BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-21
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pressler Felt and Warshaw LLP, located at XXXX XXXX XXXX in XXXX, NJ contacted me via mail on or about XX/XX/XXXX about an alleged debt of {$570.00} and said I was being sued. They asked me for an answer. I did not recognize this debt, so that was my answer, at which time I requested supporting documents to identify the debt, which they failed to send. I also informed them that I was the victim of identity theft and online stalking, which I reported to an FBI agent, to which he will attest. In response to my answer, all I was sent was a court date and asked for proof of who stole my identity. This is deceptive, as I dont know who stole my identity. If I knew, Id be suing them, but they did it through internet phishing and doxing. Pressler Felt and Warshaw is pretending they dont understand this and insist that I report the person who stole my identity. Since they dont seem to understand this and XXXX County gave us a court date on XX/XX/XXXX, I figured I would explain this at the time and provide them with the contact information of the FBI agent Im working with to resolve it. All of a sudden, today I received a letter from Pressler Felt and Warshaw stating that Im not entitled to a trial and that they dont feel I deserve an opportunity to present my case to a judge. Isnt that my right as an XXXX? Furthermore, they had 30 days from the day of my answer to provide me with supporting documents and they finally sent me some ... today. Its been long over 45 days and still, theres no proof of anything. No signatures from me. They just dont want to go to court because they know they are lying and their sheet of facts leaves out much of the above. Now theyre saying I have 10 days to provide another answer or theyll ask for a default judgement. Why cant they just wait until the original court date of XX/XX/XXXX? What are they trying to hide? They know this gives me no time to get a lawyer who will likely win in court. This is all illegal and unfair. I have come to find out there are hundreds of complaints and a class action suit against this Pressler Felt and Warshaw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a response letter from US Bank dated XX/XX/2018. I responded to this letter with all information requested from US Bank and re-iterated my concerns ( see attached ). In this letter, I disputed all mentions of any negative payment status to include late payment information showing up on all 3 of the major credit reporting agencies. As requested by US Bank, I attached copies of the disputed information showing up on the 3 major credit bureau reports. The reason why I am disputing this is that I was advised by a US Bank Home Mtg representative to miss at least 3 payments as a condition to qualify for a short sale of my home. On numerous occasions, I have asked US Bank Home Mortgage to provide proof in the form of a recorded phone conversation with US Bank that I was indeed advised to miss at least 3 payments as a condition of the short sale. US Bank Home Mortgage has still been unable to provide any evidence to the contrary or in support of my concern. I submitted this letter on XX/XX/XXXX and it was received by US Bank on XX/XX/XXXX ( see tracking ). It is now 32 business days later and I have not received a response from US Bank regarding this concern.

Please note that I sent a separate unrelated concern to US Bank which was received by US Bank on XX/XX/XXXX, they sent an auto-generated response of insufficient information dated XX/XX/XXXX ( this response was almost identical to the one I received on XX/XX/XXXX ). I do not consider this a timely response to my concern received by US Bank on XX/XX/XXXX.

As US Bank did not respond to my concern within 30 days, I am requesting they remove all negative reporting / late payment reporting to all 3 credit reporting bureaus.

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 2023-07-12
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-01-24
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Mr. Cooper Mortgage Company Attn : Customer Service Subject : Urgent Matter Mortgage Payment Adjustment Dear Mr. Cooper Mortgage Company, I am writing to express my deep concern and frustration regarding recent changes to my mortgage agreement that have left me in an extremely challenging financial situation. 

I have been a customer of Mr. Cooper Mortgage Company for several years, and I have always valued the professionalism and service provided by your organization. Unfortunately, recent adjustments to my mortgage payments have put me in a difficult position that I never anticipated. 

The initial agreement we entered into for a 3.5 % refinance package, sent at the beginning of this tumultuous period, seemed to be a viable solution to my financial needs. Regrettably, I have observed that the terms of this agreement were not honored, and my mortgage payments have now increased to an unmanageable {$3900.00} per month at a 7.5 % interest rate. 

As a result of this significant financial burden, I find myself unable to cover essential expenses such as utilities, my car loan, insurance, and even basic necessities like food for myself and my dogs. I am currently on XXXX XXXXXXXX, receiving {$1300.00} a month, and my car loan alone amounts to {$1000.00} monthly. This situation is unsustainable, and I am struggling to comprehend how I am expected to maintain a reasonable standard of living under these circumstances. 

I understand that economic conditions can change, and adjustments may be necessary. However, the lack of proper guidance and information from your company 's representatives has compounded my difficulties. Given the severity of my financial predicament, I have filed for XXXX XXXX XXXX 

I am reaching out to you in the hope that we can find a solution to this matter before taking such drastic measures. I request a thorough review of my case, taking into consideration the initial terms of the 3.5 % refinance package that was proposed. I am willing to work collaboratively to find a payment plan that aligns with my financial capabilities and preserves my ability to meet essential living expenses. 

I appreciate your prompt attention to this matter and look forward to a constructive resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

My lawyer info is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX : XXXX XXXX F : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am a consumer as defined under 15 usc 1602 ( i ) and " On XX/XX/2023, I applied online for a line of credit. XXXX which is issued by Wells Fargo , N.A., pursuant to a license from XXXX XXXX immediately denied an extension of my credit. This is XXXX violation of ECOA/Regulation B, by denying me and further discouraging me from applying for an extension of my credit. '' In good faith Without Prejudice By : 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 2023-07-12
Company: Experian Information Solutions Inc.
State: OK
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$350.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$2100.00}

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 2023-07-05
Company: EQUIFAX, INC.
State: OH
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 was applying for a loan to buy a car and the company contacted equifax for my credit rating. I was unable to buy the car because of problems on my equifax report but I did not know at the time that Equifax had refused to " accept your obligation if the transaction was completed. '' I did not notice this until I received a report from XXXX XXXX. I was shocked to find in the report " Too few accounts currently paid as agreed. '' The latter baffled me because I have consistently paid my credit card bills on time, and for the most part I pay off my balances monthly and my credit score on their report was XXXX. 

I called Equifax to try to get more information and was told that " too few accounts currently paid as agreed '' no longer showed up on my credit report. The person I spoke advised that I could pay {$20.00}. per month to get credit reports so I could monitor and respond regularly to my credit report. I declined the opportunity to pay the credit agency to make my reports accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Williams & Fudge, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Williams and Fudge Inc about a debt that I owed to XXXX University. I was told that I could settle the debt of XXXX for half XXXX. I made a payment of 2000.00 on XX/XX/XXXX and it was processed on the XX/XX/XXXX. I made the additional payment of XXXX on the XX/XX/XXXX and it was processed on the XX/XX/XXXX. I was told that I would receive a written statement that my account had been settled. Today on XX/XX/XXXX I was told that the second payment of XXXX was not received and it was returned and I would have to pay it again. I reached out to the bank the card was from and they provided me with documentation showing that they still had the payment and it was not returned. When I spoke with the company the person I spoke with did not give me any reliable information, she told me that she saw I spoke with a person and made the payment for the remaining balance but it was not there and she didn't tell me who to speak with or explain to me how or what happened. The only thing she told me was I would have to pay the additional amount for it to be settled. I have attached the account balance showing the XXXX I paid from there site, the XXXX payment from my bank when it was made and when it was posted, along with the original email when the settlement was established.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Affirm Holdings, Inc
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I used Affirm multiple times and have never had an issue but this XXXX purchase. I purchased a product from XXXX using affirm and I didnt receive the product. The product was said to delivered but was not. XXXX did not ring my bell or alert me to any delivery that day. Instead I am told it was left downstairs in front of my building where it can be accessed by anyone without a key. I purchased this on XX/XX/2023. I have been going back and forth with XXXX and affirm explaining to them I have never received the package. The company did an investigation and took XXXX word that they delivered. I have had numerous deliveries with no issues and have used affirm and XXXX a lot. The XXXX time I have an issue they are unwilling to support in this matter. I shouldnt be responsible for a package that wasnt received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2016-08-12
Company: Navient Solutions, LLC.
State: VA
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:
I am the co-signer of a Navient ( formerly XXXX XXXX ) student loan for a family member. The loan balance is {$71.00}. I would like to be released from this loan, but Navient requires that the borrower initiate the process. I find this strange because Navient considers this " my loan '' and has harrassed me in the past, when the borrower was late or they needed updated information on the borrower. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
For the last two years I have been battling with Navient and their payment policies. I put in to defer my payments twice and Navient failed to tell me about the {$50.00} " security deposit ''. Also every time I got off of the deferment plan, Navient charged me as though I had n't paid for months. It XXXX my credit each time. And I had to contact them incessantly after each episode of this. I 've informed them and tried to solve it on my own but my credit never got better.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: FL
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2022-11-08
Company: Tower Loan of Mississippi, Inc.
State: AL
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 have been trying since XXXX of 2020 to explain that my identity was stolen and to get this information removed from my report I submitted police reports and action still have not been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Consumer Portfolio Services, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am disputing the fact that Consumer Portfolio Services still says that I owe a balance at the end of my loan. I attempted to send a certified letter to CPS on XX/XX/2022 as instructed on their website and the form that is provided for official disputes. This letter was returned by the post office on XX/XX/2022 with a stamp saying that the address that was listed on the letter and envelope was an insufficient address. I have provided a scanned copy of the letter when it was returned to me today. As you can see by the letter that was included, I used the address as instructed on the form. I also listed the contract for my vehicle. If you look on the second page, Section 1 C : Finance Charges and payments ... .. How late payments or early payments change what you may pay .....

. " we based the finance charge, Total of payments, and Total Sale Price shown on the front on the assumption that you will make every payment on the day it is due.

Your finance charge, total of payments, and total sale price will be more if you pay late and less if you pay early. Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment with a smaller final payment. We will send you a notice telling you about these changes before the final scheduled payment is due. '' My original final payment was due XX/XX/2022 ( see attachment ). Consumer Portfolio Services did not send any notice regarding how the additional changes, if any, would be handled-per the contract. I, therefore, declare that there were no further charges and request the title to this vehicle. 
This has caused great stress to me. I have XXXX, XXXX, and XXXX and it has exacerbated symptoms that I thought I previously had under control. I have tried contacting CPS per their instructions but have not any any success. 
Arbitration is what is listed for a dispute, but I have also included a copy of their arbitration form and as one can see, it has the same address as the form that was returned for insufficient address.

Company response to consumer: Closed with explanation