BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-01
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have our loan for primary residence with Suntrust, which is responsible for making timely property tax payments from the escrow account. Since our property tax was adjusted higher, Suntrust made payment that was less than the required amount. As a result we were assessed penalty & interest by XXXX county. Even after notifying Suntrust about the shortfall it took them 4 weeks to make the payment - and all along the bill was accruing interest. We make our tax payments into Suntrust escrow so we should not be held liable for any accrued interest and penalty.

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 2017-03-13
Company: Performant Financial Corporation
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Over the past month and a half I received 2-3 phone calls every business day between XXXX am through XXXX pm. When I would call back they were rude, demanded payment, and threatened to deduct my pay.

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 2017-01-10
Company: Performant Financial Corporation
State: WI
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:
I am an educator that went back to school in XXXX to earn additional certification as a teacher. I have paid this loan when I had work. Unfortunately, many school districts have seen cuts of XXXX or more from XXXX. Since XXXX, the situation has become much worse. I have been turned over to a debt collector, Performant, that harassed me with multiple calls daily this fall. They have misrepresented how I could qualify for a loan rehabilitation program by having different reps tell me different things. 
When I asked for them to send me paperwork to do this, this did not arrive until the first week of XXXX even though this request was made just before XXXX. When I called before XXXX, which is what I was told to do if the materials did not arrive, not only did the different reps I talk to always tell me an entirely different story, but one even said in an extremely sarcastic and mean voice that I " need to check my mail ''. This was not helpful and everything else this rep told me was different than the previous reps said. I have been trying to call and speak to the collector identified on a letter ( Dated XXXX/XXXX/XXXX but that I did not get in the mail until the later part of last week ( week of XXXX XXXX ). I can not get a human being to talk to, even though I was told to call promptly when I recieved this information. When I asked to speak to " XXXX XXXX '' ( name on demand letter ) I was immediately transferred to a phone for a woman with the last name of XXXX. I offered to start sending in payments promptly so that I could qualify for a loan rehab program, but all I get is a run-around, paperwork is not promptly sent, it is not possible to get hold of a human being that can tell me accurate and consistent information ( I ca n't get hold of a human being now that I got the letter in my hand ), and I am being denied an opportunity to make payments to qualify for a program that would resolve this issue. This is harassment as I repeatedly find that Performant has no intention of helping me yet they have harassed me with multiple phone calls daily ( before XXXX ), are rude and sarcastic when I talk to them, do not tell me truthful and consistent information, and appear to have no intention of letting me get on top of this problem.

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 2016-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
On XXXX XXXX I contacted XXXX over their chat system about getting internet for my new house that I was closing on XXXX XXXX. Since this was prior to closing, I knew that I was not allowed to have anyone pull my credit report until after I closed on the house. While I was communicating with XXXX they asked me if they could pull my Credit Report. I clearly said " No '' in the chat and that I would just wait until after XXXX XXXX to order the service since I could not have my credit pulled until then. They said that they could authorize me a different way and I said OK, but unfortunately I got disconnected and did not contact them back just so I could wait until after I closed on the house. 

Today ( XXXX XXXX ) I went into my XXXX account and saw that on XXXX XXXX XXXX did pull my Credit Report after I clearly denied authorization for them to pull it. Luckily my closing went fine and this did not become an issue, but it could have become a disaster at closing! I would have been fine with them pulling it after XXXX XXXX, but I am very upset that they still pulled it without my authorization. 

I have attached a copy of my Equifax Credit Report clearly showing the inquiry on XXXX XXXX. I work for a finance company and I know that if we pull someone 's credit report without any authorization we can lose the right to pull any more credit reports at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XX/XX/XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XX/XX/XXXX5.XXXX XX/XX/XXXX showing past due XX/XX/XXXX6.XXXX closed XX/XX/XXXX showing past XX/XX/XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested my credit reports from Annual Credit Report I mailed in the request form on XXXX, 2017 to receive my credit reports from XXXX, Equifax, & XXXX. I have received my credit report from XXXX and XXXX on XXXX, 2017. It is now XXXX, 2017 and have still yet to received my credit report from Equifax that Im entitled to. Federal Law entitles me to receive one free credit report from each credit bureau. I have requested my all 3 major credit bureaus XXXX, Equifax, and XXXX. I submitted my request at the same time. I have receive my credit report from XXXX and XXXX as of my XXXX 2017. It is now XXXX, 2017 and I still have not received my Equifax credit report that I am entitled to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
RE : Unauthorized credit inquiry While checking my personal credit report, which I acquired from Equifax noticed several inquiries made by XXXX XXXX. ( XXXX XXXX, XXXX XXXX and XXXX XXXX 2016 ) I have not authorized anyone to make an inquiry Therefore, I request that you remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. This was an attempt to obtain services fraudulently. I have a credit alert attached to my file and was not notified Sincerely, XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This account was deleted from.my credit file due to the inability to verify the debt. Equfax has since reinserTed the account as negative.. I believe that this is retaliation for filing previous complaints against them for their credit reporting practices. The account is XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX fails to remove the XXXX account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account balance is {$8500.00}. EQUIFAX reports incorrectly that this account is past due {$8500.00}. EQUIFAX reports incorrectly this account Credit Limit is {$7000.00}. EQUIFAX reports incorrectly that the account is over it 's Credit Limit. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the date of first delinquency from the other CRS 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a disputed credit card charge of {$910.00} from XX/XX/2013 which was a fraudulent action by someone in XXXX Tennessee who used my name and card number. I had called Discover Card at the time that this was a fraudulent charge. Someone had used my card account number to obtain cash advances fraudulently. The charges on the card were all cash advances to an address at XXXX XXXX XXXX, XXXX, TN. I informed Discover Card at that time that my card had been compromised and I have never lived, visited nor knew anyone anywhere in Tennessee. I wrote to Discover Card after notification from them that they were holding me accountable and recently when I discovered the charge, though disputed, was still on my credit record. Discover Card refuses to do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A collection account from XXXX XXXX XXXX in the amount of {$62.00} was recently deleted/removed from my Equifax credit report, but has been currently reinserted by Equifax. I believe this to be retaliation for my contacting CFPB with a previous complaint regarding my credit score. An Equifax representative told me that this collection account was from a new collection agency. However, I explained to the representative that this was the same collection agency as before, not a new collection agency who sold it to another collection agency to be reinserted. At this point, I requested that the collection account be removed/deleted as before, but was told by the rep she could not have it removed. This collection account was initially removed/deleted on XXXX XXXX, 2016. It is now beyond the statutory 30 days for removal. A supervisor at XXXX told me that this account was removed from XXXX my XXXX and Equifax credit reports, for which they reported in XXXX 2016. I do n't recall the collection supervisor name at this point. 
In closing, I want the collection account deleted, and my credit score be adjusted to positively and numerically reflect the removal/deletion. 

Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: Veripro Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
PLEASE see Case number : XXXX for additional supporting documentation that was sent last year. 

I was able to modify my mortgage through NACA XXXX Neighborhood Assistance Corporation of America XXXX ) and met with Home Loan Services XXXX Homeownership Preservation Team in the year 2009. 
MODIFIED XXXX home loan mortgage to 2 % fixed for life and to the market value of the home to {$360000.00}. 
REMOVED XXXX mortgage loan and moved balance to the XXXX home loan mortgage XXXX combined ). 

* ISSUE - A collection agency named Veripro Solutions thinks that my XXXX mortgage loan still exist. I sent them my loan modification documents/spoke with their representatives numerous times, to show that the XXXX MORTGAGE WAS REMOVED and the balance was moved to the XXXX mortgage. But they still keep sending me letters that I still owe the XXXX mortgage. 

XXXX My loan modification was personally negotiated with XXXX XXXX XXXX XXXX Assistant Vice President Loss Mitigation - Resolutions ) and XXXX XXXX XXXX Homeownersip Preservation Team ) from Home Loan Services XXXX XXXX XXXX Original Servicer ). XXXX personally explained to me how the loan modification would be with XXXX present. XXXX clearly even wrote and explained it to me on how the loan modification would be ( attached ). I also spoke to XXXX XXXX XXXX XXXX XXXX Loss Mitigation ) who completed the modification and we went through the modification paperwork together BEFORE I signed it. And XXXX stated that the XXXX mortgage was removed and balance combined with the XXXX mortgage. 

