BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-27
Company: Progressive Financial Services, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
15 years ago I went to school when my wife and I had gotten married and we had our XXXX child. I decided to take a step further and a passion that I love and went to a place called XXXX XXXX which was a one-year course. The amount of money was for the course and I took XXXX Stafford Loans out along with the federal student loan for the college that I would have to repay after graduating. College was non-transferable to actual college credits and upon graduating found out the counselor was not doing their job and actually throwing away our resumes and never did job placement. I denied wanting to pay for the college because they did n't follow through with their end of the bargain which they told me they never had to find me a job. I accrued roughly about {$14000.00} worth the debt give or take. I will submit documents to you showing how much money I 've actually paid in. While I did not pay I went into default after going into default I tried to regain structure of the loan it 's been passed off to several different lenders and ended up in the Department of Education hands and they put it in the hands of progressive Financial Services. I paid on it for one year and got myself out of default and then I became ill and was not bringing in very much money at the time therefore I stopped paying on the loan. Times got hard and it caught up with me then became a garnishment and they take up to 26 % sometimes out of my check also income tax garnishment over the years this has created a serious financial hardship amongst our family while we struggled to make ends meet it put a lot of stress on the marriage. I am now in the process of a divorce with XXXX kids and no longer make it on the amount of money that I received for just myself with the deductions out of my check.

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 2022-10-30
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
There are two Tax liens on my report that have been paid in full and continue to be reported falsely as not paid. Please remove these from my report asap as they are being reported falsely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Kohls is reporting my account as charged off, but they still report a balance. Calls to them to correct it are ineffective. 

Additionally, I offered to settle the account and they refuse to negotiate a partial settlement. They also told me that if I settled for the full amount, they would not change what they are reporting and there is no reason to settle with them since my date of last payment was XXXX of 2016. 

They do not report the correct date of last payment which is also a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Payment not received by XXXX XXXX for a payment at XXXX. 


Also held my money way past 10 day deadline on the pay off of the HELOC owed to them. 

Did not return my money until late XXXX after the first complaint was filed. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX is reporting my account as charged off, but they still report a balance. Calls to them to correct it are ineffective. 

Additionally, I offered to settle the account and they refuse to negotiate a partial settlement. They also told me that if I settled for the full amount, they would not change what they are reporting and there is no reason to settle with them since my date of last payment was XXXX of 2016. 

They do not report the correct date of last payment which is also a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015, I set up a direct debit with PHH Mortgage to have my monthly mortgage be paid on the XXXX of the month, every month. I attached a copy of the confirmation email i received. I also attached copies of how my mortgage is showing in their system ... that is is set up for direct debit. 
I found out that because I am in Chapter XXXX bankruptcy, the payments were not debited from my account. I was not aware of this. I first realized when I received a letter from my bankruptcy lawyer stating that they ( PHH ) are pursuing a consent order to have my home removed from bankruptcy protection. I contacted PHH immediately and explained the situation. The agent could see where I did set up direct debit but explained that they did not go through because of my bankruptcy. They would not allow me to make up the 'missed ' payments but directed me to their lawyer, who has not returned any of my phone calls. I do not want to lose my home and I do n't understand why they will not accept my payments and allow me to bring my mortgage current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: SYNCHRONY FINANCIAL
State: PA
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:
As of XX/XX/22, Synchrony Bank Paypal Credit Card and Mastercard are reporting 60-89 days late. In accordance with the Fair Credit Reporting Act this creditor ( Synchrony Bank PayPal Credit/Mastercard ) has violated my rights under 15 USC 1681 Section 602, which stats I have the right to privacy. 15 USC 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 Section b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Both accounts have been closed.

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 2022-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On these dates listed below I had unauthorized credit inquiries from the following companies on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-03-19
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX is reporting inaccurate information Equifax credit report. They are reporting that I was late 30 days 11 time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of times and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2023 I were charged a settled debt in the amount of {$1100.00} by an unknown debt collection agency " XXXX XXXX XXXX ''. The company has never attempted to make contact about the debt and should not attempt contact ot charging my credit report in a negative manor for a resolved debt. I have no knowledge of this creditor and I've disputed this debt on numerous occasions but creditors keeps selling the debt and charging my credit report to the point of having to invest into a locksafe file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am filing a complaint in regard to unauthorized inquiries on my account. I did not receive any money for these inquiries or applied for these services. I recently summited a complaint and it was dismissed. This is me XXXX XXXX XXXX that's filing this report no one else. 

XXXX - XXXX SERVICE Inquired on XXXX XXXX, XXXX Business Type XXXX XXXX XXXX  Card XXXX. 

XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX Inquired XXXX XX/XX/XXXX Business Type : Banks and XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Asked for a Mtg Modification. Was offered a {$200.00} per month reduction but they wanted to add 20 years to the end of the current payoff date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: PHH Mortgage Services Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a complete Borrowers Response Package on behalf of my clients on XXXX/XXXX/2016. The Borrowers were finishing a Forbearance period upon submission of the package for review of modification and other options. As of XXXX/XXXX/2016, the SPOC, XXXX XXXX at PHH Mortgage Servicing Center reviewed the file with me. She stated that she sees the documents were scanned to the Borrowers file. However, no action has been taken to open a review. I inquired about an Acknowledgement letter being sent to the Borrowers. She verified that one was on the file, but was never sent to the Borrowers. I requested escalation of the file. She stated she will email the Document Review Department. This file was submitted on XXXX/XXXX/2016. It is now 40 days from the submission of the Borrower Response package without being looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a long time customer with US Bank. I recently went to add my son ( who also has checking/savings account with them ) as an authorized user to help build his credit history. I was told the credit card account was inactive even though my card is not expired and I have not been sent a new card. I have a XXXX balance on the card and I was told if it is not active for 12 months they close the account. 

Closing an account with long good standing of on-time payments would have a negative impact on my credit score. Furthermore, if they have already reported my card as inactive in their internal system without notifying me, before my existing card is expired, and even before they issued my a new card is deceptive because I have no idea what date they reported this and therefore have no idea when they started the 12 month inactivity rule. 

They are punishing customers for paying down their card to a XXXX balance and furthermore, forcing card holders to use the card to keep it active. I try to use cards responsibly and for emergencies it is wrong what they are doing even though they say it's in the agreement I signed. You not be punished for using credit cards responsibly. Is it legal for them to close an account because they're not making enough money off of 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 2016-10-28
Company: Exeter Finance Corp.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, XXXX an application was submitted to purchase a vehicle and according to Reference No XXXX, the loan was denied but somehow, the dealership was " able '' to get the loan approved however, I had to tell the bank that I already had the vehicle when they called when in fact, I did n't pick it up until the day after they called. Also, upon receiving the paperwork, I discovered that {$3200.00} was added to the original price of the vehicle but no explanation was given as to the amount, since the selling dealership never went over the paperwork ( but they 'claim ' they did ). The selling dealership claims that it is a " fee charged by the bank for a high risk credit loan ''. I did n't find out the payment until I spoke with someone from the finance company. When I make a payment, it does n't show up in my account until the entire payment is received and there is absolutely no indication as to what the payments are being applied to as it just shows the payment received. I have made the XXXX & XXXX payments and nothing has gone toward the loan, so where is the payment actually going? There was no option for XXXX Insurance given at the time of purchase. 

Under the key factors that adversely affected my credit score : XXXX - ( 1 ) is from XXXX and ( 2 ) has been disputed with the collection agency but they have not removed it from the record, as nothing is owed. 
XXXX - the only revolving account I have is my credit card, which I am trying to pay down XXXX - the only loans that I have are my student loans, to which I graduated in XXXX XXXX and those are in income based repayment, with the current year 's payment being {$0.00} XXXX - There are n't that many accounts that are open on my account. Those listed from XXXX are being paid on a monthly basis, even though the payments are not being reported, just the balance being reduced. My credit card is paid on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-10-30
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance whit the Fair Credit Report Act this creditor ( Credit Acceptance Corporation ) on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states, I have the right of privacy. 15 USC 1681 section 604A section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any for any purpose.

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 2022-10-30
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: Was not notified of investigation status or results

Complaint:
For over the past few years I have constantly asked for your institution to actually due their grave responsibility and investigate accounts on my consumer report. Numerous times all the mail that is sent back to me states items verified, without providing me your method of verification or who you spoke with to verify information. Pursuant to 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon consumer reports being fair, and accurate. After overviewing my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companies ' initial investigation that you were going to report this information. Pursuant to 15 usc 1681 ( a ) ( 4 ) - you did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. Your company never did an initial investigation, nor a reinvestigation when I asked for your to check my consumer report for inaccuracies. I asked for reinvestigation into inquiries listed on my consumer report. You responded that the information listed was accurate and will remain listed for two years. I know for a fact that you did not investigate, reinvestigate the inquiries, or the alleged debt accounts furnished on my consumer report. I filed several complaints thru CFPB portal along with attaching valid proof from furnishers of info on consumer report that states they asked your company to remove them from reporting and yet it is still listed. This is a violation of FDCPA, FCRA along with breach of my privacy of personal information. Not only have you damaged my credit worthiness, but have caused me severe XXXX and mental XXXX Enclosed I will attach copies of items that you listed on my consumer report that were never investigated, ( XXXX XXXX, XXXX XXXX XXXX ) which is another federal violation amongst many others. Attached will also be a invoice for Federally Protected Consumer Rights Violation under 15 USC 1681 that your company Equifax violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: LEXISNEXIS
State: RI
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:
XXXX XXXX is not complying with Complaint as requested Per CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: D&A Services, LLC
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Wanted to receive information verifying that they had rights to my debt and they refused to send me a mailing. They told me they sent out XXXX mailings and XXXX was before I moved to my new address. They promised that they will no longer be calling me but taking it straight to legal action as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation