BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: GREAT LAKES
State: GA
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 graduated in   XXXX   and promptly consolidated all of my student debt into an income-based repayment plan. My original consolidation loan with the Dept. of Education was sold to Great Lakes. For the past six years, Great Lake has refused to recognize that I have a consolidation loan. They say that " We have put you into a standard repayment plan. '' and then want me to sign up for a NEW consolidation loan. If I do that, the terms of my existing loan will be negated, which I do not want to give up. Great Lakes says they do n't have a copy of my original promissory note, which I do have a copy of and have sent them. They STILL refuse to accept my existing consolidation loan. My original student debt was {$60000.00}. In 7 years they have added so many penalties and interest that today (  XXXX   XXXX  ) I owe more than {$80000.00}. I will never be able to pay this off. They list my loans as defaulted, which mean I will never be able to buy a house, get a credit card, or improve my credit rating. This has RUINED me financially. I have attempted many times to talk to Great Lakes and sent them copies of my promissory note, but they refuse to abide by the terms of my consolidation contract. I tried the federal student loan ombudsman, but that was as a complete waste of time. I have lost any hope of ever repaying this or getting help to resolve the dispute. Great Lakes simply refuses to acknowledge that I have a LEGAL, BINDING, EXISTING consolidation loan and only wants me to sign up for a new, higher-interest loan with them. I 've given up and just accept the fact that I am financially ruined for life .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit profile on XX/XX/2023 i identified numerous discrepancies with accounts reporting on Transunion accounts. I sent certified letters to Transunion on XX/XX/2023 concerning these discrepancies and fraudulent inquires and the accounts continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. According to 15 USC 1692e has been violated. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all the discrepancies is corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit report and I could not believe the items that was there. I had no knowledge of so many accounts! It was amazing to me. I always heard that this type of thing could happen but did not think it could happen to me. I reached out to the creditors to clear my name and they would not move, but instead they asked me for money. These Please help me to resolve these very costly mistakes. They are preventing me from living the life I have worked so hard to obtain. There are several accounts including Credit Control Services. I have no knowledge of any progressive account that I 've ever had and this is not my debt. There is a frontier communication account that I have no knowledge of. Please me to resolve these issues as well. Many inquiries and I am just sickened when I see so many knowing that I never authorized them. Please help!
There are inquiries from   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  , and  XXXX . Please let me know how these companies have the right to place inquiries on my account with no authorization. Please just help me to resolve these errors.

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 2023-10-07
Company: ACS Education Services
State: WI
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 contacted XXXX and my current servicer, XXXX, about an error in my national student loan data file. My federal undergraduate and graduate loans were rolled into a federal consolidation loan with Conduent on XX/XX/XXXX. One of my previous loans ( XXXX XXXX XXXX XXXX XXXX ) serviced by XXXX  ( loan XXXX ) was coded incorrectly as Paid in full ( PF ) instead of Paid in full by consolidation ( PN ). I have spoken with supervisors at XXXX, XXXX, and XXXX. Each call has lasted 3-4 hours due to high call volumes and multiple transfers. I am awaiting my loan history document request to be processed, they are having difficulty processing requests in a timely fashion given the overall burden on the industry associated with the end of the repayment pause. 

I have reviewed my loan history and analyzed it with respect to the guidance on the one-time account adjustment guidance published on the Department of Education website ( XXXX XXXX XXXX  ). I have made 306 of the 300 payments required for forgiveness under IDR according to the new rules. 

**If the status of the above referenced loan had been coded correctly, I would have been granted forgiveness on my {$150000.00} in loans with the first wave of borrowers on XX/XX/XXXX. ** Not only should I not be required to make the {$340.00} monthly payments on this loan, I should also be receiving a refund for six payments. 

The loan status error in my file is among the many errors Conduent was ordered to remediate after the XXXX CFPB investigation into their unfair and incompetent servicing practices. Before that, I was a victim of Conduent 's unfair practices, going in and out of forbearance dozens of times when my wife and I were unable to afford our {$2500.00} in student loan payments each month, when Conduent should have advised us of our eligibility for IBR, that would have cut our payments by XXXX 

This is a very important financial issue for our family. I have asked for my case to be escalated to the XXXX ombudsman and have not received a reply yet. 

It should not be this difficult to get this status updated. I know that the Biden administration is very motivated to forgive as many loans as possible as quickly as possible, but these administrative challenges need to be handled in a more efficient and rational manner to achieve this. I am very hopeful that you can help me get this corrected as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had deposit a  XXXX  check towards the auto loan and it stated my next due date will be   XXXX   2020 but now they adjusted the loan without my knowledge and say my next payment is due next month. I no longer have a car. The Gap coverage refuse to pay there part on the loan. They have not reach out to the insurance company. I have been doing all the work and stressing out over them paying there part for this auto loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Resurgent Capital Services L.P.
State: IL
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 writing in response to your recent communication regarding the debt collection for my account under the name of XXXX XXXX with the account number XXXX. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Specifically, I am requesting the following information : The amount of the debt owed The name of the original creditor The date of the last payment made towards this debt Proof of your authority to collect this debt Please note that until I receive the requested information, I am unable to determine the validity of this debt. Furthermore, I dispute the debt for the account number XXXX on the basis that it has been legally paid in full for less than the full balance. 

I also dispute the debt for the account number XXXX on the basis that it is seriously past due date and has been assigned to an attorney, collection agency, or credit grantor 's internal collection department. I request that you cease all collection activities until the requested information is provided and the validity of the debt can be determined. 

I would also like to request that any communication regarding this debt be done in writing, and that you cease any phone calls to me regarding this matter. Please be advised that any further contact that does not comply with the FDCPA will be considered a violation and I will take appropriate legal action. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
> Two ambulance rides were provided for a Veteran on  XX/XX/XXXX  by   XXXX   XXXX   of Indiana.
> Two claims were submitted to the VA for payment : #  XXXX  and #   XXXX   > VA paid #  XXXX  o n   XX/XX/XXXX in amount of {$300.00}. EFT #  XXXX  VA paid #  XXXX  on  XX/XX/XXXX  in amount of {$290.00}. EFT #  XXXX  >   XXXX   XXXX   claims to have no record of payment for #  XXXX  ; and sent Credence collections agency to seek payment from the Veteran directly. Previously, another collections agency was also hired to seek payment for both claims from the Veteran.
> Despite being given the Electronic Funds Transfer number, the Tax ID to which it was paid - #  XXXX  and the bank account to which it was transferred -  XXXX  Acct. - XXXX ,   XXXX   XXXX   refuses to acknowledge payment and has only placed this account " on hold '' rather than closing this claim.
> As a result of this process, the Veteran has suffered severe stress and has had his credit damaged for a debt that he was never responsible for and a debt that was satisfied by the VA as documented.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I wanted to close my Capital One Account in   XXXX   2017. So I refinanced my car with   XXXX   XXXX   XXXX   XXXX   and they got a pay off amount on my account which Capital One received on   XXXX    XXXX , 2017. I received a phone call today stating that I needed to check my account because it was past due. Come to find out Capital one has been charging me interest and late fee charges on an account that was closed. I never received a notice or statement for the months of  XXXX   XXXX  or  XXXX  2017. I checked my account on line on  XXXX   XXXX , 2017 and my balance was   XXXX   and the account stated closed. This has impacted my credit report as I am now 50 days late. I Spoke with   XXXX   at Capital One who has stated that they would reverse the charges and give me a  XXXX  balance as on  XXXX   XXXX , 2017 and would reverse the late notice on their accounts and with the credit reporting agencies. I do not have my credit card but it was a   XXXX   XXXX    master card ending in  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am already being garnished in my wages at 15 %. I am repeatedly hounded by phone to make rehabilitation, which I have agreed to twice. Both times, they say they ca n't collect from my bank even though the funds were available in my account. This collection agency is consistently harassing me, although I 'm already being garnished. I have tried repeatedly to follow their measures, to make rehabilitation. On  XXXX / XXXX /2017, I agreed to make payments for loan rehabilitation in the amount of {$38.00} each month, drafted from my bank account. One payment was drafted and then never again. I called to ask why and when the payment would occur, and the collection agency was elusive and belligerent. This has happened twice. I have signed up for rehabilitation and they draft my payment for the first month, but then never again, blame it on me. and keep collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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:
I have been in dispute with Equifax for almost a year about these fraudulent disputes inquires. They have lied numerous times about receiving my documents when they have received them. The FTC reports are attached to this email. So it's no excuse that they can't remove these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Westlake Services, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-07-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have made   XXXX   XXXX   withdrawal, amount :   XXXX   XXXX   on coinbase.com on   XXXX   XXXX   2017.
Coinbase website says : " Your  XXXX  will arrive by the end of day on Saturday   XXXX   XXXX  , 2017. ". It did n't. Transaction is still in 'pending ' state.
I have contacted coinbase support on   XXXX   XXXX   but did n't get any help. Money is still not transferred to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 non-monetary relief
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed several hard inquiries on my Equifax credit report. Equifax keeps stating that inquiries are a factual record. My argument is that the inquiries were not authorized by me and are fraudulent. i sent the request to have them disputed and removed along with my official police report. if an inquiry was not authorized by me than how can it be a factual record on my report under my identity. Equifax is causing me damages by continuing to report those inquiries which has caused my credit score to drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2021-03-27
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The student loan service provider for XXXX XXXX XXXX XXXX XXXX, University Accounting Services " upgraded '' their site a few months ago. Before their site was XXXX and now it is XXXX. The old site looked about the same and ran very fast. The issue I've been dealing with is that they have put absolutely no effort into making sure that this new site runs properly. Pages consistently take more than 10 seconds to load, if they do at all. And most importantly, I can't download any of my statements or tax documents. I can't file my taxes because I can't access the document via their website. 

I'm a software engineer, so I am well aware of how these sites work. My internet connection is about 400mbps, so I'm sure it's an issue on their end. Their use-case is not that complicated or computation-expensive. There is absolutely no excuse for their website to run this slowly. They need to invest some of the interest they're making on my education into at least using more servers. I am filing this because this issue has been going on for months with this company and they have done nothing to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Mortgage Research Center, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Veterans United is unethical regarding how they apply additional funds paid in conjunction with monthly mortgage payments. Specifically, they are keeping the money from being applied to principal to reduce overall mortgage debt in a timely manner. 

XXXX XXXX - A detailed review of my account with VU servicing shows more than 12 months of extra payments being held as " Unapplied Funds ''. When I called the service center the agent told me that it was a VA Policy to do so in the best interest of XXXX XXXX veterans. I know this isn't true, so eventually I got a manager to admit that it is a VU policy, and that if I want to change it, I have to submit additional paperwork to have my extra payment amount applied to principal. 
I also called the VA Regional Loan Center - the VA Loan advisor that I spoke with said this is very unusual and should be immediately challenged and changed through a complain with the CFPB. 

After researching VA Servicer Handbook M26-4, RESPA guidelines , TILA, and 38 CFR 36.4311, it seems to me that VU is skirting the actual law and additional regulations in order to retain these extra payments without informing their customers. As a financial matter, these extra funds are likely providing returns to VU that are not being disclosed and/or shared with the Veterans who have made the extra payments. I'm not a lawyer, but if it isn't strictly criminal or a violation of regulation, the action is definitely unethical.

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