BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-21
Company: Loan Science, LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
On XXXX/XXXX/2015 I filed a complaint with CFPB, Case # XXXX. Loan Science responded to this complaint and offered me a Loan Modification for my student loan. I accepted the Loan Modification and signed it and returned it to Loan Science on XXXX/XXXX/2015. In their response to my complaint, they stated that XXXX ( their Loan Servicer ) would have the Loan Modification processed within 10 business day. Well, it is now past 10 business days. XXXX processed only part of the Loan Modification. They reduced the interest rate to 0 %, they reduced my payments to {$410.00}, and set my payment plan up for 354 months ... BUT, they did not reduce my principal amount. Currently, on XXXX website it states that I owe $ XXXX still. I should only owe $ XXXX according to my loan modification. See attached documents. 
I called Loan Science to find out why this still is n't updated. They then did a conference call with XXXX to find out why it is n't updated. We had to talk to several different people and we were finally transferred to a Supervisor with XXXX who claimed that they did n't recieve the information from Loan Science to reduce the principal, only the information to set up the payment at {$410.00}, the reduced interest rate at 0 %, and the payment schedule of XXXX payments. And then XXXX mentioned something about taking the amount off after I paid for 30 years. I do n't think so, this needs to be updated now to reflect the information the loan modification states. 
Not only am I stuck paying for a predatory loan that I feel is n't fair but when they offer me some sort of relief, they still ca n't even get that updated properly. I am at my wits end. 
I spoke with XXXX very nice ladies today at Loan Science, XXXX named XXXX, and her supervisor XXXX XXXX who told me that she would have this resolved by Friday and that XXXX would have their website updated to reflect the reduced principal amount. Although she stated that this would be updated by Friday I still feel the need to file a complaint because I need to make sure I have record of this issue so that it 's not delayed any further. It seems I only have resolution when I complain on this website. I want to make sure the principal amount is reduced before I may my first {$410.00} payment due on XXXX XXXX, 2015 because I fear that if they do n't have the principal amount reduced, any payment that I make will get applied to the old principal amount and when XXXX finally gets around to updating to the reduced principal amount any payment I have made will get lost and then I will have an entirely new problem to deal with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is  XXXX   XXXX   XXXX   XXXX  . I live   XXXX   XXXX   XXXX   in  XXXX , TN  XXXX . I have a address on my credit report :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , that I requested be removed in   XXXX  . I have never lived at this address. Please email me at  XXXX  with any updates.

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 2016-06-28
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband has a loan out with Mariner Finance at the XXXX, Florida branch. We are behind on this account because he was out of work for 11 weeks due to medical problems, which they are aware of. We are working on getting all of our affairs back in order but it is a long process. My name is no where on the loan with him i am only down as a reference for him with my cell phone number listed as my contact information, however XXXX XXXX, an employee there has been told at the minimum of five times not to call my place of employment. They have continued to call my place of employment after my boss, several other employees, and i myself have told them not to call my place of employment. I called them back today XXXX/XXXX/2016 to speak to the manager XXXX XXXX about the situation of them calling repeatedly after being asked not to, she said that it was never notated in the account and was VERY rude to me about the situation when the loan does n't even belong to me, I am only a reference on the account. This is not good collection practices and certaintly needs to be addressed!. Thank you

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 2021-02-19
Company: Specialized Loan Servicing Holdings LLC
State: TN
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:
Specialized Loan Servicing reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX  so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.

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 2018-05-28
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:
Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau Trans Union, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

XXXX  XXXX XXXX / XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months in certified and notarized letters. 

They replied once on XX/XX/XXXX The letter stated the account had be sold to XXXX XXXX which also included a non letterhead computer faded copy of a copy statement. 

On my credit report it's stating XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in XX/XX/XXXX. Please help 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 2017-03-29
Company: DISCOVER BANK
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To Whom It May Concern, Sometime in XX/XX/XXXX there was a credit card issued in my name to my sister. Once I found out that there was a card in my name it was too late to close the account. Sometime in XX/XX/XXXX I had a judgement placed against me. I have written a total of four letters to Discover to resolve this matter. However, I have not received an answer in return. The card should not have been issued at all due to the XX/XX/XXXX CARD Act laws. By opening the account this put Discover in direct violation of the law. The CARD Act clearly states anyone under the age of XXXX must prove they have the means to pay for any debt that they accumulate or have a parental cosigner.My sister had neither, and did n't have my permission to act on my behalf. Discover would not have had any way to verify I had a way to pay for the card, because I was in college, and not working or receiving any substantial amounts of funds. I basically lived on whatever money my mother or other family sent to me. Also, my sister did not have my permission to act on my behalf. I would also like Discover to furnish any documents that have my signature or a signature with my name on it to me as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: Allied Financial Group & Associates (Closed)
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I did not give permissable authorization for XXXX XXXX to request or view my credit report for a vehicle loan nor did I need financing from any of the lending agencies they solicited my SSN # to. Allied Financial used an erroneus address to fraudlently produce a loan application. The actions taken by this company were fraudlent and the finance represent named XXXX was fired after I reported her and salesman XXXX XXXX that they violiated my credit privacy. I hereby warned XXXX CEO and store manager XXXX that I demanded their office to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: TX
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 have been addressing this problem for over a year. XXXX XXXX XXXX is reporting my account is a business account but the credit reporting agencies is still reporting it as a personnel account instead of a business account. 

