BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of Limitations and FDCPA. I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. To date, I never contacted nor authorized XXXX XXXX XXXX XXXX nor Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against me. 

XXXX XXXX XXXX XXXX XXXX XXXX is an assignee who can not produce any information referencing collecting on time-barred debt in PA nor furnishing documentation giving them authorization from the original creditor ( XXXX XXXX  ) that they are the note holder and authorized to collect on a debt that was charged off. XXXX, XXXX XXXX, Specialized Loan Servicing , XXXX XXXX XXXX XXXX, XXXX has violated FDCPA by not responding to my debt validation letter within 30 days under the FDCPA and The Law Firm ( while ignoring my concerns addressing the FDCPA ) contuie to forward me letters stated that I must pay an inflated debt with 15 days being XX/XX/XXXX or they will proceed to foreclose. From my understanding of the FDCPA a consumer is given 30 days notice. Secondly, the letter from the Law Firm is confusing and misleading by stating information referencing foreclosure. 

Please note others who are complaining about being forced into foreclosure with any remedy to justify a debt that was charged off. Please view : 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 2018-07-06
Company: CIS DIRECT LENDING
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON COMPLAINT NUMBER XXXX XXXX XXXX XXXX DID NOT PROVIDE PROOF OF AN ALLEGED CLAIM. ACCORDING TO RESPA THE MORTGAGE COMPANY NEVER DISCLOSED TO ME THAT I WERE PARTY TO AN INVESTMENT CONTRACT.. IT CLEARLY SAYS ON THE LETTER ATTACHED FROM XXXX XXXX XXXX UNDER THE TRUTH IN LENDING ACT " THE AMOUNT OF CREDIT PROVIDED TO YOU OR OWN YOUR BEHALF WHICH MEANS I CREDATED THE DEBT. I CREATED THE DEBT 15 USC 1692 ( A ) ( 4 ) .THEY DID NOT SHOW THE FULL ACCOUNTING RECORDS ACCORDING TO ( GAAP ) THAT I ASKED FOR. THEY DID NOT PROVIDE ME WITH THOSE RECORDS BECAUSE THE COMPANY IS A FRAUD. XXXX XXXX XXXX WAS A THIRD PARTY TO THIS DEBT I CREATED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I borrowed approximately {$10000.00} on XX/XX/XXXX for a Term of 67 months from SANTANDER CONSUMER USA through a car dealership in XXXX, Vermont. I was given fraudulant information from the dealer, they gave the wrong VIN # and Santander approved the car loan based on that information. 
On XX/XX/XXXX Hurricane Irene hit, I lost everything. I was listed with FEMA as a catastrophe victim. When I went to trade my car in for a less expensive vehicle, as then I was homeless and broke, I learned of this fraud. The car dealer ran the VIN # and showed me how the car was worth XXXX dollars. 
I wrote Santander, called them and I could not get anyone to go off script and to help me to do the right thing. All I wanted was advicew from the legal department. 
I was homeless and broke and Santander would not allow me to deal with their legal department. I called and emailed them and got nothing. 
After months of trying to resolve the issue I left the keys in the car, and I left the car on the street in Washington, DC. I called Santander to tell them I was doing this, and still, I got no response other than, you need to pay your bill. 
Now it is XX/XX/XXXX and I would like to apply for a loan to buy land and a small shelter. Still I have Santander on my credit report looking like I just decided to stop paying for my car. 
I feel this is a false representaion of my credit record and with my wanting to do the right thing with Santander. I wanted to proceed with a case of fraud against the dealer. I needed Santander to help me with this, but all I could get was scripted Customer Service Representatives. It just breaks me that all these years later Santander is still on my credit records, misrepresented as the victim of a default. 
They are in the business of lending money it is their responsibilty to help a customer when fraud like this occurs. yet they were completely inaccessable to me. 
I was broke and homeless from a hurricane and they just wanted their next payment. 
What made matters worse forme was that my only FEMA emergency funding was {$1200.00}. That is what I walked away from after Hurricane Irene. I could not organize myself to start a suit of Santander or the dealership at that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: AES/PHEAA
State: TX
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:
In XXXX  of XX/XX/XXXX I had my loans transferred to XXXX because as a XXXX XXXX XXXX, I wanted to work towards loan forgiveness. Up until this point, I had no issues with my income based repayment applications being processed and I made timely payments. Since working with them, i have received conflicting information regarding my application status. Forms that were to be mailed to me were not. They claimed to have not received one form but inexplicably received the other. Most recently, I entered a doctoral program. I initially wanted to continue on my IBR and requested to continue to pay. they denied it and said i had to pay {$1400.00} which I could not afford. I then reapplied for in-school deferment while the situation was rectified. I was told in XXXX that I would receive a form in XXXX and all would be well. I received the form in XX/XX/XXXX immediately faxed it back - was told that it would be taken care of immediately only to find that {$1400.00} had been deducted from my account that I did not have money for and could not afford. The website does not allow you to remove bank account information from the profile as it states. I have just had horrific customer service, representatives who know absolutely nothing and they have now created a financial hardship for me and my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: FL
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:
EXPERIAN shared my credit report with XXXX XXXX without my consent. They shared the report and late payments reported in error by a third party creditor, which resulted in my credit rating being lowered with my banking institution. 

This party credit has corrected erroneous reporting in the meantime but the damage with XXXX XXXX has already been done. 


As I mentioned, this was shared without my consent. 

I am attaching the letter I received from XXXX XXXX stating that they received a credit report from EXPERIAN ( the third party credit bureau )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On Saturday, XX/XX/2021 I agreed to lease a new Honda XXXX XXXX XXXX Honda of XXXX, FL. The terms were based on my credit score which I believed was between XXXX and XXXX based on 3 sources, namely XXXX XXXX XXXX XXXX  ( a credit card ) and XXXX  XXXX provided by XXXX XXXX a credit card ). 
When it came time to sign the papers, XXXX Honda informed me that my XXXX XXXX was actually XXXX. When I questioned the difference, they explained that they us the auto enhanced model from XXXX not the model used by other lenders such as credit card companies. 
The end result was me having to put {$1000.00} cash into the deal to make it work. 
Does this make sense to you, or are they manipulating the numbers in order to increase profit margin and charge a higher money rate? 
I certainly understand that 3 models could vary slightly for the total score, this margin and the resulting increase in cost seams excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/18 I sent {$400.00} via XXXX with Wells Fargo to someone by the name of XXXX XXXX at the email XXXX ( a friend who was registered with XXXX and he was not ), who claimed to have football tickets I was looking for, and he even emailed confirmation of the tickets, which I now know is fake. When I realized this was a scam, I called Wells Fargo and to my astonishment there is absolutely nothing they can do. I thought at the least they could dispute the transaction or file a claim. I feel very unsecure now with my own bank, and am at a loss as to where to turn. Being able to feel helped and secure by a bank is very important to me. I am just a have never been scammed before and being my first time, Wells Fargo has not be helpful in the least bit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of Identity Theft I have contacted Transunion asking for validation of numerous items they are claiming are derogatory on my credit report they are claiming is mine on XX/XX/2021 via XXXX mail. Until this day I have not been provided a response I have mailed a letter to experian demanding validation and according to the FCRA experian has 30 days to reply. The date is now XX/XX/2021 according to the law they have had more than the allowable time to reply and failed. I now ask that the CFPB take matter into their hands and delete the negative items they are reporting on my report. Attached is a highlighted letter highlighting the numerous negative items on my report using the EOS language that I also sent to Transunion. I again request a deletion of all negative items they have been unable to verify this is causing me financial harm my next step is to fail a lawsuit against I companies involved.

