BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-08
Company: Conn's, Inc.
State: AZ
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:
Regrading this account CONN CREDIT CORP XXXX. I believe that I may had been 28 days in XX/XX/2018 but not 30 days late. In regards to XXXXL XXXX XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to XXXX XXXX. I may have been 29 days late in XX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent several letters to XXXX, Experian, and XXXX to clean up the inaccurate names and addresses on my credit reports more than twice and they still not have been deleted. I also requested that a two inquiries that I did not make be removed as well and they were not. I am escalating to CFPB in order to rectify the situation and have the inaccurate information from my credit reports deleted. 

Inaccurate Name ( XXXX XXXX : XXXX XXXX XXXX Inaccurate Addresses : XXXX ROCK XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Experian Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX   Inaccurate Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX SUMMIT XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Unauthorized Inquiries : XXXX Bank - XX/XX/2018 XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018

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 2018-06-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
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:
I have spoken to company, Bayview Loan Servicing , LLC. about this incorrect information on my credit report on or about XX/XX/2018 also sent an email on the dated XX/XX/2018.This information was sent to ATTN : Customer Service and XXXX XXXX my account representative for # XXXX. 
Bayview Loan Servicing stating that the company has decided to make XXXX XXXX XXXX XXXX, ( who is primary on this loan ) to make myself XXXX XXXX XXXX ( second position ) co-equal on this loan as of XX/XX/2018. Bayview has put a {$19000.00} arrears on my credit report although I have been making consistent payments on this property for over 10 years, but there is not foreclosure on property. 
I hav n't received a payment coupon book in 10 years for this loan. The interest is 10 % on this loan. My loan was at 2 %, what happened? 
I believe this was done out of retaliation due to me refusing to refinance the loan with this company after, XXXX XXXX asked me four times in the same phone call. 
Thank you, XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chrysler Capital is reporting inaccurate late payments on my credit report. I had requested an extension on my payments, and have the documentation to proof so. I should not have lates reporting on my credit and I request that Chrysler report payments as agreed. I should not have any lates for XX/XX/2020 and XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
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: Was not notified of investigation status or results

Complaint:
The credit bureau refuse to investigate or give me a credit report on the status of my disputed accounts 1. XXXX XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Keith D. Weiner & Associates Co., L.P.A.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have made several attempts to resolve the issue with the XXXX XXXX XXXX XXXX and The Office of the Ohio Attorney General Collections Enforcement Section. I completed my degree from XXXX XXXX XXXX XXXX ( XX/XX/2003 ). I was enrolled at XXXX XXXX XXXX XXXX for one year after that date. After leaving the university, I completed the necessary paperwork to consolidate all my student loans with XXXX XXXX XXXX department. Several years passed, and I tried to obtain my official transcripts from the institution to obtain full time employment and complete my terminal degree. At this time, I was told that I owed a balance. I didn't receive any notice allowing me time to make payments on this loan. The financial aid department kept giving me the run around concerning this issue. They told me that they couldn't help me because they sent it to collections. I never received any correspondence stating that the loan wasn't included in the rest of my student loans. Additionally, I contacted the Ohio Attorney Collections Enforcement Section. I am also getting no resolution from them. They told me that the loan could be included in a consolidation with my other loans. This still hasn't occurred and I am still being blocked from receiving my official transcripts from XXXX XXXX  XXXX XXXX. This is causing on negative impact on my life. I can not obtain employment in my field. Additionally, I can not completed my XXXX degree because they will not release my official transcripts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018 my husband and I were interested in purshasing some XXXX XXXX concert tickets so we could bring our daughter to the concert. So we went to XXXX and found 3 tickets that seemed reasonable priced. We communicated with the seller and they explained that they could not attend because their daughters got in trouble and that they were not going to reward the daughters and were just interested in selling the concert tickets. So they said they were about 3 hours away from us and asked us if we would be willing to send the money through XXXX and we said no that is way too risky and we got scammed using XXXX so they said would we be willing to send the money using XXXX through our bank of Wells Fargo. And we thought well surely if anything went wrong our bank would protect us. So we sent the {$160.00} to this person and they were suppose to send us the concert tickets via transfer using XXXX. Well they never came and we tried contacting the seller afterward and they never responded again. So we went to our bank and they said sorry because we willingly sent to the money hat there was nothing they could do. So they gave me XXXX   costumer number and I filed a complaint with them and I have never heard from them and it has been 10days and they said someone would get back to me within 2 day. That is basically what happened.

