BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Heartland Ecsi. payoff amount is {$5400.00} plus XXXX in interest due. I was several months behind on a personal loan unknowingly I thought I was in forbearance. I sent in a request to forbear up to the total amount owed. I was told I had enough to forbear until the end of May.The forbearance was approved but they did not cover {$730.00} dollars due by XX/XX/XXXX. I have called several times asking abut the referral and they said they were still waiting on the approval, So today I conducted a chat with XXXX. he told me I was placed in forbearance XXXX. That I have used the amount of forbearance allowed. The amount of my dues will not clear to XXXX and that interest has accrued can be paid monthly or in one lump sum with your first monthly dues. The Care act does not apply to this loan. I told her I can barely cover any bills at this time due to losing my art time job. She said unfortunately we can only provide the options under the loan terms of your school. I then asked if this was a federal loan, she said yes then corrected herself that it was an institutional loan. I was given no options and given five days to pay {$770.00} dollars I do not have, It is a small loan. It should be under XXXX a month. I can pay that. I have been getting the run around for sometime. I receive no emails, letters or paperwork monthly. I was given no options nor would they budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
6 months ago I discovered that I was a victim of identity theft and therefore I disputed XXXX accounts with the XXXX major credit agencies. XXXX and XXXX did comply with my investigation however, experian has not. I am requesting that they comply with my demand under the fair credit reporting act. I have submitted a notarized affidavit, police report and my request to move these 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 2015-03-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent a letter to Experian requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and both judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: Experian Information Solutions 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 complaint is for Experian and XXXX  I have filed several times with no resolve.I have a car loan which I was late in XXXX up to XXXX of XXXX it stated on my credit report that this item would be listed in good standings in XXXX of XXXX the only one that did was XXXX. There was also a collection for XXXX XXXX purchased by a debt collector that I paid it was removed but now XXXX says I have another for the same amount but through XXXX XXXX and not a debt collector I informed them it wasn't mine but again with no resolve. I have paid everything I could that was in collections and it finally brought my score up with XXXX  from a XXXX to XXXX but Experian and XXXX  are still sitting at XXXX and XXXX and I paid collections in all 3 I'm trying to purchase a new home through va because my husband passed XX/XX/XXXX and he was a 100 % due to injuries from XXXX so I am qualified but I have no cooperation from Experian and XXXX. I would appreciate anything you can do for me. 
Thanks 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 explanation
Consumer complaint received 2020-04-19
Company: Westlake Services, LLC
State: AZ
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:
This is a last resort to get the issues with my credit finally resolved. It has been well over 60 days with absolutely no response from the credit bureau which is showing complete disregard for the laws governed under the FCRA. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: PA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-02-25
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 my mortgage transferred from XXXX to M & T Bank, the transferred escrow amount was {$14000.00} per XXXX transfer statement but M & T is unable to provide breakdown of where the escrow money went? Their total is lot less than XXXX and they are not providing breakdown of transferred escrow. M & T 1098 has escrow section which is showing amounts paid after XX/XX/XXXX and most of the funds as Miscellaneous, also the refund is counted twice and has double entry yet I received only once. There are huge mistakes on their numbers but they are not answering my concerns via messaging and are very rude over the phone. 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 2017-08-30
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I made the mistake of going to Lonestar Title for a title loan, little did I realize how much higher their interest rate was from others. My payments are double from what they would be. In trying to find someone to refinance the loan, no one can because Lonestar sends the car titles off to their home office which in return keeps any other title loan company from being able to buy out that loan. I think this is deceptive business practice and a racket to keep customers from being able to get a much lower interest rate and payment with someone else. They are the only title company I have found out in our city that does this and now I know why. It 's wrong! Because I struggle to pay such outrageous payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 my HOA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX sent all the residents in my building a letter stating that Flood Ins for our units have changed from an XXXX  to XXXX. Therefore, we were no longer required to carry flood Ins. I sent the letter to my Mortgage Company PNC, along with the Flood Certificate, showing that the XXXX Community number on the flood map is the same as the new Fema Map # is XXXX XXXX, which shows that my property is now located in flood zone XXXX and Flood Insurance is no longer required, per FEMA. Per PNC Bank, the want a XXXX Letter, which I can not obtain. PNC will not accept the new FEMA MAP or the Flood Cert that was provided to me by XXXX XXXX XXXX. PNC is now requiring for me to obtain Flood Ins or they will put forced placed Flood Ins on my home. I can not afford to pay for Forced Placed Flood Ins. By doing this, this will cause my mortgage payment to increase considerably, which will force me to sell my home or go into foreclosure. My HOA paid the flood Ins for my property in the past, but dropped it, due to the new Fema Map. There is 6 units in my building, I am the only person that has PNC and the only person required to carry flood Ins. This is just ridiculous, and I can get no where with PNC. PNC is not fair and is ignoring FEMA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
First call was at my place of employment on XX/XX/2021, which introduced herself as XXXX XXXX XXXX XXXX ) XXXX, who claimed to work at a Law Firm XXXX XXXX XXXX  XXXX who represents her client as Bank of America who filed a civil case against me. I advised her that I have no recollection of opening an account and that I will have my attorney contact them regarding that matter. However, my attorney advised that the number was not working and that the number has been reported as a SCAM. This XXXX XXXX has now contacted my family members. Two other phone numbers which associated with XXXX XXXX and both does not work! ( XXXX ) XXXX & ( 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 explanation
Consumer complaint received 2016-06-22
Company: Media Collections, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Just keeps calling. Its for someone i know nothing about.

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 2015-05-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Late fee

Complaint:
Purchased XXXX bras and opened a macy 's card. I paid this the following month. Next thing I know I owe {$64.00} more in fees. More than my original purchase!!!! I paid the fees, closed the account and will never, ever, ever do business with Macy 's again. 

DO NOT OPEN a MACY 's CREDIT CARD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Experian Information Solutions Inc.
State: MD
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:
Dept of ED/XXXX is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the Department of Education dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''

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 2016-02-22
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We applied for a loan with Provident Funding in 2012. After doing the paperwork and supplying my email address, I started getting numerous spam emails. This was very unusual for me since I only use my email for business and utilities, and get usually rare spam. The only change I could remember was having the mortgage with Provident Funding. Over months and years the emails finally ceased. Now we just paid off our loan, and right on that day the emails have started again. There must be some connection with Provident Funding 's business practice, and we want this spam email to stop.

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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get a free annual credit report via XXXX, but I could not get one from any of those three companies. I called transunion and they said when they were reported, one digit of the social security number was reported incorrectly and I should send my social security card to resolve the issue. I sent it last week, but I am still not able to access it online. I tried to get it via phone call, but it keeps getting hung up at the last step.

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 2020-06-16
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 WAS IN XXXX FOR SEVERAL YEARS SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR LOANS AN CREDIT CARDS MY INFORMATION WAS ALSO PART OF A DATA BREACH WHERE MY INFOMATION WAS USED FOR IDENTITY THEFT THERE ARE SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT KNOW AND AM NOT FIMILAR WITH THESE ACCOUNTSI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MD
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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2016-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I DEMAND THE REDACTION OF THE FORECLOSURE OF MY HOME SCHEDULED FOR A NON JUDICIAL FORECLOSURE ON XX/XX/2016 THE DOCUMENTS TTHEY ARE TRYING TO USE ARE FRAUDULENT, THEY DO NOT HAVE THE CORRECT NOTE OR DEED THE DEMANDED FORECLOSURE AMOUNTS DIFFER FROM SPS AND XXXX -LENDER DOES NOT EXIST ON THE DOCUMENTS THEREFORE I DEMAND THE NAMES AND CONTACT INFORMATION ALONG WITH A DESCRIPTION OF THE SECURITY SOLD, THE ASSIGNMENT MADE, AGREEMENTS SIGNED, BETWEEN ALL OF THE MORTGAGE BROKERS,, MORTGAGE AGGREGATORS, INVESTMENT BANKERS, RETAIL OR OTHER SELLER OF SECURITIES AND THE INVESTORS WHO PURCHASED THE SECURITIES. 

This will be the third attempt by Select Portfolio Services and XXXX to illegally foreclose- The notice was recorded XX/XX/2016 and I was notified XX/XX/2016 sale date is XX/XX/2016 the following are just some of the actions taken by SPS towards me all of which were designed to take my home and NONE of which to help me stay in my home of 18 years - SPS was notified of my hardship soon after my husband passed away and they have preyed on my situation never intending to help. 

XXXX ABUSE VIOLATION OF TRUTH IN LENDING ACT Failing to grant me a HAMP loan modifications after the successful completion of trial period plans Repeatedly requesting the same documents and financial information " Losing '' documents Purposely imposing " obstacles '' in the evaluation process to delay or prevent me a permanent loan modification Misrepresenting the status of my loan modification application Failing to keep accurate records on my accounts, which include information on fees, payments, credits, debts, etc. 
Failing to evaluate my eligibility for permanent loan modification in a proper and timely manner Failing to provide account information as I requested Increasing my debt obligations Failing to apply payments properly Breaching my trial period plan contracts Unlawfully proceeding with foreclosure despite my compliance with the contractual obligations of their trial period plans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The company is XXXX XXXX I am financing a car through them. I get paid on the 1 st of every month but my car note is the 23 rd. They have no grace period. My note was {$320.00} a month they raised it to {$360.00}. Being that I get paid on the 1st not the 23rd my payment is late. The late fee totals out to {$760.00} a month I can't afford thats amount. I explained my situation numerous amount of times they are not willing to work with me. They call me every day starting at XXXX untill XXXX XXXX  harassing belittling me about not paying my bills. I pay {$400.00} a month and still thats not enough. My payments are not going down at all. I feel im going deeper into a hole. It has to stop! I am a single mother I am completely XXXX out.

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 2020-05-27
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2020, I tried to open a Marcus savings account with Goldman Sachs. I filled out and submitted the application online. Immediately after submitting the application, the website told me that my account had been locked. The page provided a phone number, XXXX, and I was instructed to call to unlock the account. I called the number and was asked to provide all of the information I had just entered online. After confirming that I was the person who made the account, they told me they could not open an account for me because they could not verify my identity. They refused to explain why or how they made their decision. I asked if I could reapply and they said I would be refused again. I checked my credit report on XXXX, XXXX, and XXXX, as well as my consumer report on XXXX and XXXX XXXX, and there was not a single negative entry on any of them. I want to know why and how Goldman Sachs made the decision to not give me an account.

Company response to consumer: Closed with explanation