BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft! This have drove me into XXXX, and XXXX  state of mind! It is unfair to my family and love ones that this have impacted my life. Im asking for all inaccuracies removed immediately as it is unfair to me and by law ILLEGAL!

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 2017-03-02
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I do not agree with the fee charges of {$370.00} as of to date on my account with FedLoan Services. A third party vendor reached out to me a year ago to acting as Fedloan Services so I could lower my monthly payment. This however was a scam and was not caught till I tried to get my tax information from FedLoan Services. I am dealing with the third party scam, but have asked FedLoan Services if they would wave the interest fee for this request came from the third part. They told me they are not able to do so. This is highly illegal what the third parties are doing to college students in debt and FeLoans is not trying to stop this in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
**PLEASE HELP. STOP TOMORROW 'S FORECLOSURE : XXXX XXXX, XXXX This is my XXXX complaint against SunTrust Mortgage. I see from SunTrust 's response to my previous complaint that they claim they have no record of our applying for a modification. XXXX of the modifications we applied for with SunTrust took place in XXXX 2016. As previously stated, it was at that time, that XXXX XXXX XXXX of SunTrust 's Loss Mitigation Department, recommended to me that in order to stop a foreclosure that was scheduled for XXXX XXXX, I should apply for a modification, which I did. A copy of said application along with XXXX of XXXX XXXX XXXX 's emails to me is attached to this complaint. Also at that time, as there were multiple client relationship managers with which I had to work, there was extreme confusion that came up at the last minute, about filing for a modification vs. selling our home. If one ca n't apply for a modification and list the property for sale at the same time, then why would applying have been recommended to me? Why does SunTrust 's modification application form ask if you want to sell the property? Why does the form not clearly state that if the consumer 's intent is to sell the property, then modification is not an option. In short, I was lead down a confusing rabbit hole on this issue. Now SunTrust is attempting to hide behind this confusing smoke and mirror tactic that they purported on me. We were having to make major, life altering decisions in a rush, due to SunTrust 's tactics. As I 've stated before, we were only attempting to sell the home as SunTrust had previously refused to work with us on a modification. We were then hit with a doubled monthly mortgage payment. All of this, yet again, demonstrates that SunTrust has not demonstrated good faith in working with me to save my home. In XXXX 2016 as now with tomorrow 's foreclosure date, they have denied me ample time in which to address these confusing and complex issues. This is simply more of their blatant predatory practices. PLEASE STOP THIS FORECLOSURE!! Please thoroughly investigate these events and save my home!

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 2017-05-03
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX    XXXX   I reviewed my credit report and notice an account that was not accurate to me. I mailed a validation letter on  XXXX   XXXX ,   XXXX   requesting the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent.   To date I have not received a response from  Phoenix Recovery Group  regarding the account they claim I owe them. I notice that the amount owed to  Phoenix Recovery Group  from  XXXX  to  XXXX  has changed significantly. I am requesting that they send me information regarding the account or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My name is  XXXX   XXXX . Birthdate   XXXX     I have an account reported on my credit that is false, incorrect, inaccurate and illegally reported. It is reported in violation of the FCRA, FDCPA and FACTA. I called this company and requested the original signed contract for the account they are reporting and the complete payment history from original creditor. Per FCRA  623 t his is the ONLY way they can verify accurate reporting to a CRA and legally report ANY account. I also asked for the letter of assignment and agreement between the original creditor and this collection agency ALSO required by FDCPA for any collection agency to report OR collect on an account. When I asked the lady  that answer3ed the phone to speak with a supervisor she informed me she WOULD NOT LET ME speak to a supervisor and when I gave her my reason she said THAT IS NOT A GOOD ENOUGH REASON. According to collection law in Texas this is VIOLATION and NOT in accordance3  with collection responsibility and laws. The original creditor should have obeyed all credit reporting laws and provided me the letter  ( FACTA )  30 days prior to ever reporting any late or missed payment to any CRA. This should be in the collections possession with ALL  requir3ed  docs to report but CENTRAL FINANCE CONTROL ( ALSO KNOWN AS SYNDICATED Office SYSTEMS ) does NOT have these docs to provide or PROVE right to report and are continuing to knowingly and willfully report ILLEGALLY to the CRA 's. See the attached letter I faxed this  XXXX  olle3ction comp any before and after calling their office in effort to resolve and request all docs to legally report anything on my credit THEY REFUSED TO RESPOND OR COMPLY WITH LAWS TO REPORT!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing ( SPS ) as sumed the servicing of my mortgage in  XXXX  of  XXXX  from the previous servicer  XXXX   XXXX . I spent some months dealing with   XXXX   regarding a mistake in the city taxes for my escrow payment. When they turned over the loan servicing, I believed this issue to be corrected  (  see attached letter dated  XXXX / XXXX / XXXX  ).   Shortly, upon assuming my loan,  SPS  notified me that my payment was to change from {$800.00} to {$760.00}. I contacted them immediately, asking for them to do an escrow analysis to check if the city taxes were reported correctly. (  XXXX / XXXX / XXXX , spoke with  XXXX   XXXX  and faxed a copy of my property taxes as requested. ) The month following my call, I received a refund check in the amount of {$800.00}, labeled " escrow overage ''. I called again, and was told the analysis was done and the new payment was correct. I was instructed to cash the check, as if there was an error, it could not be returned made out to me.   Within a month, I received a new escrow analysis reporting I was {$870.00} short in my escrow account. The letter made no offer to put right the account should I pay the shortage. It stated my new payment would be {$870.00} until such shortage was paid back.   I sent  SPS  the amount due for the escrow shortage ( which was {$68.00} more than the initial refund of the escrow account ).  ( I  also had paid 2 months over the {$760.00} amount and instructed the overage to go to escrow?? ) This complaint is to report the ineptitude of handling my escrow and the costly time invested in trying to straighten out the mess  SPS  created. I repeatedly contacted  SPS  to report the error, but they proceeded regardless. This is the second servicing company handling my escrow that miscalculated city taxes. Are they not responsible for contacting the city to report the correct amount for taxes?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: SUNTRUST BANKS, INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have recently paid this account off yet i still see late payments on this account. initial issue was in XX/XX/XXXX, when making my payment a suntrust representative asked if i wanted to skip a payment and put to end of term. I agreed because i trusted was as innocent as he portrayed. i went on vocation and came back to realize that not only did this guy not push payment to end of term but my car got repossessed. XXXX assured me and apologized for inconvenience and allowed me to get car back with payment all fees. Advised that they will be able to push payment out to end of term and be able to reduce payments to XXXX at no time was this explained that this would be considered a " Modified loan ''. I was tricked into believing i was refinancing. few years later when i was declined for many banks to get a new car loan after my son was born i realized that this account had XXXX late and a repo that was not suppose to show. I called suntrust to also find out that the so called modification they had was for a different vehicle. when i mentioned this to legal they immediately tried to coerce me into signing another modification with 07 nissan 350z because in exchange to remove all late fees on the account. keeping from me important information like GAP coverage may be forfeited, higher overall paid for loan and potential negative aspect on credit report. My vehicle was later involved in a accident and vehicle was paid off. At this time no Late payment were suppose to show on this account and loan modification was suppose to be taken off since they had wrong loan modification paperwork signed on my account and i was not aware i even had a loan modification. I was even told that if i refused to sign new loan modification that they would make me pay the account current by retro modifications back at its so called inception. i called yesterday XXXX and spoke with a lovely representative whom could n't even pull up my information yet suntrust continues to verify this account with credit reporting companies as " Valid ''. When i asked her if she could send information pertaining to account and modification that was on wrong vehicle she said they had nothing. So how can they continue to report information that they ca n't even verify?

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 2015-07-03
Company: Integras Capital Recovery LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
On XXXX XXXX, 2015, I received notice that I was being sued by Integras Capital Recovery, LLC ( Cause # : XXXX, filed in XXXX XXXX, Texas ). 

Prior to receiving notice of this lawsuit on XXXX XXXX, 2015, I had never heard of Integras Capital Recovery, LLC. Before XXXX XXXX, 2015, I had also never received a demand letter or any form of communication from Integras Capital Recovery, LLC. 

Also, there is a four-year statute of limitations on debt collection in Texas. The alleged debt is more than four years old. 

Finally, I 've just received a XXXX-page discovery request from the debt collector 's lawyer. I consider this to be a form of intimidation and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a big mistake taking out a  PNC CashBuilder  card ( which is anything but cashbuilding ) a few years ago. This card has caused me nothing but grief charging a Cash Advance fee of 22.74 % plus a purchase APR of 18.74 %. I do n't even know where the Cash Advance came in to the picture. I never used a Cash Advance. I contacted a rep and he told me I was only making the minimum payment of {$210.00} per month, which is also incorrect. Actually, the bank has been taking out {$280.00}. automatically pe r month out of my account for a few years now and when I told him to look it up, he could n't understand it either. He told me to remedy this I should pay {$3000.00}, which I am afraid to do. I really need help with this.

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 2021-01-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from Convergent Outsourcing , Inc. on behalf of XXXX XXXX XXXX from a credit card company called XXXX XXXX stating I owed {$1100.00}. I contacted XXXX XXXX and also contacted Convergent and asked that they provide proof that I owed this debt and neither company could provide me with any type of documentation. I do not owe the supposed debt and I do not want this to go on my credit report. I am very upset that companies are trying to take advantage of people during a crisis.

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 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint Against  : Freedom Mortgage   XXXX , TX Unfair reporting of late payment  by Freedom Mortg age. This complaint arises from a dispute w ith Freedom  Mortgage whereby the Real estate taxes were increased  in the County  we live in. F or ten ye ars we have been paying our mortgage on time without any late payments. My wife and I signed on a third party company to automatically pay our mortgage. In  XXXX    XXXX   there was a {$150.00} shortfall due to the increase in our taxes . Freedom Mor tgage received our regular payment of {$2200.00} through  XXXX   XXXX  on a timely schedule through  XXXX   XXXX .  Freedom Mortgage contacted by letter to notify us of the {$150.00} shortfall and my  wife made arrangements to pay the balance of {$150.00} over the phone.  Freedom  Mortgage took the payment but never collected the money from our bank  (   XXXX   XXXX  ) on time. The money was subsequently returned by our back because of non-collection. My wife made a payment over the phone on  XXXX / XXXX /  XXXX   and the money was collected by  Freedom Mortgage. Subsequently in looking at our credit score Freedom M ortgage reported our payment as late. We notifie d Freedom M ortgage of this negative reporting, and asked them to reverse it, but they said that they could do nothing about it. We feel tha t Freedom Mortgage is unwilling to rectify the situation. We tried to send the additional payment to Freedom Mortgage on time but feel that they dragged their feet in collecting t he money. It was't our fault because we did all we could to make sure they were paid.

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 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : XXXX XXXX OPENED : XX/XX/2017 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 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
inacurate information, and accounts that are not verified

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 2017-05-03
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient has consistently, ineptly failed to properly service my student loan account in a multitude of ways : 1 ) They failed to withdraw scheduled ACH payments, but subsequently charged me for alleged delinquencies resulting from Navient 's f ailure to make scheduled withdrawals  ; 2 ) Pa yments were misapplied, i.e., the full amount for all loans was paid in a given month, yet that amount was only applied to  XXXX  loans, resulting in alleged delinquencies on all other loans ;  3 )  Advising me that I had set up a payment program that would avoid future delinquencies, only to begin calling me in a month to say that my account was delinquent ;  4  ) Starting  XXXX ,  XXXX ,  2017, ha rassing me and my co-signer regarding alleged delinquencies despite my having paid all alleged delinquencies the prior month on  XXXX   XXXX ,   2017  , and making all scheduled payments for the month of  XXXX  as set up by a Navient employee ; no adequate description of why this occurred has ever been provided, including in a call with a supervisor named  XXXX , Employee ID  XXXX  ;  5 ) Refusing to provide a consistent point of contact ; Navient will typically only provide an employee name, and will not provide any other information permitting you to follow-up with the same person when the advice they provided is faulty ; 6 ) Never offering me income based or any other alternate payment programs ; and, 7 )  Providing notice of alleged delinquencies solely by robocall.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I received loans in XXXX to help with college. I have complained on the site before and and did not have any luck a few years ago, so I figured I would try again. I took loans out through American Education Services who is also National Collegiate Trust and was written in checks by XXXX. I was interviewed over the phone and sent some forms signed my name and my money came. I took out loans 3 times due to misinformation at the college stating I would n't lose financial aid but I did. Otherwise I would have never taken out loans. I was sent to collections in XX/XX/XXXX and have been there since. I have a great standing with my account there and have been trying to pay my way down. I do n't understand how you can stay in collections for 4 years+ until your loan is paid off. The loan terms state you may be in default after a missed payment, it does n't state how many or number of days, it also does not state that you must remain in default either. I took these loans out 10 years ago because it was the only option I had and I am almost XXXX and they are still ruining my credit. Every month it is stamped as collection whether or not I pay and my credit score has sat at a measly XXXX for the past 4 years because of it. I own up to my mistakes and understand the importance of payments but I do n't feel that I should have to suffer the rest of the {$13000.00} I owe in collections. I will never get approved for a house or car or school again if you continue to drag me down. The loans currently sit with XXXX out of Ohio. Which is also weird. I live in Colorado and the servicer is in Pennsylvania and New York I believe. So where does that put us?

Company response to consumer: Closed with explanation