BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is for XXXX XXXX XXXX XXXX  XXXX FL XXXX It seems like PennyMac has still been playing a lot of games with us. By raising our mortgage payments tremendously. I had filed a report about this before. They still trying to say I'll tax bill went up by thousands of dollars per year. However when speaking to the tax department tax bill has only went up by {$300.00} more a year.. We are having trouble trying to pay this increase which is causing a problem. They had increased it by so many hundreds of dollars per month. We had apply for the streamline refinance which we was told to apply for. We've applied for that almost 2 months ago. We was promised during that conversation, that the streamline would be fast. That it would take about 30 days. However it's taken basically 2 months now at this point.. they seem to have misrepresent the streamline refinance itself. We was also told that we would not have to make a payment in XXXX knowing that we just applied for the streamline back two months ago. Now we're being told no we would have to pay XXXX 's payment, and yet we're being told about it at the last minute. It seems that PennyMac has not been communicating with us the right way. Nevertheless misrepresenting their products that they offer. This complete increase is causing a lot of problems. We supposed to have a FHA loan with a fixed rate for 30 years. However it seems like that's not what we have, and this increase is going to cause nothing but hardship for us moving forward... I don't understand how a streamline could go on to almost 3 months that's what it looks like, based on what we're hearing now to do. When we was told it should only take about 30 days. The reason why I'm having the problem with the payments now, is because of the fact they increase my monthly mortgage payments with higher amounts. Due to the fact they wanted more money in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Credit Lending Services Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The duration of the loan is 36 months, which I just completed. I was accessed and paid late fees every month that I was unable to pay my bill on time due to the pandemic. My vehicle was repossessed during the time I was waiting for my unemployment benefits to kick in. I got the vehicle back when I received the benefit, paid all outstanding bills before the vehicle was released to me. To my surprise after making the last payment on the loan which was the end of XX/XX/2021, I was told that I still have a balance of over {$1300.00} before I can get the title to the car. I asked for the breakdown of the claimed balance and they told me {$500.00} for repossession fees, {$120.00} for changing the lock on the car, other unexplainable fees and accumulated late fees. How can I have accumulated late fees when I paid late fees every single month that I was late? Why charge me repossession fees twice when I paid what the company asked me to pay before the car was released me? I need clarifications on these matters. Thanks for your intervention

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TENET HEALTHCARE CORPORATION
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:
Unknown account with XXXX XXXX, disputed and requested validation. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXTransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$14.00} ; XXXX XXXXXXXX XXXX Balance : {$690.00}

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. The dispute was filed with CFPB XX/XX/2022 complaint number XXXX. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

1 ) Account Name : XXXX XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX

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 2016-05-02
Company: Consumer Financial Services
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
All my privite information was given to someone who just walked in and they provide my name. The person was given information on my loan. The person was not authrized nor did any letter from me that authorize them to be given this inforamtion. 
My rights as a consumer was viloated. 
Under XXXX. This title may be cited as the " Right to Financial Privacy Act of 1978 ''. 
5 ) " customer '' means any person or authorized representative of that person who utilized or is utilizing any service of a financial institution, or for whom a financial institution is acting or has acted as a fiduciary, in relation to an account mantained in the person 's name ;

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: ARS National Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
As previously stated to ARS. The debt they are attempting to collect does not belong to me. I was a victim of identity theft. I do not want them putting this bogus account that does belong to me on my credit report. They keep writing me about a XXXX account. there reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

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 2017-01-19
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In approximately XXXX, I consolidated my federal school loans with my loan provider, American Education Services ( AES ). In XXXX, the public service forgiveness act was passed, which forgives the balance of your school loans after 10 years of public service. In XXXX, I called AES to inquire what I needed to do to be eligible and if I needed to reconsolidate my loans. I was informed that I could only reconsolidate once, and that I was already eligible because my loans had been consolidated. I was further advised that in XXXX XXXX, after I have filled out the required paperwork, I would be eligible to have the balance of my school loans forgiven. From XXXX through the present, I have worked for the government. In XXXX, I changed jobs from XXXX to XXXX At that time, I followed the instructions from the AES representative and submitted my paperwork for this employer. I currently work for the XXXX. Recently, I submitted my paperwork from this employer to continue my eligibility. However, I was recently advised by AES that I was no longer eligible for public service forgiveness because my loans were not consolidated as " direct '' loans. After hours and hours of trying to resolve this situation with AES and explaining that I had been told in XXXX that I was eligible and that no one had told me otherwise, knowing that I worked for the government and was submitting paperwork for the program, A supervisor told me, " Look, AES is a business. We are not out to look for your best interests. We look out for our client 's interest, and they are about making money. We are not going to assist someone in taking money away from our clients. It was up to you to determine if you were eligible. '' I was further told that " At the time I called in XXXX, the program was new, and the representative gave me the wrong information. '' I think this is completely unacceptable. AES knows that I have worked for the government for almost 15 years because that information is on file. They also know that they were likely providing the wrong information to their customers. There should be some sort of remedy for their deceitfulness. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Clarity Services
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: TX
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 am a consumer ; natural living, breathing person. After reviewing my consumer report I have noticed that there are still inaccuracies on my consumer report which are not in accordance with 15 USC 1666b ( a ). The account XXXX XXXX reflects two past due payments for dates XX/XX/21 and XX/XX/21, the account should reflect on time payments for dates XX/XX/21 and XX/XX/21.

