BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-03-30
Company: EQUIFAX, INC.
State: AZ
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:
XXXX/XXXX  is reporting incorrectly to Equifax ; XXXX   and XXXX  a balance due of {$800.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I have contacted XXXX and filed a report that this account has been opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times since to reach XXXX to remove this account from my name however, I have not been successful. This false reporting of an account with a balance due, that does not belong to me, is seriously harming my credit score. I have also contacted the bureaus to remove this line item however, I have not successful in this endeavor either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Atlanticus Services Corporation
State: MI
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 received a copy of my credit report with the intention to improve my credit and take care of my responsibilities and noticed a few accounts that I want explanation on. I am not saying they are reporting right or wrong. I also read the fair credit reporting act where it says by law, that I have the right to challenge anything I deem to be inaccurate. 
Are you familiar with 15 U.S.C sec. 1681 ( a )? If proof cant be provided for any account they must be removed. I am asking for any erroneous accounts to be deleted, anything not 100 percent correct. I would appreciate a valid response and someone to respond within law and not statute. I was read in a lawyer forum on a credit website that a person has 30 days to complete this investigation. Please examine all account specimens and remove them if anything is missing or incorrect. 
I also read where I can get the updated report after you investigate this from the free lawyer forum. Could you please send it to me? Thank You and also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put in the from field.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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:
Sent countless letters to XXXX regarding multiple debts on my credit report for correction and or proof item is mine ; XXXX never sent me anything and I believe an investigation was never performed. It also took XXXX more than 30 days to return anything and when they did it was just an update via email more than 30 days stating the information is correct when it is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Nelnet, Inc.
State: GA
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:
Currently the Department of Education/NELNET is reporting to the XXXX major credit reporting agencies negative events of 120 day late related to my past account XXXX from XXXX XXXX. I subsequently filed bankruptcy chapter XXXX XXXX XXXX and included these loans in that proceeding. Pursuant to Chapter XXXX bankruptcy guidelines late reporting should cease at the time of filing. The Department of Education/NELNET continues to report this information after numerous disputes to all three of the CRA 's. After the conclusion of the chapter XXXX bankruptcy process and subsequent discharge the student loans have been refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: BMW Financial Services NA, LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
BMW Financial first blocked payment by electronic means on my car loan XXXX XXXX that my son has been using XXXX earlier in 2015. I then sent 3 checks, 2 postdated, by mail to the designated XXXX XXXX XXXX XXXX. After a long duration of no information we received a thank you and acceptance of the payments. However all were attempted by BMW Financial to be cashed at the same time, well before the dates on the 2 postdated checks. They failed to clear. That ultimately led to repossession on XXXX XXXX, 2015 at my son 's place of residence in XXXX -- we are in XXXX. I sent an email to their message center on that date asking what would be needed to re-acquire the vehicle and allow my son to recover his personal items. I heard back on XXXX/XXXX/15 with information that did not answer the XXXX question. I called and was told that a decision would be made and heard the same by email on XXXX/XXXX/15. I emailed again on XXXX/XXXX/15 and again was told a decision would be made. Finally I called on XXXX/XXXX/15 and was told the amount to pay to recover. When I asked how long I had to pay the individual went offline for a bit and when she came back on said -- too late -- their practice was 10 days after recovery vehicle goes to auction so time expired on XXXX. My rights were thus denied by false and misleading information as well as deceptive practices of BMW accepting post dated checks and then attempting to cash them prior to the dates on the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing company, Select Portfolio Servicing, received my payment on XXXX XXXX, 2016 electronically from my bank. Funds were applied to my conventional mortgage on XXXX XXXX, 2016 XXXX day after electronic receipt, although they were applied incorrectly. The payment submitted was {$28000.00}, of which {$3200.00} was for the regular payment and the remainder for principal reduction ; for this it was noted as " other payment '' on their web site, the only option available. The payment applied was {$3200.00} for the scheduled payment and {$5000.00} in principal reduction ; the remaining {$20000.00} was noted in the payment since it was a single electronic payment but the amount does not show in the accounting of the mortgage. In particular, the mortgage principal shows a reduction of {$5000.00} only. Several calls have been made, with the most recent saying it will take XXXX5 business days to apply this ; unfortunately, this is contrary to Federal law requiring payments be applied on the day received. Their mishandling has incurred extra interest charges since the principal was not reduced. Additionally, they changed the next payment date, apparently with a policy to pay up to two months ahead with extra payments instead of applying to principal ; this was not provided in any documents or truth in lending, and results in the customer paying higher interest for the loan which is disturbing when Select Portfolio Servicing , Inc. already maintains an escrow account with has more than a months payment in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Rocket Mortgage, LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am a XXXX time home buyer in XXXX Maine who applied for an FHA loan through XXXX of the nations largest online home mortgage lenders. 
The Sellers and I desired to complete a private sale because that suits our preferences. 
The Sellers and I drafted a purchase agreement together and I submitted the draft to my attorney for review and corrections. My attorney placed in the Purchase Agreement contract language that would protect the interests of both the Sellers and I. 
XXXX stipulation that protected the buyer was that if the appraised value of the property and therefore the financed amount is less than the agreed purchase price minus the earnest money down-payment, then I would be released from the requirements of purchase agreement and could demand a refund of the earnest money. 
The home buying process with the lender initially went very quickly and smoothly up until the order for the appraisal was issued. At that point, the process slowed to a standstill because no Appraisers have bid for or accepted the order. 
After the appraisal order was issued two weeks and no appointment was made, I became concerned and obtained the Roster of Appraisers in XXXX XXXX in Maine and called each XXXX. I learned that most of them had made it an unofficial policy not to accept orders from XXXX and some explained their negative experiences in prior dealings. I learned of many abuses that the appraisers endure that I would like to relate to you if you inquire it of me. 
I did n't know what XXXX were so I did some further research learned that XXXX serve as a XXXX parties that prevent conflicts of interests between the lenders and the appraisers. 
The appraisers that I spoke to were pleasant people and professional, they all stated that they had plenty and enough work without the need to reply to orders from XXXX so that they may avoid the difficulties they had previously experienced. 
I had submitted the Purchase Agreement to Quicken Loans on XXXX XXXX 2015. The closing date was initially scheduled for XXXX XXXX 2015. We did not close on this date because no appraisal has been completed. I am told that all other requirements have been met. 
The next closing date is XXXX XXXX, the date that my Purchase Agreement expires. 
No appraiser appointment has been scheduled. I am concerned that I XXXX lose my Earnest Money down-payment if the sellers decide not to sell to me after our purchase agreement contract expires and no appraisal is completed and I ca n't close. 
HELP! I do n't want to lose my money because the lender ca n't get an appraisal scheduled. 
What can my family and I do to get an appraisal and hopefully close on this home by the closing date on the Purchase Agreement Contract?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize or do any of these hard inquiries on my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Facts : XXXX The credit reporting agencies has illegally included information on the credit reports. 

Law : *According to the Fair Credit Reporting Act, Section 15 USC 1681a under the Exclusion Section number B anything that was extended or authorized on credit card will be excluded from the consumer report. Credit Card Any card plate or coupon book existing for the purpose of obtaining money property labor services on credit. Remove these accounts, If not you are civilly liable for reporting misinformation, it is also inaccurate.

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 2016-12-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
A company named Navient started sending my husband and I multiple letters a week saying we both owed them money for school loans. My husband does n't go to college so he filled out a fraud complaint with Navient and they said he did not. Then, they kept calling and sending up to 10 letters a week. Two days ago, another company XXXX XXXX XXXX called and stated they were calling for Navient. I told them that Navient was a predatory company, that I was still in school and I had no verification of having a loan with them. Yesterday, we got two letters from XXXX that stated my husband was a co-signer on a loan that I had from 2007, but I was not in school in 2007. I would like to warn other students to avoid this company and I need help to find out if they have a loan with them which I would consolidate with a reputable loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Reliant Capital Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I graduated from XXXX University with a debt of approximately XXXX Dollars. When they first contacted me I tried to negotiate a payment agreement with Reliant Capital Solutions that would allow me payoff the debt and not be at risk of being homeless. I am not wealthy and have a very modest salary and I am a single parent. They refuse the amount that I was able to pay. They are now calling my place of employment and are being aggressive and harassing my colleagues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job at the end of XXXX. On XXXX XXXX, we requested a Loan Modification from XXXX XXXX XXXX, filed all the requested paperwork, more that one time, I might add. Delays and more delays and nothing happened. Finally, in XXXX XXXX, we had a meeting in person, with a XXXX Rep. and started another request for XXXX, kept in touch with her for a couple of months, emailed her often to check status, advised her in XXXX XXXX that I had found a good job and we felt confident to resume payments. We stressed very often that we wanted and would do anything to keep our home, just tell us what to do, to no avail. 
Then the loan went to XXXX XXXX, then to Select Portfolio Services, and of course every time, a new XXXX request, more paperwork, and it dragged and dragged. Of course as time goes by, interest and late fees keep accumulating, what was a XXXX balance, got to XXXX, we still wanted our home, but finally in XXXX of XXXX, almost 4 years later, the only thing left for us to do was a Short Sale or Deed in Lieu, really? after 4 years? 
At what point we had control of the time all this show took place? We could n't abandon the house, we could n't make payments because no agreement had been made, we would 've lost that as well. 
Only thing for us to do was to maintain the property, and we did, even though we did n't live in it full time because of our jobs in another town. 
The house was merely to spend 4-6 days a month while being off work, and served as storage for our furniture. My wife and I still live with relatives because our credit is shot and because guidelines wont let us buy a house for 3 to 7 years. 
XXXX XXXX sold the house 2-3 months after we moved out. We lost our home of 8 years, down payment, closing costs, improvements, not to mention the stress and the uncertainty of the outcome, alongside with the credit consequences that now wont let us even attempt to apply for a mortgage anywhere else. 
A deal is a deal. It was very unfortunate that I lost my job and I expected consequences, like missed payments I had to make up for, late fees, penalties, interest, etc ... and we were ready to comply with that, that would 've been easier, but they kept pushing for a Loan Modification, we did n't wanted one after XXXX XXXX, but they always had control and their plan was to build up the debt, make the house go underwater and forced us out, and it worked. We lost our home and ca n't buy another because our credit shows a Deed in Lieu and no mortgage company wants part of us. Guidelines, they say, you have to wait. 
Have n't we lost enough already?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reviewed my credit report and noticed quite a few unauthorized inquiries on all 3 credit bureaus, Experian, XXXX, and XXXX. Ive noticed unauthorized inquiries on my report and someone applied for something in my name. I spoke to creditors and bureaus and they refuse to delete the unauthorized inquiries and said I had to wait 2 years for them to drop off my report. 
I am asking for all unverified inquiries EXCEPT XXXX XXXX  ( XXXX  ), CREDIT PLUS ( XX/XX/XXXX ), and ALLY FINANCIAL ( XX/XX/XXXX ) be removed from my credit history. These are the only 3 inquiries that have resulted into an account. It has severely impacted my credit report and history.

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 2021-07-29
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company, World Finance Corporation, reported to the credit bureau that I owed {$1500.00} and past due, in the same report as {$990.00}. This information is incorrect. 

When I went to pay, they made me pay the balance of {$1500.00} instead of {$990.00}, I paid the full amount of {$1500.00} to clean up my credit. This, in my opinion was an extortion to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had an insurance claim at my house about 2 months ago. The insurance check was made payable to the bank because I had a mortgage on my house. The job is complete and the bank has not released the money so I can pay the workers who repaired my house. They say it was being sent, but then there was a " batch error '' so they had to stop payment on it, but it should go out tomorrow. I wait two days and still no check, so I call back. This time it had n't been sent because the stop payment had not cleared, I would think that if the bank made a mistake, they should be able to fix it. Please find out why they are keeping my money. My name is XXXX XXXX, the bank is PNC, my claim number is XXXX. I have been dealing with XXXX XXXX with the PNC branch in XXXX, NC. My address is XXXX XXXX XXXX. XXXX, NC XXXX. My phone number is XXXX. Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX I sent an affidavit of hardship letter via email to mortgage servicer, Select Portfolio Servicing , Inc. and although I received an acknowledgement from SPS, I was told they had not received my affidavit. I had mentioned my XXXX in my XXXX/XXXX/XXXX letter. I believe this is the reason they claimed to not to have received my email. I realize that I was probably too detailed as to what happened, but I was trying to let them know just how close to XXXX I was. I finally sent SPS another letter dated XXXX/XXXX/XXXX and did not mention the XXXX and they accepted that letter. 

We are now trying to send in another Request for Modification Application ( RMA ). I mentioned the XXXX again without all the details except for that I thought that SPS was the reason because I have not been able to work since XXXX of XXXX. I feel like that this is a good reason for financial hardship. I mentioned it again and am sending a copy to the Consumer Financial Protection Bureau so that they can be a witness of my letter and that I did receive an acknowledgement from SPS. I do not expect a response from SPS I just need a witness to the correspondence.

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