BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-06
Company: BANCO POPULAR DE PUERTO RICO
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
YOU MUST REFER TO ATTACHMENT # XXXX - FULL CASE to fully understand my case and request. PLEASE GO THROUGH THAT DOC BEFORE ANYTHING ELSE. 
On XX/XX/2016 at XXXX PST, I applied online for the XXXX card ( application ID # XXXX ) issued by Banco Popular de Puerto Rico, using promotional code AVSPWE to receive a Welcome Bonus of XXXX Lifemiles. 
After clicking on " XXXX '' my application, a pop-up message displayed on the screen prompting me to confirm my identity by answering a few questions. Before showing me any question, the webpage kept " thinking '' for a while and then an error message displayed without giving me any questions to answer. Please refer to attachment " # XXXX. Identity verification error '' which is a snapshot taken with my cell phone of the screen error message I got. As you can see on the left of the snapshot, a " no items to show '' message displayed instead of the questions I should have been given to answer to confirm my identity. Also as you can see on the center of the snapshot, an " Unable to continue, XXXX we can not identify you '' message displayed. Then, I was kicked out of the application and received an immediate denial email. 
I then had further issues with Customer Service ( additional hard inquiries on my credit reports without my consent a a claim opened with no resolution after 2 months ). Please refer to attachment # XXXX - Full case, to understand the issues I faced regarding my application, my interaction with Customer Service, the claim I opened with no resolution, and what I am requesting from you at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our account was just transferred to another servicer. From XXXX to SLS. 
All of the documents requested by XXXX was submitted. They had a complete modification package according to the representative assigned to our account. 
We had no idea our loan serving had changed until we received the letter. 
SLS sent us a letter of denial for a loan modification that they did not process.

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
TransUnion has refused to remove inquires that were not authorized by me. They have said they have done investigations but this is a complete lie! This is illegal to 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 explanation
Consumer complaint received 2021-05-27
Company: The CMI Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMI collections has repeatedly called me about an account with XXXX XXXX XXXX XXXX. This account is still in dispute between me and XXXX and is not resolved. CMI has now sent debt collection info against my knowledge which has effected my Fico scores considerably. CMI and XXXX now refuse to communicate on this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-25
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have sent, resent, faxed and faxed again the same paperwork over and over again, only to hear that my property is in foreclosure. Im very very upset by this. XXXX dragged this process ffor over a year then sold to another bank to do the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed chapter XXXX toward the end of XX/XX/XXXX and received my discharge XX/XX/XXXX. I have since began to rebuild my credit but my efforts have be adversely by XXXX lender, Specicalized Loan Servicing ( SLS ). They have reported correctly to XXXX XXXX 's but XXXX, XXXX. I received a credit update on yesterday of a XXXX point decrease due to an update SLS make to XXXX. I 've disputed this notation several times but no correction has been make. I really need to get this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRUIST FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
The company Regional Acceptance Corporation has not been reporting the correct balance owed on my auto loan for my XXXX XXXX XXXX. XXXX reported on my or my husbands credit. I sent them two messages on their website. Please have them report the updated paid balance and what is left unpaid to the credit bureaus. My credit is suffering from their lack of reporting to all XXXX bureaus. Looks like the last date reported was for XXXX or XX/XX/XXXX. Balance left is {$35000.00} but last two payments were left under-reported. THANK 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 2021-05-27
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX has refused to remove inquires that were not authorized by me. They have said they have done investigations but this is a complete lie! This is illegal to 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 explanation
Consumer complaint received 2015-10-21
Company: CarMax, Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have filed a previous complaint against carmax auto finance, they broke the law and aware of it but. Did not acknowledge it,, they called prior to the complaint and left messages and then called the same number multiple times each day, after they let. 

When I filed a complaint they stopped calling, they tagged my account with a XXXX which I did not request, just want them to be respectful when they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple accounts on my report that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been dealing with XXXX since I graduated in XX/XX/XXXX. I had the loan in forbearance for several years, and each year they either lost the paperwork, did not calculate my forbearance period correctly, etc. Furthermore, I have consistently asked for information on consolidating my loans ( several times in writing ), but despite promises of sending me the information, I am still waiting almost 5 years later. Looking for consolidation information on their website is impossible, and any attempts to search for " XXXX XXXX '' and " consolidation '' leads to links resulting in an Error 404 page. In XX/XX/XXXX I applied for an income driven repayment plan ( IDR ). This was granted on XX/XX/XXXX and my new monthly payments were {$69.00} per month. 

In XX/XX/XXXX, I discovered, through one of my credit cards, that XXXX had declared my loan in default. When I called XXXX to find out what was going on, it took them almost an hour to determine that their system had bumped me out of the repayment plan *2 hours* after it had been granted and the confirmation email sent out. Yet I was never notified that I had been removed from the plan. They themselves acknowledged the payment plan and that I had paid it on-time and in full. But instead of fixing the acknowledged problem, I know have to go through this process of disputing it with them. They applied a forbearance period from XX/XX/XXXX through XX/XX/XXXX, using up all of my allotted forbearance time -- this was done without my permission. In the meantime, I am now off of the plan with no forbearance left, and they are continuing to show my payments as being in default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I want this incorrect information removed from my credit report. A collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC, XXXX - ( XXXX ) XXXX is wrongly listed. That account is now serviced by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MO, 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 2017-01-09
Company: STATE FARM BANK, FSB
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Cfpb case number XXXX follow up Closed loan XXXX/XXXX/17 recision date XXXX/XXXX/17 As of today have not received funds from State Farm closing attorney. 
I had to call and follow up to, get them to send funds, not sure why I 'm doing statemfarms job

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
AES ( American Education Services ) is trying to collect a debt that is no longer owned by the loan holder that they claim is the loan holder ( XXXX XXXX XXXX ). I spoke to several people at AES as I was trying to pay a debt that was originally placed on my bankruptcy and resolved, however, I was told its a possibility of it re-surfacing. After speaking to AES and them telling me they were not the loan holder and they could not change anything with my loan, I asked who is the loan holder and contacted who they said is my loan holder which is XXXX XXXX XXXX. XXXX XXXX XXXX said they do not own my loan and have no records of it. I then called back to AES and was told, " no one owns my loan ''. I now know that they are just a collection agency trying to collect a debt that was resolved in my bankruptcy in XX/XX/2009. I want them to take this off my credit and to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Sought medical service from XXXX XXXX, whose doctor prescribed medical prescription.The product was defective, XXXX XXXX was advised not to submit any further debits to my account and Suntrust was advised to block any such payments from XXXX XXXX. However, Suntrust allowed XXXX ( XXXX ) payments of {$160.00} to go thru contrary to my instructions to them. XXXX, XXXX and XXXX, 2014

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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: Information belongs to someone else

Complaint:
Hello and Grand Day. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. In addition, it is very difficult trying to obtain a suitable financial lifestyle for my XXXX children and I. Not only have I been denied apartments and homes, I'm also unable to obtain basic checking accounts at any financial institution, also considering that I am a current student it is highly unfair. Please delete the items as soon as possible with urgency. 
Thank in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Rewards

Complaint:
My complaint is with American Express. I have had a American ExpressXXXX card for a number of years. Because my roundtrip mileage to visit the nearest XXXX was eitherXXXX miles to the XXXX PA area or XXXX miles to XXXX MD and they opened a XXXX 's XXXX XXXX only XXXX miles ( RT ) from my home, I decided to allow my AMEX/XXXX to expire XX/XX/XXXX. I continued to use my card XX/XX/XXXX accumulating approximately $ XXXX in cash back rewards. Since AMEX severed its relationship with XXXX, I was told that I was no longer entitled to any of the accumulated cash back rewards. I find it interesting that AMEX gladly accepted my charges for more than a year including a {$10000.00}. charge XX/XX/XXXX, after my XXXX membership expired. I have tried to resolve this by phone on several times, but have not been successful, only getting contacted with their overseas customer service, who claims they were unable to transfer me to the US offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions 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:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.

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 2017-02-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am a victim of ID Theft and I have been watching my credit file, I was so surprised to see that there are over XXXX inquiries from American Express. I had to file a police report and I contacted American Express. They do not appear to be very concerned and told me it appears that these inquiries are probably fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My account was recently sold to XXXX XXXX XXXX, I have received multiple calls a day since. They contacted me today while I was at my work place and the collector claimed that my account had not yet been reported to the Credit Bureau and said if I could n't meet an agreement a state attorney would be contacted. He offered me an interest free plan which will freeze my account, and then asked for account/routing and card numbers. When I was uneasy and asked if it could be done at a later time or online the collector got agitated and adamant that it had to be done over the phone in order to meet the agreement. I then said that I did n't feel comfortable doing it at work and he tried to offer to change the agreement in my favor as long as I gave him my card information. 

After I finished the call, I found out they had called the day previous at my job when I was off to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent Midland Credit Mgmt a CMRRR letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. 
If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: TRANSWORLD SYSTEMS INC
State: MT
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I owed XXXX private student loans with XXXX XXXX XXXX totaling around $ 124k. With that and other debt i chose to go through a chapter XXXX bankruptcy in XXXX officially discharged XXXX. It was negotiated that they would reduce amount owed to $ 60k, no interest, and $ XXXX for 236 months. It was not reported to the credit bureaus. My father died XXXX XXXX, I forgot to add the payments to my new budget for the year. I never heard from XXXX what so ever, then in XXXX their attorney representation contacted me threatening lawsuit. I communicated with them and they agreed to reinstate the original agreement. " start over ''. i have been making payments. I tried to apply for a consolidation loan for bills today XXXX XXXX, XXXX. I was informed that Transworld System Inc a collection agency was reporting the loans as in collections. TSI also has not communicated with me in any ways. I need it removed from my credit report immediately. It is destroying my credit to the point I am unable to use the VA Home Loan option I served my country for. I also am unable to get any loans including auto loans. Please help me. I am XXXX years old and have XXXX daughters. I believe I deserve to have the " American Dream '' please help me figure this out. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To Whom It May Concern : I am writing this letter in response to the phone letter received from you on XXXX XXXX, 2016. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with non-monetary relief