BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA un der 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance.  A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2017-06-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have supplied hundreds of documents all attached on several occasions to work out a payment plan, I have offered to pay the company {$2500.00} a month as a fair and reasonable monthly payment plan on my Mortgage, they will not modify, and will not refinance, they are just forcing a foreclosure, the house is underwater. My first mortgage interest rate is 6.5 %, my  Second  Mortgage interest rate is 8.5 %. If the rate was more of the  country wide sta ndard of approx. 4.75 % it would be more manageable. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: CL Holdings LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Jefferson Capital Systems, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened XXXX2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XXXX and XXXX and they would not listen or try to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: Navient Solutions, LLC.
State: TN
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 attempted multiple times to communicate with Navient and receive some help in discussing my repayment options since  XXXX     2015  when I graduated. They forced me into a 10 year repayment without consulting or helping me through it. I have felt really confused and sort of pushed since I graduated with them and now that I saw they were in a lawsuit I realized maybe they could have actually been helpful had they approached my situation the correct way. I would have liked to have my repayment plan discussed with me and I am now a little worried that I am going to be end up paying more than I need on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX  edLoan never provided any documentation of loan repayment information. We were unaware that FedLoan  was our provider as we received no contact from them. Had been paying other student loans with  XXXX  for months as they had been in communication from the time before I was even graduated from college. Have been making those separate loans on time with no proble m. FedLoan has now destroyed my credit rating for delinquency and now they   say I owe all this accrued interest when I did n't even know FedLoan wa s my provider until today, they sent no communication-no letters, no phone calls. An email was on file that they said they were using, however, I do not communicate via e-mail and prefer to not to  do my bills electronically therefore I can not for the life of me seem to understand how they will tell me that I selected e-banking when I would most certainly never do that. In addition, all the several phone calls they insisted they made. Not one of   them did I receive, not a single message. Did not receive any letter notifications telling me my account was delinquent as I had n't been paying. I do not mind paying my l oans, whatsoever, in fact have been paying other ones with no problem. However, how can I pay my loan if I have no loan information and do n't even know who am I am expected to pay? It was n't until I ran a credit report that I realized FedLoan was destroying my credit for these payments I was given no information about. Now it is just their word against mine. FedLoan has several complaints open about them and clea rly I am not alone in thinking their business practices are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Colony Brands, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA und er 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures  designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

Company response to consumer: Untimely response
Consumer complaint received 2021-11-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy showing in public records that does 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 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy showing in public records that does not belong to me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SELECT PORTFOLIO SERVICING IS IN VIOLATIONS OF THE FDCPA 15 USC 1692 - 1692. Congressional findings and declaration of purpose 1692a. Definitions 1692b. Acquisition of location information 1692c. Communication in connection with debt collection 1692d. Harassment or abuse 1692e. False or misleading representations 1692f. Unfair practices 1692g. Validation of debts 1692h. Multiple debts 1692i. Legal actions by debt collectors 1692j. Furnishing certain deceptive forms 1692k. Civil liability BY REPORTING ON MY CREDIT REPORT, CREDIT FILE AND COURT DOCUMENTS THAT THEY " OWN '' THE MORTGAGE ASSIGNMENT TO XXXX XXXX XXXX XXXX, XXXX AND BY MAKING THOSE FALSE STATMENTS TO XXXX, XXXX AND XXXX CREDIT BUREAUS. 

PER SPS THEY ARE " COLLECTING FOR '' XXXX XXXX  XXXX XXXX XXXX. BUT THEY ARE REPORTING " SELECT PORTFOLIO SERVICING OWNS THE DEBT TO THE CREDIT BUREAUS BY REPORTING THEIR BUSINESS NAME WITH NO MENTION OF XXXX XXXX XXXX XXXX XXXX. PER THE FCRA - CREDIT COLLECTOR MUST REPORT 100 % TRUE AND ACCURATE INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a certified letter that the debt they are collecting is not mine and I have gone through this issue already with the original debtor and other credit agencies. I told them to stop contacting me, but they continue to call my multiple times a day at my home, on my cell, to my office ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had numerous conversations with XXXX regarding my account # XXXX XXXX XXXX XXXX - Which was an old XXXX account that was converted into XXXX through XXXX. <P/>They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for XXXX 2017. I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to XXXX and they have agreed to remove the derogatory reporting, yet as of XX/XX/2017 they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the XXXX phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of XXXX and need written confirmation before then that this late payment has been deleted from my credit history once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
When we bought the home on  XX/XX/XXXX  we also received checks around  XXXX   XXXX  to pay off some other bills. Within  two  weeks our company went bankrupt and we had to file bankruptcy also. We still had the checks from Beneficial. Our lawyer and  Beneficial  said to send them back to Beneficial. That is when the problem started. I sent back all the checks to Beneficial but they never took them off of what we owed. I asked to get copies of the checks but to no avail. I told the gentleman I want to keep the house and I wanted it to be reaffirmed and he said ok.   I have been trying to get  XXXX  since  XX/XX/XXXX . My doctor has told me not to work. I am just asking to keep my home. Every since we bought the home it has been a nightmare. There was no home inspection done at the time that we bought the home and we had termites. That was a fortune to get rid of them and now the floors in the living room where the termites were is caving in and we are scared to walk on them. I still feel there is something wrong with the way the paperwork and closing was done. I have asked  Beneficial  to do an audit on our closing paperwork but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2020 I had fraudulent activity on my TCF Bank checking account that caused my account to be overdrawn by XXXX dollars. The activity was reported as fraud. I have called several times with customer service for them to tell me to go to a bank to get the fees waived. Ive explained to them numerous times Im in California and can not simply go to a branch. They refuse to give me my money back for overdraft fees that were not caused by me, but the activity that was fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am submitting without error or influence from any third party or agency. Please see my attached documentation as it contains my request.

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 2020-06-08
Company: United PanAm Financial Corp.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They had the police show up at my house while I was at work and it was at least 6 officers just trying to give me paperwork and was saying if I don't get the paperwork I could be taken to jail for the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, 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. consumer XXXX XXXX  XXXX. I have rights that protect me, and I know that equifax company policy does not have jurisdiction over federal law. upon checking my consumer reports I see that Equifax is furnishing my information without my written consent pursuant to 15 USC1681 ( b ) ( 2 ) permissible purposes. this section states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Equifax does not have my written permission. I demand deletion of the tradelines listed below XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXs XXXX. 
No consent is identity theft. Equifax is committing federal crimes and utilizing my intellectual property with out my consent. Equifax is sharing my personal information name, address, and social security number, account numbers etc. You are a data collection agency you are an alleged bureau, and have no rights. Pursuant to Truth in lending act 15 usc 1601 103 definitions and rules of construction ( b ) BUREAU -- the term Bureau means the bureau of consumer financial protection. I demand that these tradelines be deleted immediately. violation of these laws will result in civil liabilty to 15 usc 1681 o. pursuant to this section any person negligent in failing to comply is liable to any consumer in an amount equal to the sum of any damages sustained by the consumer as a result of the failure, and attorneys fees. deletion of the requested tradelines will avoid me resulting in taking further steps due to nature of the offense that is currently taking place against consumer XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX has contacted my place of employment threatening to serve me with " legal documents ''. When I spoke to them the address they had on file from 2011 was incorrect. I asked them to remail a validation letter and was told no that they can text me. When I stated this was not good enough I needed written proof they said they will see me in court and hung up.
The file number that they provide is non existent, they can not locate any records. When I would not agree to pay without validation the man on the phone became defensive and started threatening me with lawyers.

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 2021-11-13
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: Account information incorrect

Complaint:
XXXX is trying to collect approx. {$8000.00} from me and is reporting to the credit bureaus incorrectly. This company has already sold the vehicle and collected the full amount of vehicle. They told me I had to pay approx. {$1000.00}, but they are billing me and reporting to the credit bureaus stating I owe them approx. {$8000.00}. They are telling me one thing and billing me for another. By law they cant collect the full amount of the vehicle if they already sold the vehicle for the full amount. I spoke to an attorney regarding this issue. I understand I owe about 4 months of payments, but I refuse and will not pay {$8000.00}. They are ruining my credit for a car they already got paid for which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I rented a vehicle from XXXX XXXX XXXX and used my Capital One credit card for deposit only as used an unrelated card for payment. I returned the vehicle on XX/XX/2019 with not further payment required. The initial deposit went away and was no longer pending on Capital One card. 
On XX/XX/2019 I received and email from Capital One stating that a charge from XXXX XXXX  in the amount of {$3000.00} was declined. My card limit is only {$300.00} as I'm establishing my credit. However, on XX/XX/2019 Capital On allowed a charge in the amount of {$2200.00} from XXXX XXXX. I made a dispute and a temporary credit was given. I was then rebilled for {$2200.00} on XX/XX/2019. I have continued to dispute and even sent written letter as requested by Capital One but have been told that XXXX XXXX sent them a bill stating vehicle was not returned until XX/XX/2019 at a location about XXXX miles from my home and original pick up/drop off location. I even tried disputing with XXXX XXXX with no luck since I have misplaced receipt. 
This has cause me to have a balance of {$2800.00} after continued interest fees. I believe this has become a fraudulent transactions and Capital One should never have allowed such a large transaction to go through with a low credit limit in card. Also the fact that 2 different amount were attempted should have been a red flag.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06
Company: Experian Information Solutions Inc.
State: NV
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:
I just started montering my credit and I see that the credit bureaus are inaccurately reporting data about me. Experian has my name listed incorrectly 30times. I have tried disputing with Experian has been refused the right to dispute how my name is reported with them. 

I am very disappointed that these credit bureaus are able to get away with inaccurately reporting data about a consumer. I have been denied credit time after time and I never understood why and now I see why There are several student loan showing up on my report that I NEVER opened. My credit file contains inaccurate addresses to which I have never resided at and this is unethical. 

I am asking that the CFPB steps in and makes sure the credit bureaus does whats right under law

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 2019-12-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On beginning of XX/XX/2019, I started my mortgage refinancing using the IRRRL benefit. I was told by the loan agent that I should hold my payment until the refinancing was completed. XX/XX/2019 I was contacted by a loan agent explaining that in order to move forward with the refinancing I needed to make a payment for the month of XXXX. I explained to that I will be able to make the payment by first week of XXXX. I proceed with the payment, I called pennymac to follow up and I was told that the refinancing was closed due to late payment. Several occasions I explained that the only reason I was late was because of their initial instructions hold the payments until the refinancing was completed. Until todays date they refuse to complete my refinancing nor start any application.

Company response to consumer: Closed with explanation