Loan Modification : XXXX XXXX loan mortgage deferred to 100 % LTV XXXX Loan to Value XXXX which would make it XXXX. 
* XXXX loan mortgage removed and balance moved to XXXX. Part of that balance/portion ( {$45000.00} XXXX will be postponed and be paid once the XXXX loan balance has been paid. 

If my XXXX mortgage was not removed and not part of the loan modification then : XXXX Why is my principal balance {$540000.00}? XXXX If my XXXX loan mortgage was modified to 100 % LTV ) * Where is the amount {$45000.00} coming from? 
XXXX Veriprosolutions needs to provide me documentation on where {$45000.00} is coming from if my XXXX was not part of the loan modification. *Documentation needs to come from original servicer XXXX XXXX XXXX 
XXXX Veriprosolutions also needs to provide me documentation that the XXXX mortgage was not included in the modification or not combined with the XXXX mortgage. *Documentation needs to come from original servicer XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hi I attended XXXX and my school closed and none of my credits were transferable. I called and called the school and the loan provider and was doing fraudulent affidavits and I have n't got a good response at all. Please help the debt was sold to Fed Loans or XXXX and I 've submitted a complaint before and no response. Please help me. Not to mention that I have XXXX loans reporting on my credit and I did n't take out all the loans

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am eligible for the recently developed REPAYE payment option for my student loan. I called my loan servicer and completed the application that they provided a few days after the new payment option began ( XXXX XXXX, 2015. ) It is now over 90 days later and I have not received a revised payment nor any other correspondence regarding my application. I would like my payment amount recalculated as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The borrower 's name is XXXX XXXX ( maiden name ). Her former name, while married, was XXXX XXXX. On XXXX XXXX, XXXX, we submitted an RMA and Request for Modification with all supporting financial documents to Suntrust, her mortgagee. Suntrust processes her modification through XXXX of XXXX at which point they advised that the loan modification was being denied. The reason for the denial was that the borrower showed excessive mortgage obligations on her credit report. When we had the borrower pull all XXXX credit reports, the only mortgage showing was this one to Suntrust. When we explained to the specialist/negotiator that we had pulled her credit reports and there was no other mortgage under her social security number, they refused to listen to us. THis is the borrower 's primary residence and therefore, we were at a stalemate. Borrower decided to appeal Suntrust 's denial since it was incorrect, and we provided Non-ID Affidavits whereby borrower signed under oath that she had no other mortgages. We even provided her credit reports to Suntrust to evidence only one mortgage to Suntrust. Suntrust took a few more months, processed the appeal and came back with the same decision, denying her modification based solely on these grounds. Obviously, they are not running her credit report since that is tied to her social. But rather, going through public records where her sister in law ( her ex-husband 's sister 's name is also XXXX XXXX ) does have outstanding mortgages but none of which are tied to this borrower 's social security number and do not belong to this borrower ) We provided the credit reports to Suntrust to evidence our position and the lack of any other mortgage under this borrower. They again advised that they were going through her credit report and that her credit report showed more than one mortgage. The Lender also failed to do the following in order to perform the correct research regarding the false information they are stating are on her credit report. 1. Supplemental Credit Report and 2. The XXXX a repository of information that enables underwriters to find all sorts of information related to the borrowers. 
We feel that SunTrust did not respond to our above addressed concerns and are requesting that re-review to be submitted

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 2017-01-25
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
A payment of XXXX was not applied to my highest balance/highest interest rate loans. Loan sequence XXXX and XXXX should have been paid down/off, but instead they paid down XXXX and XXXX. XXXX of which were the lowest interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: GREAT LAKES
State: VA
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:
Between the years XX/XX/XXXX-XX/XX/XXXX I have attend XXXX XXXX to complete my Bachelors. In XX/XX/XXXX school is closed due to some financial problems and charging too much to students more then they supposed to. After this i went to school which was closed but they put a flyer on the window for how to get transcripts and diplomas. Also they said get in touch with your loan provider to about Student Loan forgiveness. Which is there is an option that once school is closed loan can be XXXX out. I have applied and of course Great Lakes loan office was saying we ca n't forgive the loan because i was at the school by that time. There is an newspaper article that there was an article about this and student who attend this school between XX/XX/XXXX the XX/XX/XXXX eligible for loans to be forgive. This is a monkey on my shoulders and i already am having financial difficulties and my lawyer recommend me to get in touch with you for this matter. I know you can help me and il look forward to hear back from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation