BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The loan was initially bought/originated by XXXX, through an independent mortgage broker. When XXXX went out of business, the loan was acquired by XXXX  XXXX XXXX. Until a few months ago, XXXX  XXXX XXXX ( XXXX ) was servicing the loan. They recently sold the loan to " '' and now Select Portfolio Services ( SPS ) is servicing the loan. 

The first payment to SPS included an extra {$3000.00}, and using the stub from the XXXX statement, I specified that the extra {$3000.00} was to go towards paying down the principal on the loan. However, the money was instead used to prepay 2 or 3 months of future payments, with the remainder being applied to principal. I called SPS and the representative went ahead and reapplied the payment to principal. 

The second month, this time using SPS 's own statement, I paid an extra {$2000.00} towards principal and specified on SPS 's stub that the extra should be applied towards principal. Again, the extra was misapplied to prepay several months in advance, depriving us of the interest reduction we expect when paying extra towards principal. Again I call SPS and the representative said they would reapply the amounts towards principal as I originally requested. 

However, the representative on my 2nd call also mentioned that payment by mailing a check would ALWAYS be applied first toward prepaying future months ' regular payments before applying anything towards principal. And that is was is prompting this complaint. Not that the representative made that statement, but what that statement implies about SPS : they ignore the mortgagor 's stated allocation of extra payment amounts and apply it as SPS sees fit! 

I have already submitted the 3rd month 's payment since the switch to SPS. I'll likely learn how it was applied when I receive the 4th month 's statement in a couple weeks. But based upon the conversation above, I am expecting the same misapplication of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2021-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Viewed my credit report and notice that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fraudulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks thats on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I financed a car thru XXXX  XXXX and 2 years after I bougth the car I had a car acciden which resulted in total loss. My insurance paid for the car and then I had gap insurance also and paid the rest of what was owed. XXXX XXXX recived all the money and I owed XXXX but they sent the account to charge off wich I had disputed in all credit bureaus but it always comes as account verified and no change in the charge off. It is hurting my credit and need this matter to be solved.

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 2017-04-25
Company: SECURITY FINANCE CORP
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company continues to contact references after they have told them numerous times to stop contact.

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 2022-10-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
1. I can not get a hold of my loan provider : Navient.

I have called them numerous times and either - get hung up on - get disconnected - or when I think I am about to speak to someone - I get transferred to an automated system asking me a survey of how my experience was, BUT... I did not talk to anyone.

2. I believe I may be eligible to receive payment or refund from Navient as there is a settlement against them and my loan is one of which identifies with the settlement I have an FFELP loan which was managed by Sallie Mae and then transferred to Navient.

My loan has been in - Forbearance ( which the settlement is related to ) - Deferment for several years 3. I do not know who to contact or get in touch with as I may be owed money by Navient. 
I can not get in touch with Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have student loans that are under an income based repayment plan and public service loan forgiveness, serviced by Fedloan Servicing. My annual income based repayment plan had been updating annually for the month of XX/XX/XXXX, until this year. Recertification of my income information was previously required between the end of XX/XX/XXXX and the beginning of XX/XX/XXXXannually. This year the repayments dates had been changed and I was told by a Fedloan representative, there was a mistake with their system that recalculated my income after 11 months instead of the 12 month repayment period during 2016. He noted that I did not request an immediate recalculation of my income in 2016 when I submitted my annual recertification. As a result of these errors, my account was updated too early and I now have a bill on my account for more than 3 times the amount that I should owe. I have spoken with the representative from Fedloan servicing numerous times, spent hours on the phone and have asked for supervisors on several occasions, I also sent an email to them and have not received a phone call or email response from a supervisor. This issue has been going on for weeks and initially I was told there was no problem. Being charged 3 times the amount is a problem. Fedloan servicing has made a significant error and this issue requires prompt attention, for which the response has been inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

WFDS XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2017-06-08
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Dear CFPB : This is a complaint against  Citibank for its hyper-aggressive marketing practices. Several months ago, when I applied for and was accepted for a Citibank credit card, I certainly did not expect the company would soon bombard with weekly direct mail ( not e-mail, but U.S. postal mail ) marketing offers. I want this to stop for a number of reasonsranging from junk mail cluttering my mailbox, to running the risk someone could steal my mail and open a credit card under my name, to protecting and respecting the environment. But no matter my reason, I seek the CFPBs assistance in helping me to bring Citibank to cease and desi st its out-of-control marketing practices.     See attachment for the most recent exa mple of Citibank 's ma rketing bombardment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
After reviewing my credit profile on XX/XX/2022 I identified discrepancy with account listed under Portfolio Recovery and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 with the Fair Credit Reporting act, the following accounts and inquiries has violated my rights. 

DEPT OF EDUCATIONXXXX Educational -Account # XXXX DEPT OF EDUCATION/XXXX Educational -Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX The following personal information is incorrect Former : XXXX XXXX XXXX The following personal information is incorrect Also Known As XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX NJ XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX TX XXXX The following personal information is incorrect Employers : XXXX XXXX The inquiry was not authorized XXXX XXXX The inquiry XXXX not authorized XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX The XXXX XXXX not authorized XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX  The inquiry was not authorized XXXX  The inquiry was not authorized XXXX The inquiry was not authorized XXXX The inquiry was not authorized XXXX XXXX  XXXX The inquiry was not authorized XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-06-08
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: Problem with personal statement of dispute

Complaint:
I have submitted the sam e 1 page of paper work from   XXXX   XXXX   5 times since  XXXX  to remove their info from my credit report. It is for a Foreclosure.   XXXX   XXXX   has acknowledged and states in their response to me which I have sent Experian they were INCORRECT in filing the information on my cre dit history.After  submitting this to Experian and hours on the phone with them, they asked on the last submission  XXXX  I submit it vi a internet .The other s I mailed because I was unable to scan the documents until the last submission.They responded with wanting my I.D . again which I have sent at leas t 2 others ti mes on this complaint.I mailed it with a signature required  XXXX . on  XXXX . I sent m y D.L., SS  Card, and Passport. They have responded again with a refusal to remove inacurate info even thou the company who subitted it wrote a letter they made a mistake I submitted everytime.The other  XXXX  credit Bureaus have removed it the first time 6 months ago. I am now blocked off there site when I just tried to dispute this again. It seems whoever is handling this, it has become personal for some reason. Maybe they believe I wo n't take steps to try and rectify this. I was trying to buy a home. This is the only thing standing in my way. The correct information is a Deed  in Lieu for my sinkhol e home by  XXXX   XXXX   XXXX   correctly recorded  XXXX . It was purchased  XXXX  for remediation and people are living in it.   XXXX   XXXX   made the error  XXXX  .Experian nee ds to know they ca n't do this.They do n't like my attitude by now I 'm sure, but that is no excuse to play  XXXX  with someone 's credit history. I have the   XXXX   XXXX   letter, Clerk 's Office Copy of last  XXXX  when my name was taken off and signed to  XXXX . The new owner 's info  XXXX   appraiser 's of fice. I sent ALL of this everytime with my dispute. All I get is a refusal without explanation. I will be on the phone again with Experian and contacting m y State Attorne y General. PLEASE HELP ME!  XXXX   XXXX  I did attempt to download the same docs to your site fro m a flash drive but did not see anything that was apparent it did load. I can readily supply it. Please advis e me if you need it. I tried again at the end before I hit submit but could not tell It 's PDF format and I also tried WORD

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 2022-10-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2022 my checking account with Citizens Bank was accessed by XXXX The XXXX deposited fraudulent checks into my account and immediately withdrew money via XXXX, XXXX and XXXX XXXX. I caught the fraudulent transactions happening within a day or two because my account went into negative. I did not receive any notifications from the bank regarding suspicious transactions. After I reported the situation to the bank, I was directed to file several claims, which I completed over the phone. While XXXX and XXXX XXXX transactions were refunded, and the fraudulent checks were returned, to this day Citizens has not returned the {$3600.00} which were fraudulently, without my authorization, withdrawn from my account. Citizens is blaming XXXX for denying the claim. However, I believe because I had nothing to do with sending money via XXXX and money was withdrawn from my Citizens account, they should be the ones refunding the money they allowed to be stolen. If the issue is not resolved, I will be out of a lot of money due to Citizens refusal to honor our banking contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In correspondence dated  XXXX   XXXX ,    2017 I maile d this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 2017-06-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In correspondence dated  XXXX   XXXX ,    2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 2019-12-04
Company: Home Loan Center, Inc.
State: PA
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 tried twice to correct a major error on my credit report. The information first came from lending tree, who claims the information comes from XXXX XXXX. I have twice contacted lending tree to dispute this, and they say that they have verified the information which is impossible. I have never had student loans, as my education was paid for at the time I attended college and XXXX  XXXX  which was XXXX through XXXX. If they truly tried to verify that they would find that my Social Security number or any information about myself does not match. They claim the loan was taken in XXXX, at which time I lived in Florida. Please try to help me with this, as they keep telling me its been verified. Thank you

Company response to consumer: Closed with explanation