING INTO THE ACCOUNT HISTORY I DISCOVERED A DOUBLE PAYMENT FOR HOUSE INSURANCE. THE DATES PAID WERE XX/XX/XXXX OF {$2100.00} AND XX/XX/XXXX THE SAME AMOUNT WAS PAID AGAIN AND I WAS CHARGED AN SHORTAGE TO MY ESCROW ACCOUNT. ON RECEIPT OF OUR HOMEOWNERS INSURANCE PAPERS IT STATED THE EFFECTIVE DATE AS XX/XX/XXXX. AFTER CONTACTING PHH ON XX/XX/XXXX I WAS TOLD THE FIRST PAYMENT CHECK WAS NEVER RECEIVED AND THEY HAD TO ISSUE ANOTHER CHECK. EMPLOYEE # XXXX FUNDS WOULD BE RETURNED ON XX/XX/XXXX. ON XX/XX/XXXX FUNDS WERE STILL NOT RETURNED. WIFE CALLED AND TALKED TO EPLOYEE # XXXX. WAS TOLD TO GIVE THEM 2 BUSINESS DAYS TO LOOK INTO IT. NO RETURN CALL. ON XX/XX/XXXX I CALLED AGAIN EMP. # XXXX SAID GIVE ANOTHER DAY AND WOULD CALL BACK. TO THIS DATE NO RETURN CALL AND FUNDS HAVE NOT BEEN RETURNED. WE HAVE ASKED REPEATEDLY WHY ARE WE COVERING THEIR LOSS. WE DON'T UNDERSTAND IF THE PAYMENT WAS LOST HOW WERE WE ABLE TO HAVE THE DATE THAT WE GOT ON OUR INSURANCE PAPERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they failed to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and there has been a failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing LLC and its affiliates keep on calling me at all time of the day regarding a mortgage payment. I never signed any note for this company. I asked them on many occasions to stop calling me. They wo n't stop. I would like to have them to destroy any record they may have created on me for whatever purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A report of a auto sent through XXXX XXXX is listed on my report that was included in a bankruptcy. Im have a bankruptcy showing in my report and a XXXX XXXX showing 90 days late which is incorrect. This account was paid in full and on time. This XXXX  account is only being reported by experian and needs to be removed immediately Im being penalized twice for the same issue.

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 2018-03-02
Company: Experian Information Solutions Inc.
State: MA
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:
There is a Bankruptcy being reported on my credit report by XXXX XXXX and Experian that does not belong 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 2016-03-01
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a XXXX GMC Envoy on XXXX/XXXX/XXXX from Drivetime. Repairs started immediately on the vehicle, the first repair was approx a week after purchase. Some receipts we were not given because it was within the 30 day warranty and they would not give us receipts for the work that was done by their preferred mechanic XXXX XXXX. The dates of all the repairs made by XXXX are as follows,XX/XX/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, XX/XX/XXXX.And our portion was {$100.00} each time these repairs were made. And we also had the lift system replaced due to a busted air bag XX/XX/XXXX for {$420.00}, and I paid {$470.00} on XXXX/XXXX/XXXX for repairs to XXXX XXXX because XXXX was unable to complete the repairs that he started. We are advised by the shop that replaced the lift system that the vehicle looked like it had been under water underneath the truck. Well my husband attempted to change the brakes on Sunday XXXX/XXXX/XXXX. He was unable to get the brakes off due to the bolts were rusted on to the truck. The brakes and rotors are COMPLETLY rusted and the brake shield which is steel falls off into pieces to the touch. I had previously ask for another vehicle and was told that is not considered until the cost of repairs total the cost of the vehicle.We are well over the blue book value which is starts at around $ XXXX and the repairs at his point are over $ XXXX! We have photos and video of the rust on the wheel and brake issue. NOW they are telling me they do n't replace unless the cost of XXXX repair has to total the value. THIS IS NOT WHAT I WAS TOLD. I WAS SOLD A LEMON THAT HAS BEEN UNDER WATER! And now I was told to take the truck to XXXX again to look at the rust and brake issue. Now I am being told they will not cover the repair. I knew this would be the issue and I do n't want it repaired I want them see the rust and disintegrating steel and put me in another vehicle. Now it has cost me {$50.00} for nothing other than them to tell me they do n't cover the repairs. Well I knew this! And the vehicle is still not running properly, it seems that the transmission is going out. And of course we are being told take it to XXXX, LOL ... ... I was SOLD A LEMON AND THEY KNOW THIS!

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 2022-07-09
Company: ALLY FINANCIAL INC.
State: DE
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:
I spoke to XXXX of the Executive Customer Relations Department of Ally Bank XXXX, option # 4, option # 8 and then extension XXXX and asked her again to remove the negative information from my credit file, as any negative reporting violates a court order which is a Property Settlement agreement approved by the XXXX XXXX Virginia Circuit Court. 

I initially thought maybe they weren't aware of this court order, but I have provided copies via a fax and now in my complaint # XXXX and after speaking with her, Ally Bank still refuses to remove the negative remarks from my credit reports. I explained that the court order says that I can not be held responsible and negative reporting on my credit report is holding me responsible. 

I replied to her email with my understanding of our conversation, and I have a copy if needed.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: DC
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  XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACOOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11
Company: BlueChip Financial
State: OR
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A process server named XXXX called from a local XXXX phone number from " Legal Services '' leaving a message he had paperwork to serve me with unless I contact the company directly. He would serve me on Monday between XXXX and XXXX XXXX. either at my residence or place of employment. So I called the XXXX number and talked with XXXX XXXX at XXXX XXXX. He said I owed around {$1200.00} for an original loan of {$600.00}. It turns out Spotloan is not a licensed pay day lender in Oregon. I told him he could only charge me for the principal which I thought I had paid already. I demanded something in writing, and he stated he mailed a letter on XX/XX/XXXX with a deadline to pay by XX/XX/XXXX. I never received a letter. In fact I never received any prior calls or communication from this collection company. He said they could charge minimal interest, and he would see me in court.

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 2022-03-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. I seen massive inquiries! such the ones below 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 In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2020-04-21
Company: Experian Information Solutions Inc.
State: WI
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:
I contacted Experian on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by Experian that I needed to contact the companies directly. 

I informed them that these inquires took place when the freeze was removed from my account, and it was no need for me to apply for XXXX bank card, I already have one with a XXXX limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with anyone from the mortgage company that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact Experian, but it was only for the XXXX inquire, but I did not apply for a card in XXXX, both inquires should be removed. Please review letter that they are willing to remove the XXXX inquire.

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 2019-08-20
Company: AES/PHEAA
State: TX
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:
I am applying for TEPSLF Loan Forgiveness because I qualify for it but not for PSLF due to being on Standard Extended plan, which servicer originally told me was right plan for PSLF (but wasn’t). I have made 122 monthly payments on time since XX/XX/XXXX, and have been full time with the same qualifying federal employer for the last 144 months to present. On XX/XX/XXXX, FEDLOAN asked for my income, family size for TEPSLF process. I provided to them via their app document upload XX/XX/XXXX. Today XX/XX/XXXX, they say since I never provided that info, they are canceling my TEPSLF request. They lied, and I have the upload and email proof I provided info on time. They have failed to provide correct loan calculation of all qualifying payments, and refuse to process my loan forgiveness. They continue to intentionally mismanagement this program and are committing fraud by lying about not receiving the requested info. Online search reports they deny 99% of people who qualify for loan forgiveness...Can President Trump and the Education Director fix them? No other financial institution make these kind of errors, therefore it must be intentional by FEDLOAN. Please help, they refuse to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: FL
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've wrote several times about the accounts that are listed on my credit report but I am not getting any where. I am a identity theft victim my personal and financial information was stolen years ago which I've had a fraud alert placed on my report but its removed after a couple years. I did not authorized the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: ACS Education Services
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
* XXXX to excessive transferring of my student loan accounts from one servicer to another, I have had difficulty keeping track of who I owe and when to pay them due to inconsistent billing. 
* Billing statements were not sent during the period of the delinquency notations despite calling the various servicers to find out to whom, how much and when to pay them. 
* The following delinquency reported on my credit reports is inaccurate and the result of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by the servicer, which is under the purview of the CFPB : 1. 90-day and 60-day past due delinquency notation in XX/XX/XXXX and XXXX XXXX without a 30-day past due notation in XXXX XXXX on ACS/XXXX, XXXX, CA account. 
2. 120-day, 90-day and 60-day past due delinquency notation in XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX without a 30-day past due notation in XXXX XXXX on same account. 
3. Reported delinquency noted in items XXXX and XXXX also appear on XXXX other ACS/XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-02-21
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The dispute i currently have is with Suburban emergency associates over a bill they did not properly bill or explain the charges on the bill. i asked them more then once for itemized records of where the numbers they have are coming from as i do not think i received the services they are billing for. Next thing i know there is a collection agency calling and sending letters threatening to sue me if i do not pay now. I responded to them asking that the matter be sent back to the service provider so i can try to get the correct bill amount and explanation they responded by threats of law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed