BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing has refused to offer us a mortgage modification or any other program to keep our home. They are bent on selling this home that is home to my XXXX minor children. I have been sick and have not been able to earn money. I informed them about it. It will take me time to come up with the funds to make payments. 
I have pleaded with them repeatedly to give me time to make payments or some sort of modification so that I can keep my home. But, they have refused and have sent it to a lawyer for a foreclosure sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Hi, Navient, despite my telling them that I can not pay the outrageous $ XXXX private loan, are calling me XXXX5 times per day. I told them that calling me that many times is not going to make me all the sudden have the money. The person said they do n't care. It is unecessary harassment as far as I am concerned. The bankruptcy laws written for student loans have allowed the colleges to raise their prices exponentially and now an entire generation has fallen victim to their ability to get guaranteed loan money. This is a consumer protection issue. I want the calls stopped. When congress acts to allow for student loans to be discharged in bankruptcy I will go through that process. That is how this will end. They will not be payed on this predatory loan. I took that loan as a XXXX XXXX XXXX who thought that good paying jobs would be available to justify the expense. That has not been the case for me and many people my age, instead there is an epidemic. I am on social security XXXX for my inability to work. I have applied to have the private loans discharged like my federal loans were and they have denied me 3 times. I am saying no to this corrupt government practice of not allowing discharge of debt through bankruptcy, it is equal to debtor prison, it is unjust, and it will be defeated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received an email from my credit union on XX/XX/XXXX XXXX Schools First of California- that my account email had been changed. Went to check my account and someone had been using XXXX to connect to my Savings account, evident through microdeposits and withdrawals. I tried to freeze the accounts with my credit union, but they said they could change all of my accounts except the one that had been compromised, because it held my " stake '' in the credit union. They assured me they would cover any losses, and put a stop payment on XXXX, and told me to keep an eye on it. 

A few days later there were new micro deposits and withdrawals from XXXX. I called the credit union again, and after several hours on hold they told me someone would call me back within five days. I found this insufficient action to protect my life savings, so I asked them to close my accounts. They wired the money to a new account I had opened that day and told me that confirmation of the closed accounts would follow in the mail. I'm not sure if they looked into who accessed my account, but the email address they used was XXXX. They also email bombed my email address the same day they changed my email address in my bank account. 

I'm hoping my identity information has not been further compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a 'permissible purpose ' I am writing this letter. 
I do n't recall applying for credit or several COMPANY'SYou state it yourself on my report. Unspecified I did include some definition of Unspecified. I did not authorize to run my creditFrom the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] '' ( : D Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Im assuming that you either didnt receive my letter I sent on XXXX to this date XXXX over 60 days later I have not received a response about these misleading unverified accounts that are reporting to my credit profile. I understand that you receive thousands of disputes each day but on your website it states to specifically disputes through mail which I did. I demand these accounts be removed immediately and to receive proof that you did an independent investigation on the items that are misleading. Thank you I hope to get a response and information resolved quickly.

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 2022-03-21
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I ordered stereo from XXXX XXXX, and it was paid by Affirm. I reached out to XXXX XXXX  that I did not receive the item and they said the Carrier who delivered said it was delivered and they would not do anything. XXXX XXXX said they will not refund me or send another item because XXXX said it was delivered and shut me out. I reached out to Affirm where I got the loan to pay XXXX XXXX and the did an investigation, they told me it was in XXXX XXXX XXXX  favor and to contact the Carrier who delivered it, I received information from Affirm to reach out to the Carrier which was OnTrack and they said because it took over 6 weeks they can not open a dispute and there was no notes XXXX XXXX ever reached out to me. I did another dispute with Affirm and they said they could do anything to Make XXXX XXXX refund me and I need to reach out to XXXX XXXX I have called XXXX XXXX and still to this day they have not called me. I sent an email and they just say it has been resolved and do not saay anything else. I am not paying for something I have never receive. I have used Affirm many times and now because of this I can not use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall releasing my information to a third party. 1. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until the debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.