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 2018-04-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was called repeatedly from approximately XX/XX/XXXX through XX/XX/XXXX by XXXX XXXX and XXXX ( also referred to themselves as XXXX XXXX and Associates at times ) to collect a XXXX year old {$1000.00} college credit card debt that my wife and I are 99 % certain we paid when we married 12 years ago but do not have records that go back over a decade. They initially left voicemails that someone 18 years or older needed to be at my house in person to sign for legal papers and when I returned their call they threatened that if I didnt pay they would put a lien on my property, file a civil lawsuit, and negatively impact my credit score by reporting a default. When I called, they tried to get me to verify personal information ( they had correct previous and current addresses and the last 4 of my SSN ) which I declined to confirm but they said they knew it was me and gave me a credit card number and told me to verify it through my previous creditor which I am currently taking steps to do. They eventually sent me an email with a final demand letter for payment or settlement by XX/XX/XXXX or else legal action will be taken. They are not registered with the XXXX and have countless negative reviews when I googled their company stating that they were fraudulent and others had received similar calls. There is very little information available on their website other than a way to pay by credit card. They state on their website that their address is XXXX XXXX XXXX XXXX XXXX, Mass XXXX which reviewers stated that it was actually a XXXX Store.

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 2018-06-27
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Yes thank you! .. Ive been trying to pay on the phone as XXXX compass bank said _last month that they had an internal/technical problem with the XXXX app.. however my complaint is I tried to pay with my XXXX bank on my current account _this month before the due date ( & previously ) as usual.. 
Recording ; _no operators available to take your call! _ Ive tried now three days and get a recording to leave my telephone number for _call back when they arent so busy__ I did <ph # can only leave it once> this is crazy.. now a late fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are items being reported on my credit report that are inaccurate and I have contacted these companies over 60 days ago for a solution and I havent gotten a response yet! i have attatched the letters for confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Nelnet, Inc.
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:
Nelnet is in violation of FDCPA and negligence.

FDCPA Nelnet has never responded with verification of Debt following all inquiries and allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, -- - XXXX XXXX -- - ( XXXX Cir. XX/XX/XXXX), 2014 WL XXXX XXXX XXXX Cir. Mich. XX/XX/XXXX XXXX, XXXX U.S. App. XXXX XXXX, the XXXX Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA ) Nelnet has violated FCRA and GBLA laws by the inability to produce records. There are multiple months with missing information not reported or reported incorrectly. This formation has been been provided to Nelnet on Multiple occasions. Nelnet does not have the requested records and is therefore unable to show this information to credit agencies effectively. They report NO DATA for multiple months on all 3 credit reporting agencies. This violates fair credit reporting and because it has happened over the course of 5 years on Multiple occasions it is not longer negligence but intentionally misleadingly. This violation is the second reported by the company against for violating FCRA as the first regarded violation of privacy laws under FCRA and GBLA. The fact that they are violating multiple sections of FCRA concerning Accuracy and Privacy on multiple occasions is not a call for concern but a call for action. This action has led to breach of contract under Nelnet Terms of Service when they were to have verified the actual debt before buying it from XXXX and other companies. They are unable to very the data missing and have therefore failed to report it to the Credit agencies. This violates FCRA and GBLA laws. Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
It has been well over 30 days and I have heard no response in regards to my dispute.

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 2017-08-09
Company: Clarity Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Clarity Services has failed to dispute the negative items on my report that I had submitted months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Report # XXXX for XX/XX/20 shows 3 incorrect addresses which have never been my residence, a social security number variation and a primary telephone number that is not and has never belonged to me in addition this report does not reflect my current employer of 3+ years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions 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 A SERIES OF ISSUES WITH THESE ACCOUNTS. I HAVE A CABLE BILL THAT IVE NEVER SIGNED UP FOR. HOWEVER I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A MEDICAL BILL THAT SHOULDVE BEEN COVERED BY XXXX, BUT INSTEAD THE BUREAS DECIDE TO PUT THIS ON MY CREDIT ACCOUNT WITHOUT CHECKING IF I WAS COVERED BY ANY TYPE OF INSURANCE. THEY HAVE NEVER REACHED OUT TO ME OR SENT ME ANY MAIL STATING I OWED THIS BILL. I CONTACTED THE CREDITORS ABOUT THIS INACCURATE MEDICAL BILL AT XXXX AND THE REP WAS VERY UNPROFESSIONAL AND EVEN MADE JOKES. I AM BUILDING UP MY BUSINESS AND THESE FRAUDULENT AND INACCURATE ACCOUNTS ARE CAUSING ME A LOT OF DISTRESS.REMOVE THESE INACCURATE ACCOUNTS OR I WILL HAVE TO ESCALATE TO THE NEXT LEVEL.

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