BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On Sunday XX/XX/XXXX XXXX XXXX informed me that a new account had been opened under my name. On Monday XX/XX/XXXX I received a BP Visa Card in the mail. On Monday XX/XX/XXXX I filed a dispute with XXXX XXXX. On Tuesday XX/XX/XXXX I received a letter from SYNCHRONY Bank asking for confirmation that I had opened a BP Visa account. On Wednesday XX/XX/XXXX I called the Bank and they opened a fraud account, they closed the account and said that they would sent notification to the credit rating companies.

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 2018-07-13
Company: EQUIFAX, INC.
State: IL
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:
ON XX/XX/2018 I CONTACTED EQUIFAX IN REGARDS TO FIVE FRAUDULENT ACCOUNTS THAT APPEAR ON MY CREDIT FILE. IN ACCORDANCE WITH SECTION 605B OF THE FCRA I WOULD LIKE TO HAVE THESE ITEMS BLOCK FROM MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: AR
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:
EXPERIAN, XXXX, XXXX FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.

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 2018-10-30
Company: FC HoldCo LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
1 ) Acting as a 3rd party collector not bonded and licensed to do so in the State of Tennessee. See Exhibit 1 2 ) Car Was a voluntary repo in Colorado XX/XX/XXXX and UCC Code 9-506,9-611,9-612, 9-613 all violated as they intentionally sent the letter notice to sell to an address that terminated in XX/XX/XXXX so we had no chance to rectify the situation. See Exhibit 2 Then they sent distribution letters back to the correct address. Exhibit 3 3 ) The letter was written by me notifying them of UCC code violations. Exhibit 4 4 ) Exhibit 5 Letter from the full of false dates of purchase and from wrong companies. 5 )  Exhibit 6 Standards and poor documentation stating that XXXX XXXX will function separately after the merger backing up the fact that XXXX is functioning as a 3rd party collector and unlicensed to collect in this state. 6 ) exhibit 7 shows a statement pay off letter dated on XX/XX/XXXX for XXXX showing total amount due. yet credit reports show in default over 13k

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 2018-10-29
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received two collections letters from XXXX XXXX XXXX ( aka XXXX XXXX ) on behalf of U.S. Treasury. I promptly wrote to them and provided evidence of identity theft for data services. Instead of addressing the issue, they processed my information as a " inability to pay due to financial hardship '', and mailed me a 5-page financial statement form to complete.

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 2022-01-07
Company: Service Finance Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
This is in response to XXXX The documents that you provided do not show what I am requesting. 

I am requesting a detailed work scope. Our issue is that the contract we have shows materials and room dimensions that were not completed. The contract that XXXX supplied to Service Financial is different from what XXXX provided me with. We need to see what XXXX supplied to Service FinanciaXXXX in respect to detailed work. 

I am also requesting the signed agreement with service financial between the homeowner, myself and service financial. 

Also, just to confirm, Service Financial is claiming they left a voicemail on XX/XX/16 to approve the funding of the loan? I never received a voicemail and only called Service Financial once I received the first bill. I was confused as to why I was being sent bills while the contractors were still in my house. It was around this time that XXXX became very hostile and threatened multiple times to quit. 

Is there a recording of this voicemail that was left on XX/XX/16? What phone number was called? 

At the end, XXXX was unable to complete the project based on the agreement the I had signed with them. ( Ie room sizes, ceiling heights, custom mirrors, shower bench, shower nooks, toilet placement, lighting fixtures, etc ) There were to be major adjustments at the end with everything they failed to do ( as mentioned on the XX/XX/XXXX, XXXX email ). I expected a substantial refund from XXXX as the contract, building specification, and time deadlines were not followed and they knew we were going to have to hire another company to complete the project to our specifications. 

I stopped talking to them when they had the audacity to show up at my house, after dark and start demanding money. If XXXX truly believed that I owed them for the sub-par work, they could have easily put a mechanics lien on the property. They know they did not complete the job as promised. They owe me and the homeowner money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
2008 FHA loan for first time buyers included tax and insurance on payment. 
XXXX on small 2 bedroom home. FHA inspector committed fraud on inspection and did not report rigid copper used for gas line going to dryer. Home also had bad sewer line not reported by seller or inspector. Next we did a loan to change the way the taxes and insurance were paid but they told us it would stay the same lying to us about what is actually done on a home loan and failed to tell us it would not be FHA but bought by the bank and the whole payment went to them instead of paying off the home. Failure of full discloser by PNC bank is illegal and we want them to pay for lying to us about the loan and also it was only suppose to cost XXXX dollars to switch to the new mortgage to keep it the same on FHA but with us paying the taxes and insurance. The loan officer lied to us changing it to a home equity account without us being told where the payments went or about the change from FHA to their bank without our knowledge and their failure to disclose this to us at the time it was done. They also illegally kept the spouse off the deed and under the law they have to be included even if they aren't on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: AES/PHEAA
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) for the amount owed to the original creditor ( National Collegiate Student Loan Trust,  {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, XXXX XXXX , XXXX, was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at XXXX stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient continues to harass me day and night. I tried to explain to them that I lost my job in XXXX and could not pay right now, but they call numerous times per day. So far, today along, XX/XX/18, they have called me 7 times and it's only XXXX. They harass me and my ex-husband who co-signed. I am not getting anywhere with them and they have also over the years never told me that when you did a deferment or forebarance that the interest would stack up. This goes for my private and public loans. My total loans started out at around 80,000 and are now just under 150,000. I even called XXXX XXXX XXXX at one time because the harassment wouldn't stop. I don't know what to do with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 XXXX XXXX XXXX XXXX XXXX ( XXXX ) placed {$4200.00} in collections without notifying me about the debt, attempting to take the debt from my bank account, etc. I learned about it because my XXXX  credit card closed due to a " serious delinquency ''. My Transunion credit report shows that my XXXX account is in collections. My credit score has fallen more than 100 points because of this error.

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 2017-06-29
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a request to modify my loanXX/XX/XXXX to M & T Bank via XXXX XXXX XXXX because I was having financial difficulty. The modification was not completed until XX/XX/XXXX and the foreclosure process was initiated in XX/XX/XXXX. The loan company did not allow me to stop the modification process and enter to a re-payment plan. They stated that I was still in good standing and the loan modification was ready for completion in XX/XX/XXXX. However, the company continued the loan modification process requesting the same paperwork numerous times and allowing critical paperwork to expire. Missing documentation letters they claimed to have sent to me were not sent but manufactured after the fact. I have requested that a list of dates that requested documents were received and scanned to compare them to these documents. I believe it would show that the documents they claimed were not received were in fact in their possession. After assuring me I would not go into foreclosure, the foreclosure process had already begun. The company refused to send this info as it would show that the missing documentation letters were addressed in a timely manner and the delay was on the part of XXXX XXXX XXXX. When the trial modification was complete, the loan was higher than the previous loan I was trying to modify. I was ordered to pay {$470.00} instead of {$440.00} per month, a net increase of XXXX and I also have to pay {$4700.00} in foreclosure fees, which could have been avoided if the organization would have been able to process information for the loan modification.

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 2017-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I moved to XXXX from XXXX I contacted Countrywide and told them that I had {$61000.00} and needed to buy a home. I had an appointment to meet a lady at the XXXX XXXX XXXX. I was on XXXX, and had just gotten a job as a XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX. I gave them my information in a week I got the home. In XX/XX/XXXX or XX/XX/XXXX I was given information on direction on where I was supposed to meet them also the bank information with a cashier 's check of more than 61,000. The first mortgage payment came in shock I contacted countrywide to let them know that the payment was too high for me that I do n't make that much, I was transferred from telephone lines to lines to avail. after two years of struggling borrowing money from family members and friends until I could n't get anymore. In XX/XX/XXXX I was served with foreclosure I was referred to many people for help including XXXX XXXX XXXX which I paid {$400.00} plus a month till XX/XX/XXXX They never helped, they always dismissed all of my request for help I never know who my lawyer was. In XX/XX/XXXX I filed for bankruptcy with another lawyer my home was included in it, after maybe a couple of month bank of America removed itself from the bankruptcy I asked for a modification during the hearing mediation, bank of America told me my lawyer and the mediator that I was not qualified, they do not participate in the Obama assistance program the only thing they can do for me is that they will sell me the home for {$190000.00} but I have to give them {$30000.00} down if I can not give the money they can not help me because I 'm qualify for the modification. I told them it was the same money that I am making now that I purchased the home I never got a raise. they said no and sold the home to itself. My last day to leave my home is XX/XX/XXXX I have no money to rent and they were not going to help me financially if I do n't moved the sheriff will put my stuff out on the street. I am left homeless because I trusted countrywide. Also Bank of America has my daughter 's name XXXX XXXX in all legal documents in which my daughter has nothing to do with the mortgage and the foreclosure that is not right when I purchase the home my daughter was a child I do n't think it 's fair to do that. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It seem like Nelnet is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Nelnet claim that I own them money. They have not seem any proof or validation this debt. They have not given me the address and name of the original. They are putting false information on my credit report. I really believe that Nelnet being discriminated against me because I'm a XXXX male.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: MO
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 asked Experian to look into getting an error on my credit report removed. They did an invistigation for only 6 days and instead of fixing the error they made it worse and lower my score even more. I am very unhappy with the results, not to even mention the customer service was awful. Trying to get them to reinvestigate was like pulling teeth. I will never recommend using Experian to do anything, that was a joke.

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 2017-06-29
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
After numerous repossession of my vehicle I have paid every fee that was owed my vehicle was repossed 3 or 4 times and paid every fee that was owed then the last one that was paid had paid off the vehicle however Santander put in the credit breau that the car was repossed but I still got the car I had them send me the whole report if my payments and was paid off but never received the title or pink slip and I would like that sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: RAB PERFORMANCE RECOVERIES, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2018 I received a " Notice to Defendant '' that a judgment was entered against me for {$12000.00} and threatens to come into my home seize my property for auction. This was made in the town of XXXX XXXX, NJ ( which I do not live or never lived ). The plaintiff Rab Performance ( of  which I have never heard of or have had contact with the company or any of its representatives ) never contacted me before this lawsuit. The amount of debt they are trying to collect is not my debt. I know the debt that I have. I keep a close watch on my credit report as I am paying off debts to raise my credit score. This debt of {$12000.00} is not on my credit report, has never been on my credit report and is not my debt. On the court notice my name is incorrect " XXXX XXXX XXXX '' This has NEVER been my name. I would like for Rab Performance to redact this lawsuit judgment, because this is not my debt. I can issue my credit report to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Ingo Money, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Ingo money, XXXX XXXX, serve acct # XXXX XXXX XXXX Porte acct # XXXX XXXX XXXX XXXX ( closed now ) Been using Ingo money for years paying 5 % and now refused to serve my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For one year I have requested information and answers only to be talked down to, humiliated, degraded, and then told that the office of the president at Wells Fargo no longer handles assisting borrowers with saving there homes, the modification process and financials you would need to contact a different department. My question is, why for the 1 year that I asked for a modification package, short sale or deed in lieu package was I NEVER TOLD THEY DIDNT HANDLE until after the fact. Maybe if I knew this I would have sent the information in 8 months ago, maybe if I was told not to worry about the foreclosure because I was working with the XXXX I would have gotten ahold of someone else way back when. It was n't only about the other issues It has always been about saving my house!. XXXX states well I told you in my last letter we did n't handle it and where to fax, really you just got involved, what about the last person for 8 months that said nothing! I am sorry what have I been doing for one year, you wait until its in the last legs of foreclosure to say oh hey we do n't do that here. Wells Fargo and its employees have no empathy, no compassion and sadly make excuses and blame the borrower, they will continue to skirt around the issues and make homeowners continue to lose there homes. I am uploading the same financial package I have faxed over to Wells Fargo hoping it gets in the hands of someone who wants to help people. The rep 's do n't know our stories nor our situations, so passing judgement and making a person feel worse then they already do about there situation is sad. Also, for the title issue, its not resolved. Nor is anything else.

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