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 2018-09-13
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free Equifax credit report online at XXXX on XX/XX/XXXX but the website responded " Online Delivery Unavailable ''. Again I requested my free Equifax credit report online at XXXX on XX/XX/XXXX but the website again responded " Online Delivery Unavailable ''. I don't understand this because Equifax DID deliver my free report ONLINE back on XX/XX/XXXX. Also, I never have a problem getting the reports online from XXXX and XXXX. 

Equifax says alternative is to request my report via USPS Mail. I do not wish to send my sensitive private data via USPS Mail as required in the request. Nor do I wish to receive my sensitive private data ( the free report ) via USPS Mail. Privacy issues. 

Bottom line, I can't get the Equifax report online, while I CAN get them online from both XXXX and XXXX. 

See attached screens related to Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
America First Finance failed to provide an invoice clearly detailing amounts owed with outstanding balance and failed to clearly identify the type of financing applied for in their marketing. On two phone inquiries, following the mattress purchase when no statement or invoice was received, I was verbally informed that my account balance was {$0.00}. The company drafted my bank account every month since purchasing the mattress, yet increased my balance to a default rate. Further, the company at XXXX XXXX - failed to disclose the rental- purchase terms. It was my understanding that I was applying for product purchase financing not a rent to own agreement. 
When no invoice was received and the company from whom U purchased the mattress went out if business, I assumed administrative delays for the lack of loan disclosure. Never could I have imagined that my account could ever go unto default status with regular monthly payments and no provision of a monthly statement of account. This company 's practices are deceptive and fees are at usury rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Mr cooper/ Nationstar took 7 ACH payments out of my account causing - {$12000.00} overdraft. Didn't have any pending payments scheduled and did not authorize these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Ascendium Education Group
State: WA
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:
XXXX XXXXXXXX XXXX XXXX sold or sent the loan to Ascendium Ed Solutions. I was working with XXXX XXXXXXXX XXXX company to consolidate my loans. I spoke with one of Ascendium loan officers to let them know I was consolidating my loans. They tried to get me to consolidate with their company and I declined. They told me my loan was going to be charged off as default. I said Im working with a loan servicer now. I was told if I made a payment it would keep the loan from default until it was consolidated. So I made a payment. My loan was paid off by XXXX XXXXXXXX and consolidated but the Ascendium still reported my loan as a negative and charge off. I have sent in disputes and tried to reach them but they havent corrected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over 150 calls in the last 3 months. No message left. No response if I answer the phone. No reason for call given. Refuses to stop calls.

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 2018-08-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that XXXX XXXX ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, XXXX XXXX never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the XXXX credit card collections department with no success. XXXX has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on XXXX 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with XXXX. I do not understand why XXXX would allow my credit scores to be so badly damaged by a single oversight.

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 2018-06-19
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX XXXX XXXX fax XX/XX/2018 VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Re : XXXX XXXX XXXX XXXX XXXX Assignee of XXXX XXXX XXXX ( XXXX XXXX ) v. XXXX XXXX ; Case No. XXXX ; XXXX County Justice of Peace Precinct No. XXXX   Dear Sirs : I represent XXXX XXXX. We have become aware that XXXX XXXX filed the above- referenced lawsuit on behalf of XXXX XXXX XXXX XXXX XXXX . Although XXXX XXXX has not been served ( he has moved from the address you apparently have ), he is aware of this case.

