BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-01
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX mortgage from Sun West Mortgage Company. After the repairs were completed, Sun West Mortgage Company sent me my monthly statement XX/XX/XXXX for my upcoming XXXX 2016 mortgage payment. The statement showed the unused funds were applied to my bill and I still will have a remaining credit for about half a month worth of mortgage. The statement clearly indicated under please pay amount that it was a negative ( credit ) amount. Because of that monthly statement, I rearrange my finances to cover things I normally did not have room in my budget. On XXXX XXXX, 2016 Sun West Mortgage sent me an email saying I did not make mortgage payment before the end of the grace period ( XXXX XXXX ). I contacted Sun West and they stated it does not matter what they sent to me and pay my bill. They refuse to admit fault. They bombarded me with a lot of phone calls and had someone visit my home twice to instruct me to pay. Sun West stated that the credit is correct, but they applied it to principle. This may or may not be standard practice, but the monthly statement did not reflect that. I find Sun West practices to be misleading, inappropriate, harassing, and intimidating. Still, no one has apologize to me for the mix up. 

Best Regards, XXXX XXXX XXXXXXXXXXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My current lender, Great Lakes, told me that the loans I 've had for almost 20 years ca n't be considered for REPAYE status. I kept getting bounced back and forth between Great Lakes and StudentLoan.gov without getting anything resolved. Great Lakes says I can sign up for REPAYE but the clock will be XXXX and only by XX/XX/XXXX will I qualify for REPAYE! Really?? I 've been paying on these loans since XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself for the first timed I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$110.00}

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 2016-09-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan was sold to Bayview Loan Servicing , LLC from XXXX XXXX XXXX while we were undertaking a loan modification. We have made our 3 monthly trial payments ahead of schedule. We went to apply for a car loan and were shown our credit report. We discovered at this time that Bayview has reported to XXXX, XXXX, and XXXX that our mortgage is 90 days delinquent and that we also have a XXXX and XXXX mortgage ( which we have never taken out period! ) We are unable to attain a vehicle at this time because of this issue and did contact Bayview Loan Servicing , LLC, namely XXXX XXXX, after discovering this. After many attempts at making contact we finally were able to reach him the next day, in which he had stated that he had never seen a situation like ours before. He stated that in his computer, it had shown that we were, in fact, not delinquent on any payments but showed that we had multiple mortgages. He said he would contact us the following day with a resolution but has yet to make contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: NJ
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:
I received a car loan from XXXX XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My XXXX report has a different closing month of the account along with an extra month of payment reported. My Equifax report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. XXXX reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of 2017. Most importantly I have obtained a full payment history from the XXXX website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. 

The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received an SBA loan ( disaster relief loan ) of XXXX $ deposited in my Suntrust account. The next day my account was closed by Suntrust and I had no notification as to why?? Its been two plus months of me calling, put on hours long hold time, speaking to several supervisors and still no letter of verification as to why my Suntrust account was closed and no check with my balance that I had in my account, a total of {$9300.00}. After two plus months of trying to get the letter explaining why my account was closed, at the very least, so I am able file a complaint with the proper bureaus with some type of proof is still unavailable to me and I have received nothing except a email on Saturday, XX/XX/XXXX at XXXX XXXX   stating my account was closed and I can look up the document but when I attempted to I was still unable to. It is now XX/XX/XXXX and I am filing a complaint to protect my consumer rights that Suntrust is violating and the crime of them taking my money from me and not distributing it back.

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 2017-01-20
Company: GREAT LAKES
State: OH
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:
I XXXX from college with a XXXX in XXXX XXXX. I then went to XXXX. When I was accepted into XXXX I was also trying to get financial aid to help pay for the XXXX. They accepted y request for aid under the circumstance that i paid off my Perkins loan. They would NOT release my money for the XXXX until it was paid, I then paid the load in full, they released my money almost when I was about to XXXX the XXXX. 
Two years later I received a notice from the attorney general saying that my Perkins loan was never paid. I called the school and they said that it was paid and then re opened for some reason. I have been dealing with this for YEARS now and every year they take money from my income tax. I have been fighting this for quite some time now and my credit is hurting because it shows on there that i have a default loan in the Attorney Generals office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a XXXX credit card issued by TD Bank with a credit line of XXXX dollars and a current balance of about XXXX. I never have a late payment on this card or in any account. My credit score is XXXX mostly because is not not old, only 7 years. I just received a notification for TD Bank informing that because they are ending the credit card relationship with XXXX, my account will be close. How much that will be impacting my credit score specially now that I 'm about to apply for a mortgage. I have been fulfilled my obligation but apparently that means nothing for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Webcollex, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CKS Financial continues to collect and report to all XXXX national credit reporting agencies without any merit. I have tried to contact them several times with no response. I contacted the XXXX and the company said it will contact me regarding the complaint. I origionally disputed this debt as not being mine over 75 days ago.I have asked for proof of validation of references debt, they can not provide it to me. They continue to report this false claim on my credit which is affecting me dramactically for no reason.CKS Financially has over XXXX simiular complaints file against them for same practices. Many lawsuits are following for failing to abide by the fair debt act guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is reporting incorrectly to XXXX  and Transunion a collection in the amount of {$3500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned all of the equipment back to XXXX, paid what was owed and therefore there is no outstanding balance to report. This account needs to be removed from collections and deleted from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this item however, I have not been successful.

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 2020-09-03
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit reports from all three credit reporting agencies. I noticed that there was a debt on there for cable services for an apartment that I never lived at and I have filed a complaint for that as well as my signature was forged on a utility billing addendum and I have provided proof that it was not me that agreed to that debt. I have contacted all three credit reporting agencies and they had the collection agency send a copy of a cable bill but as I said, there is nothing with my signature on it and anyone with your personal information can sign up for cable services or any utility service for that matter and not show identification. I never lived at the address where services were rendered and I need that debt to be removed from my credit report.

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 2017-09-04
Company: American Student Assistance
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XX/XX/XXXX I rolled my husband 's and my student loans in to a consolidation with promises of a 3 % intrest rate with American Student Assistance, that never happened. They made prmises they did not keep. 

On or about XX/XX/XXXX, I requested a forbearance or delay in paying my student loans due to unemplyment and homelessness. I had a XXXX XXXX so I would get my mail. I thought everything was ok and that I got my forbearance. I began working in XX/XX/XXXX, my second paycheck was garnished with no warning. Found out it was American Student Assistance and they started taking a quarter of my wages. Saying my loans were in default. Called them to find out why ... they said the forbearance was denied because I had no phone number I explained I was unemployed and homeless. They said my loans were in default and wages would continue to be garnished. I tried to resolve the issue a couple times stating my wage amounts and what I could afford and did not know what else to do. 

I believe that the loans were never in default. 

Also in the last ten years I have never once received a bill or any statements for amounts they received or took other than my wage stubs and tax lien notification from IRS. They have never sent interest paid amounts for tax purposes. I know they have had my address because I received privacy notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Issues with the Fruad Deparment Every inquiry That is not attached to an account is not fine by me, was never approved by me and I did NOT sign for it.

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 2020-09-03
Company: Experian Information Solutions Inc.
State: MO
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 a charge-off from 2016 that has already been removed by XXXX   for inaccuracies in the reporting. The creditor is XXXX XXXX / XXXX. 

I have sent multiple letters with documentation and Experian refuses to remove it but does not offer any valid reasons why. I have demonstrated over and over that it has clear errors. Please help.

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 2020-08-11
Company: Experian Information Solutions Inc.
State: NJ
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:
I received a car loan from XXXX XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My Experian report has a different closing month of the account along with an extra month of payment reported. My XXXX report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. XXXX  reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of 2017. Most importantly I have obtained a full payment history from the XXXX website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. 

The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.

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 2022-01-28
Company: EQUIFAX, INC.
State: MS
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:
Both Equifax and XXXX are reporting a bankruptcy account. I have disputed this record several times ; however, it keeps coming back verified. I want to know THE METHOD OF VERIFICATION. XXXX and Equifax are in clear violation of reporting inaccurate information on my consumer file that is LAW 15 U.S. CODE 1681e ( b ) Compliance procedures & 15 U.S. CODE1681 ( a ) ( 4 ) CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE. This bankruptcy account is in clear violation of 15 U.S code 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS I never gave XXXX or Equifax anything in writing that would have given them permission to report this record. Saying I did such a thing when it is false is against the law identity theft and 18 U.S. Code 1028A AGGRAVATED IDENTITY THEFT which is felony two years in prison. I would like a full new copy of my credit report reflecting the deletions sent to me via usps mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: DC
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:
In anticipation of my loans entering repayment after an in-school deferment, I e-mailed a NJClass representative to ask about my bill due date an the amount. I was given incorrect information, and as a result my account is currently delinquent. The e-mail history is attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The home depot has closed my account according to XXXX, XXXX and XXXX. My home depot card has not been working since last year. 15 USC 1681 section 602 ( A ) States I have a right to privacy. 15 USC 1681 section 604 ( A ) section 2.It also states a consumer reporting agency can't furnish an account without my written permission. I know they have violated the Truth in Lending Act. Under Tila consumers are protected against deceptive practices of misrepresentation, failure to disclose, unfair credit practices, and unfair credit billing, charges made in the wrong amount, charges that appear on the bill but where not actually processed by the consumer. Also referred to as unauthorized charges. Credit Card companies are ordered to provide statements for credit accounts at least 21 days before payments are due. Finally, failure to properly reflect charges or payments to credit or charge 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 2015-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I owed debts to XXXX for XXXX hospital. I paid allied the money owed and they said I do not owe them any mony, my acct. is paid in full but trans union still will not take XXXX of them off my record " they removed XXXX " but not both They say they will keep the one on until 2018 even though it is paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
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 pulled my credit to myself for the first timed I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested a Debut validation and they received my written notice onXX/XX/2020 They never responded and still reporting negative account on my credit. I have no clue what it is. Can you verify and report my up date. They are clearly in violation of the fair debut collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 a victim of identity theft and have been a victim of identity theft for over 20 years. The following inquiries viewed by others on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, and the result of identity theft : XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XX/XX/2022, State Employees XXXX XXXX Maryland XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX and State Employees XXXXXXXX XXXX  Maryland, XXXX XXXX XX/XX/2022 XXXX I have a current police report on file with Chex Systems.

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