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 2017-05-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Original loan was taken  in  XX/XX/XXXX - XX/XX/XXXX .   I  am a   XXXX   and after almost 12 years of making payments was told by my current servicing company that I was put into the wrong loan repayment plan for the loan forgiveness program and only have a few months t oward the ten year loan forgiveness plan.    It was through  XXXX   XXXX  I actually owe more mow than I did when I graduated. I ca n't get a mortgage.   I also received a much higher interest rate than I should have seeing that most student loans are at about  a 3 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX  affected by XXXX XXXX pandemic I was very sick not able to work, speak and eat for several time, My wife contacted credit card banks on my name by phone on XXXX XXXX requesting help with payments assistance with my auto loans and credit card payments because COVID 19 pandemic effected me. Home mortgage and auto loans banks and credit cards creditors help me with this request and agree to put my accounts of a DEFERMENT plan FOR 3 MONTHS I was happy with this. BEFORE BEEN INFECTED WITH COVID 19 I NEVER WERE LATE ON MY PAYMENTS I HAVE 100 % ON TIME PAYMENTS RECORD. all my family got infected with this terrible virus our economical situation was very bad we only can be thinking in how to fill better to return at work nothing more. 
Later I found a very unexpected notice my credit cards. XXXX XXXX, XXXX XXXX XXXX AND XXXX THIS THREE BANKS reported late payments on my credit reports Missing payments on XXXX, XXXX and XXXX I mailed several dispute letter to credit report agencies EXPIRIAN, XXXX, XXXX  and to my creditor but they don't want to correct this wrong information they want me to prove them when I called to request help how can I prove it do I have to record every calls? AT THIS TIME I PAID ALL MY LATE PAYMENTS I AM NOT BEHIND I just want to update my account same status It was before differed payments plan I KNOW I am protected by CARES ACT I LOOSE A VERY GOOD JOB OPORTUNITY BECAUSE THIS WRONG MARKS ON MY CREDIT REPORTS I am looking for legal advice to move this to a court room if this banks don't correct this in 30 days. 
Thanks

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 2017-01-27
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have attempted numerous times to contact Debt Recovery Solutions. There is no address or phone number..Please help .. trying to contact this Collector or Radiology Company with an current correct address or phone Number.

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
Consumer complaint received 2021-01-01
Company: TCF NATIONAL BANK
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is to previous complaint # XXXX closed cuz I didn't reply in time. TCF bank never paid my 2019 winter taxes I had too, They keep sending payment to local city instead of county. So I Iet them know they owed me {$84.00} for tax payment. I received a call from a rep named XXXX that they were only going to reimburse the interest not full payment cuz it came out of error acct not my escrow. I said how was that since my escrow acct was short almost same amount as the tax owed they didn't pay and to show me where its still in the mortgage escrow. She told me she would get back with me. Its been 3 weeks and no phone calls no reimbursement nothing. Now I know this isn't a huge some of money thank goodness but I expect my money returned to me. This bank is handling my mortgage and money and have no problem taking it. I expect some respect of being called and issue taken care of. This has been going on for over six months. There is no real way I have found to contact upper management because unfortunately no other employee has resolved this is. I feel they should be fined and I should not only be reimbursed but restitution made to me for the anguish of dealing with poor banking dealings. Looking to talk to someone in company higher up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: Early Warning Services, LLC
State: SC
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, XXXX XXXX XXXX opened a dispute with XXXX XXXX XXXX on XX/XX/2022. I advised them the information they have is not only inaccurate and unverifiable, I also made them aware I do not give them consent to have any of my information at all. EARLY WARNING SERVICES display person information which includes experiences and personal transactions. Some of which are completely incorrect. All of this is violating me pursuant to 15 USC 1681a ( d ) ( 2 ) Which states the exclusions to a Consumer report. Even after a written instruction of the violations they are committing against me without my consent, they continue to fraudulently report defaming information on my consumer report. I requested EARLY WARNING SERVICES to investigate the information that was being furnished to them by BANK XXXX XXXX, They did not provide me with any verifying documents to validate their data, in fact they sent me a letter stating " We do not have the documents to verify these accounts, please contact the bank '' I called them several times on XX/XX/XXXX, XXXX, XXXX and XXXX of 2022. Asking them to tell me how they verified documents they do not have. EARLY WARNING SERVICES then informed me they did not have access to the documents from the furnisher BANK XXXX XXXX. This makes no sense and is a complete violation. I have been defamed and denied multiple checking and credit accounts because of the information they report without my consent. I then requested an Re investigation procedure description from EARLY WARNING SERVICES pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and they told me on the phone XX/XX/2022 " we do not give you that information because it is our policy '' Which is a violation and fraud. After sending them a written request for this information on XX/XX/2022 via fax and certified mail return receipt. They sent me a response stating " upon review, it has been determined that your dispute does not offer any new or additional information '' EARLY WARNING SERVICES continue to report my information without properly investigating the information furnished to them, they continue to publish inaccurate and personal information about me without my written consent. They continue to ignore FCRA guidelines and damage me everyday they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Maximus Education, LLC dba Aidvantage
State: NJ
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:
on XXXX I received a response to my initial dispute. I just need clarification on the things that they specified in their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX I am writing to delete the following information off 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 the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2021-01-01
Company: Experian Information Solutions Inc.
State: OH
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 sent Experian a letter on XX/XX/2020 in regards to inaccurate and unknown things on my credit report. I disputed this account with all 3 bureaus and it was DELETED from XX/XX/XXXXbecause they could not validate the information reported. So how is it that Experian and XX/XX/XXXXcan validate it, if all the information reported is supposed to be the same for all the bureaus? THIS IS A VIOLATION! My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into the hands of the wrong person. As well as another data breach. And please don't come back saying this is not me because it is IN FACT ME XXXX XXXX. This has been going on for way too long! : - (

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 2020-05-12
Company: FORD MOTOR CREDIT CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
After my car got repossessed, I was left with no secure way to get to and from work. Luckily, I got my student aid around that time and used it to purchase a beater car. When my car got repossessed after missing a few payments to Ford motor credit, I heard nothing from anyone. I wasnt sure that I would ever see my beloved 2018 Ford Fusion again. I put so much work into it and was upset that it had got to this point. I got remote start installed in it, tinted windows, the whole nine yards. I figured that they would reach out to me with what I could do to get it back or at least let me know when the auction was for it but nothing. I didnt find out until much later that they should have told me that I could have gotten my car back and could have been at the auction for it. But at that point my car was long gone. I eventually gave up the hope of getting it back but I got a letter about a year later requesting a balance for {$5600.00}, the first time I heard from them after the repossession, and called them to see what it was regarding. It took me a few tries to get to an actual person but when I did, I was stumped. They told me that it was the remaining balance for my car that they auctioned off. That I didnt know that they did. They didnt even give me a chance to fight for it back when I could have! I put so much extra work into it to make it a perfect car too! Not only did they rip off my chance to get my car back, they are trying to charge me on top of it. I dont even know what to think of this corporation and how corrupt it is. It is clearly not following the laws on this or is really going around them. I hope that nobody else has to go through this but I have no doubt that they do this shady practice with anyone a little late on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
About 41 monthly payments in on a 60-month repayment plan with Citibank. In error, they drafted XXXX payments from my bank account in XXXX ( 3 days apart ). Refund of {$36.00} NSF fee and refund of {$530.00} was approved to be escalated ( XXXX48 hours ) on XXXX/XXXX/16. As of XXXX/XXXX/16, refund has not occurred although I have contacted Citibank multiple times to no avail. Only getting the runaround.

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 monetary relief
Consumer complaint received 2016-08-16
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent experian credit reporting agency evidence that the mortgage has been paid on time back in XXXX they are refusing to remove it from my 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 explanation