Please be advised that the debt that is the subject of this case is not XXXX XXXX ' debt. XXXX XXXX never purchased jewelry or incurred credit with XXXX XXXX XXXX or XXXX XXXX. He does not live in XXXX, never shopped at XXXX XXXX and never authorized the use of his credit at XXXX XXXX. In fact, a couple of years ago, XXXX XXXX received a telephone call from XXXX XXXX about this debt and explained to them that they had a wrong person and that apparently XXXX XXXX had been the subject of identity theft.

Accordingly, we demand that you immediately file a Motion to Dismiss the case with prejudice, immediately remove all negative activity with all credit reporting agencies and cease any further collection efforts. If XXXX XXXX is forced to defend this lawsuit, he will seek recovery of all expenses, including legal fees, expenses incurred in connection with repairing his credit and all other damages to which he may be entitled due to your erroneous reporting to the credit agencies and the filing of this lawsuit. XXXX XXXX will also report this action to the Federal Trade Commission and the Consumer Financial Protection Bureau.

Please forward file-stamped copy of the Motion to Dismiss and evidence of corrected reporting to the credit agencies to this office within ten days of the date of this letter.

XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/2018 Page 2 Thank you for your prompt attention to this matter. Sincerely, cc : XXXX XXXX XXXX XXXX XXXX The jewelry store received the certified letter and to this date has still not dismissed this case. I have been contacted by XXXX at XXXX XXXX who for additional fees will get this case dismissed. She is aware of this mom and pop jewelry store because other clients had their credit violated even though like me had our credit blocked from all three credit agencies.

XXXX XXXX   new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: American Credit Acceptance, LLC
State: MO
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:
Please NEVER use this company to finance anything because they are fraudulent in their servicing and not transparent with their processes. Just to provide context, I will share OUR personal story. 
My husband and I fulfilled the PAYOFF on XX/XX/18 in the amount of {$1200.00} over the phone with their customer service agent. We allowed the time they stated it may take for the title to arrive. 
My husband and I on XX/XX/18 began to question the whereabouts of the title. We called again on XX/XX/18. The agent told me that the title would be expedited and should arrive in 10 business days. She stated we had a balance of nearly {$4.00}, which is impossible if you satisfy a PAYOFF AMOUNT.

After waiting for nearly 20 business days we called again on XX/XX/18. They again stated we had a balance of the same approximate {$4.00}, but also saw that the PAYOFF was satisfied. They stated that it would be 3 business days for the escalation. 
I then called today, and and an agent name XXXX ( who refused to provide her extension or a worker ID ) stated " there was not a response and that we just had to allow more time ''. 
Since I am off of work tomorrow, my 1st order of business is contacting the CFPB and the Attorney General for both South Carolina and Missouri, since it was a wire transfer. 
Do not do business with this place because they will take your money AND hold your title.

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 2018-08-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid through payroll deduction from my job and they are telling me they didnt receive the full amount which is a or My credit report is saying I owe XXXX dollars and when I call XXXX XXXX they say I owe over 600 dollars but the balance has been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am on an income based repayment plan which must be re-certified each year. I have filled out the form from the government website three times since XX/XX/18 and each time I am told it can not be processed, claiming it is the wrong form, the signature expired, etc. I have called and told by customer service there is no reason why it was not processed and someone would investigate and call me back. Never got a call back. Second call I was told to fill it out again and did. I have included all supporting documentation. 

My other three loan servicers have approved my IBR with no problem back in XX/XX/XXXX. American Educational Services is incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Lincoln Educational Services Corporation
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor Information : LINCOLN TECHNICAL IN is reporting on my credit profile what the credit has been removed once before the LINCOLN TECHNICAL IN does not own a location in FL and LINCOLN TECHNICAL IN has agreed to permanently removed the inaccurate credit reporting. I have attached the locations of the school locations furthermore proving validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have had a checking account with Santander for 4 months. It has been a disaster. I have called countless times to gain online access and was never given permission to access my own funds. So I gave up. I sent a letter to them requesting they close the account and mail me a check for the balance. They stalled for a month. Then they told me they won't close the account because they deserve another chance. I just want to close the account and have my funds back.

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