On XX/XX/XXXX, I filed a complaint of fraudulent credit reporting activities of XXXX XXXX XXXX. During that time, I investigated months of credit reporting from all three credit bureaus and was disturbed from the inconsistencies of reporting on my credit report. I did not only find that the credit agencies allowed XXXX XXXX XXXX to change a XXXX XXXX account in the name of XXXX XXXX. to an individual account and call it revolving account in the name of XXXX XXXX. This change took place thirteen years after the XXXX XXXX Account was opened XX/XX/XXXX. But also, the credit bureaus reported this information without investigating the fraudulent data given to them from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Loan Science, LLC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I currently am paying a private student loan with XXXX/Loan Science, previously XXXX XXXX XXXX, and was out of full-time employment for seven months. After multiple attempts, they were totally unwilling to not only adjust my payment at the very least, but they were also unwilling to allow a forbearance, or deferment. As a result I have not been able to make payments, and they are dinging my credit constantly, and calling my home and my step-fathers ( co-signer ) home all hours of the day. I looked at an overview of my payments and since 2013 out of {$5500.00} paid, only {$230.00} has gone to the principal, the rest to interest and fees, its really legalized robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Financial Credit Service, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XX/XX/XXXX I was contacted by ARA Inc out of XXXX XXXX IL, The representative advised me they were trying to collect a debt I owed from a Visa card opened in XX/XX/XXXX to XX/XX/XXXX. 
I advised the representative I have no old debt outstanding, I was then told it was on my credit report and they have sent me correspondence. I advised the representative again this is not on my credit report nor did I receive any correspondence from this company. She then began to raise her voice and threaten me by stating she was filing a lien with my current creditors as well as going to file a judgement against me and contact my employer. 

I have since submitted a cease and desist letter to this company as this debt is not mine and the statute of limitations on filing against me has past. 

I find this companies tactics disturbing to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: FACTUAL DATA CORP.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through Kroll and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the XXXX score ( XXXX ) was nearly the same and the XXXX score was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. Kroll had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Bankruptcy

Complaint:
Macy reports false data to my credit report on XXXX and it is reported twice as a duplicate.. below is the history of the report, my Macys account was included in bankruptcy and should not have been reported, also date of 1st reported late payments keeps changing to favor the grantor. 

this report should be deleted in accordance with FTC rules for fair credit reporting same account being reported twice is Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 N/A XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Mailed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Viewed XXXX COMPLETED XXXX/XXXX/2015 XXXX/XXXX/2015 Expired

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 2016-11-06
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After checking my credit reports, i found a collection with a company, XXXX XXXX. I am unaware of this debt. I sent a letter to this company on XX/XX/XXXX asking for them to validate this debt by sending me something with their company bearing my signature. I sent the letter certified mail with return receipt. They signed for the letter on XX/XX/XXXX. After 31 days with no response from the company. I mailed a 2nd letter on XX/XX/XXXX which they signed for it on XX/XX/XXXX. The second letter asking them to remove this debt from my credit report since they broke the federal law by not providing me with a copy of any viable evidence bearing my signature, showing the account is being reported accurately. As of today 's date I still have not received any communications from them yet they are still updating my debt with XXXX. This showing on my credit report is hurting my credit worthiness.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Buckles & Buckles, P.L.C.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Buckles and Buckles, P.L.C. has wrongly made numerous attempts to collect on a debt, provided the court with untruthful information leading to a default judgment against me for {$10000.00} which I NEVER received service of. After I contacted Buckles and Buckles informing them I was the wrong XXXX XXXX and providing my social security card proving it did not match the social security number listed on account. Somewhat incredibly Buckles and Buckles refused to dismiss the judgment and more incredibly refused to properly investigate, maintaining their original position. Additionally, once i became aware of their attempt to tag me onto this debt, i sent them a letter specifically requesting proper validation. Buckles failed to provide any kind of legal documentation of any application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
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:
In XX/XX/2018, i received a copy of my credit report and I found several errors on my credit along with several inaccuracies which i've sent letters out asking them to be deleted/corrected/updated from my credit report. Until this date ( XX/XX/XXXX ), I'm actually surprised to find out that i've attempted to dispute several items with multiple inaccuracies with the 3 major credit bureaus ( XXXX, XXXX, and Experian ), and they haven't resolved the issue or even replied to my request.

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 2022-10-01
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
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:
First National Bank of Omaha ( XXXX ) has a BP credit card ( XXXX XXXX ), that my parents have been a member of for the better part of XXXX  years. 

I applied for my own card XXXX months ago and was approved and used the card for that amount of time. A hold was placed on my account, I called and they claimed that they randomly choose accounts to put a hold on and have an employee review them, then take them off after. I asked to have the hold removed and they said they could not move any faster than whoever was tasked to reviewing my account. 

XXXX weeks went by and my card was still on hold, they never emailed me, messaged me, or contacted me at any point about the hold, I had to call them. 

They then mailed me a letter saying my account is closed because of unnecessary risk and exposure to the bank. I have never missed a payment, always paid the entire balance weeks before the due date. This is unacceptable and terrible business operations, my credit score will take a hit as a closed account will be reported, I need answers as they claim they can not re-open the account.

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 2017-03-29
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Submitted settlement offer letters paying GLA Collections the full balance of my collection accounts totaling up to {$380.00} on XXXX. Received a call today stating that they would not accept the payments due to not being the full amount, although those were the total balances reporting to my credit report. Followed up with a supervisor who then told me the actual amount has increased to XXXX dollars in full. He also told me submitting a total of {$620.00} would settle the accounts although he just stated they do not take settlements. My credit report that was pulled on XXXX/2016 is reporting separate balances of {$150.00}, {$110.00}, {$56.00}, and {$56.00}. In the settlement offer letter submitted i stated if they do not accept the payment to submit the money orders/payments directly to me which they have not done. Please advise.

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