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 2020-04-02
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked to see a bankruptcy. This suspicious item is not mine. Please remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company tried to look me out of my house today. I live in a XXXX gated security building so they called me to ask if I want them to come in. I said so no she said they were here to change the locks. I called to ask them what they where up to. They said they tried to do it on XX/XX/XXXX too! I am less than 45 days behind have been in my place for 10 years. They sent me no notice no anything! I payed my mortgage on Tuesday and they did this after I contacted the attorney general about other shady practices. They are retaliating against me. What can I do about this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: FORD MOTOR CREDIT CO.
State: UT
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:
Ford Credit reported my account 30 days past due in XXXX or XX/XX/2019 even though I had made arrangements to pay half at one time and the other half to follow. I was only late on half the payment they agreed to extend briefly. It was paid as agreed on. When I called, I was told this entry would be removed, but when I dispute through CFPB nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I unfortunately had to file XXXX XXXX  coming out this pandemic, being a new home owner and going back to work. I filed XXXX XXXX. My lawyer pulled my credit report, XXXX XXXX  and even included old Credit card fromXX/XX/XXXX. TransUnion immediately restored my credit. XXXX Credit card closed the account on my credit, fine wise XXXX XXXX XXXX XXXX XXXX  which is also XXXX says needs attention with XXXX balance just dropped my credit XXXX  points. I need new windows and things for my house. Credit is everything and that is why I filed XXXX XXXX

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 2015-12-07
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
Discrepancy of actual transactions vs monthly statements. Balance does not match. I have documents. No one is taking me seriously. XXXX is. 
FOLLOW UP TO ERRONEOUS CHARGES AND MISHANDLED MANUAL TRANSACTIONS TRANSFERRED OVER. 

The Fair Credit Billing Act, the federal law that dictates how credit card fraud and billing disputes are handled, defines a number of situations as billing errors, including " goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. '' In other words, if you order a product and it never arrives - or if you refuse delivery because it 's not the product you expected or because it 's damaged - you 're entitled to your money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$1600.00} on the XXXX XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sent to Judgement and should not be reporting by the collection agency. It is a violation of the Fair Credit Reporting Act to report inaccurate information. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the collection agency as well as the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked to see a bankruptcy. This suspicious item is not mine. Please remove it from my 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 2017-01-13
Company: Acceptance Rentals, Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
the scam of XXXX days same as cash for furniture, I purchased {$1500.00} of furniture and was financed by Acceptance Rentals, an additional charge of {$3100.00} was added on to my {$1500.00} purchase a total of {$4600.00}, for XXXX mattresses, bunk bed frame, XXXX box spring, a loveseat and small sofa, that cost {$1500.00}. I contacted the lender and was told that the additional charges of {$3100.00} was for the cost of the lease agreement being maintained, and that they do not charge any fees or interest on the initial loan of {$1500.00}, and that {$62.00} of my $ XXXX monthly payment was applied towards the cost of the furniture and that the remaining {$130.00} was for the depreciation of the furniture while I have possession of the furniture. I want to know what law authorizes such predatory behavior upon low income consumers who rely on credit to afford their basic needs of living. My payment is $ XXXX monthly for XXXX months total cost is {$4600.00}, what a rip-off. I was told by the store representative that processed my application that I can pay of the {$1500.00} in XXXX days and owe nothing and the furniture belongs to me and in the event that I cant pay of in XXXX days, any monies I paid towards the {$1500.00} will be applied towards any remaining balance and that remaining balance will be spread out in the XXXX months, so I was made to believe that remaining balance from the {$1500.00} is all that I will have to pay off in XXXX months resulting in {$62.00}, not this outrageous new additional charge of {$3600.00} for some lease maintenance and the depreciation of the furniture while in my care. I am paying to own the furniture in XXXX months so why am I being charged for the cost of the depreciation of the furniture, the manager told me that in case they have to repossess the furniture for non-payment that the furniture will lose value and they cant sell the furniture to reap their losses, but they never put all this information on the lease agreement I got from the store clerk. the lender further states in the agreement that any statement made by the store personnel is not part of the agreement and that THIS AGREEMENT IS NOT AN INSTALLMENT LOAN OR A DEBT BUT MEMORIALIZES A TRUE LEASE, their agreement also states that although they do n't conduct a CREDIT CHECK BUT RESERVE THE RIGHT TO VERIFY ANY/ALL INFORMATION PROVIDED ON YOUR APPLICATION, yet the store personnel pulled my credit report and based on my credit score it determined how much money I will be loaned, the lender is in partnership with the store merchant to conduct business on their behalf to solicit customers and advise customers of the lenders guidelines and they just ripoff the poor consumers,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation