BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/2022, I satisfied the XXXX XXXX  payment requirement to have my loans forgiven by way of public loan forgiveness. After several months of not hearing back on the status of my forgiveness, I called and was informed in XXXX that Fed Loan servicing inadvertently made a mistake, rejected my application to forgive my federal student loans, and failed to provide notice. 

My name on my federal loans is XXXX XXXX, my maiden name. 

On XX/XX/2022, I called for at least the XXXX or XXXX time to follow up on my application. On that date, after numerous confirmations that my application would be approved, they caught their internal error and then approved my loan forgiveness. They further explained my balance would be forgiven in a matter of days, and that I would receive a letter of confirmation. 

It has now been several weeks. I make calls almost daily to see why my loan balance has not been discharged, despite my approval. No one can give me any information or any timeline. 

Today, Ive been put on hold by XXXX separate people, in excess of hours. No one can provide me information on why my balance has not been forgiven. They say they can not provide a timeline for when this will be done, but have confirmed that I have satisfied all necessary steps for the loans to be forgiven. 

I have called at least three dozen times in the past several months. This delay in performance of loan forgiveness on their end is devastating to me, as I am desperately waiting to have this XXXX plus balance forgiven. This is having a tremendous impact on my credit score, which is in turn, inhibiting me each and every day from moving forward with purchasing a home and a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Bread Financial Holdings, Inc.
State: VA
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 submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. 

The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 

2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 

3. This institution is obligated by law to investigate, require proof from the creditor, that validates their record. 

There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: CHECK INTO CASH INC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
For the past year a debt collector has been calling me from numbers that change every 2 or 3 days. The name always shows up as " V '' followed by random numbers. They never leave a message. The one time that I answered the telephone the caller identified himself as a debt collector for a payday loan place. That loan occurred around XX/XX/2016. Attempts to block these calls fail because the name and number calling me changes every 2 or 3 days! The numbers calling me include : XXXX ; XXXX ; and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12
Company: PRESTIGE FINANCIAL SERVICES 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: Account status incorrect

Complaint:
My first issue is that I have an account that I have contacted both the company and credit bureaus that is reporting closed on all my credit files back in XX/XX/2015. This account was paid off in full by my insurance company. Although they are reporting inaccurate information that shows this account has a balance and has been charged the credit bureaus and company is stating that it was charged off years later and although it has been charged off the balance is currently rising and shouldnt be. Although I have disputed this with the credit bureaus XXXX dont believe that they take the necessary and required steps to fully investigate by law. Lastly the company will not honor my request to receive the steps taken in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
HERE IS EMAIL SENT TO SETERUS CEO XXXX ; XXXX XXXX -I have tried for the last six weeks to pay off my mortgage but keep having checks sent back to me and wrong amounts and a XXXX XXXX XXXX telling me to call whomever y=the XXXX I want to call? 

I have had a Equity Accelerator program and did not know that the last payment had to be made in certified funds as I am not XXXX and would appreciate a courtesy call before I take legal action and write about this in over twenty publications across the country? 

Your company has returned two checks from XXXX XXXX and have messed up my credit and charged late fees which I believe should not be charged as I have tried to resolve this for the past six weeks??? 

My cell is XXXX and would appreciate a courtesy call? 

Thank you, XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2018-12-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Additional documentation to the original compliant : XXXX. Attached is the Tax Assessment. They have valued the property at a different amount than Wells Fargo is claiming. Wells Fargo is claiming the house is upside down.

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 2020-08-01
Company: Experian Information Solutions Inc.
State: NY
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 recently reached out to the Federal Trade commission regarding fraudulent activity on my credit report. This information must be investigated and removed immediately as it is directly effecting my credit.

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 2020-08-01
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase is preventing me from trading despite previously being allowed and they aren't letting me know why I can't. They said they can't " elaborate on [ their ] internal decision process ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted the Navy Federal Credit Union after the denial of a VA home loan. The VA does not set a hard and fast rule on a credit score. If you are a veteran you are entitled to a VA home loan. The scores of XXXX is what would normally be for FHA or conventional loan. There should be no discrimination on a veteran because they do not have a credit score of a particular number. I was told by the lender it was because of my credit score. I have other pre-approvals by other lenders but Navy Federal has lied and said I need a certain score. The VA does not discriminate. I have money in the bank and my debt to income ratio is awesome. I have a few OLD blemishes on my credit but have a score of XXXX should not be grounds for denial. I have multiple accounts with Navy Federal as well as credit cards. I feel like I am being pushed out of a VA home loan because they don't want to offer such great benefits that a 100 % XXXX veteran is entitled to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out the school loan in 2006. After I left school, I was told I had to pay {$50.00} per month and a certain percentage of that would go towards interest. I was told I could make additional payments towards the principal, but in fact my payments were only applied to future payments. The problem continued to get worse as the automatic payments continued to be withdrawn from my bank account and applied to principal and interest. After 10 years, my loan hardly decreased at all. 
I finally moved it to a 0 % credit card and paid it off in 1 year. I should also mention my interest went up several times with no notification. From 2 % to 6.5 %, I think. Navient is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXXXXXX XXXX  Date opened XX/XX/2015 Account number XXXX XXXX XXXX Date opened XX/XX/2015 Account number XXXX I attached all documents what you need included Identity Theft report. I have been a victim of identity theft fraud. I have no idea of any of these accounts.

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 2022-08-09
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX and XXXX 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 XXXX : 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 2021-05-04
Company: Winklevoss Exchange LLC
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Since XX/XX/XXXX I haven't been able to cancel any XXXX orders. This results in those funds being reserved to cover the pending future orders, which will likely never get filled. In the past I had no problem canceling these orders and it's a common process. I attempted to reach the company via their support channel, but no response. 

The message in the little red flag that pops up is : " The provided account is restricted and can not perform this action '' but my account is NOT restricted. I can trade and withdraw without a problem. I am not the only one affected by this issue and it is costing me thousands in missed opportunities. I can't imagine how much money Gemini has locked up in fake account restrictions because I've found this exact situation described by others online but no evidence of any resolution. 

The total funds being held XXXX : {$3200.00}. I imagine other 's are much worse off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: FC HoldCo LLC
State: HI
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:
On XX/XX/XXXX I contacted XXXX to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.

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 2020-06-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have never applied for credit with XXXX. Someone at the XXXX XXXX store stole my identity and processed a application for credit without my consent. I have never done business with XXXX XXXX nor did I apply for credit on XXXX. In accordance with the law XXXX has a legal obligation to remove this once they were notified that this transaction was fraud. You have copy of the police report verifying that my identity was stolen. Moving forward I am giving XXXX 7 days to remove all inquiries from my credit report or I will file a lawsuit against XXXX. Once you were notified that my credit was being used without my permission you had a legal obligation to remove it. Remove it now or I will see you in court.Your company is violation FCRA and I will not stop until this is handled correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Back on XX/XX/XXXX I sent a letter to Equifax disputing inaccuracies on my credit report. I still haven't received any notification. I also sent in a comply letter in hopes of an update but to no avail I didn't get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called my loan service provider up last week telling them i want my payments to reflect every saturday till the debt js cleared. My loan service provider agree, so when i got payed on this past Thursday my loan service provider ( Navient ) took my money two days earlier without telling me, that they were going to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a home I owned in Ohio on XX/XX/20. The day of my closing I was told by XXXX XXXX that a wire was being sent to my bank to payoff my mortgage and deposit the proceeds of the sale of my property to my checking account. I received a payoff letter from Chase on XX/XX/XXXX and had it sent to the XXXX XXXX XXXX. I was told not to make any more mortgage payments because I was scheduled to close on XX/XX/20. The day of closing my mortgage was not paid even though the buyer was given keys to my home and had moved in and started remodeling before I received a dime for payoff of my mortgage. My mortgage remained unpaid until XX/XX/XXXX because the weekend passed before I was told that the funds from the buyers loan was sent to the wrong Title Company. HOW?? When they finally wired the funds it was now XX/XX/20. My complaint is against the following parties XXXX XXXX , XXXX XXXX ( OH ), XXXX XXXX (  OH ), XXXX, XXXX, Chase and all parties who were responsible for the delay of my mortgage payoff and then the subsequent reduction in my credit scores. Over {$200000.00} of mortgage and revolving debit was paid and my score was decreased instead of increased. On XX/XX/XXXX my credit score dropped by 87 points from XXXX to XXXX with XXXX  and I learned today that my credit score dropped 93 points with XXXX   from XXXX to XXXX. Now I want to know how someone who's never been late before on any bills can now have my credit score crushed after paying off a mortgage and paying down revolving debit by approx. {$14000.00}. This is even in light of the pandemic we are now going through. I should be congratulated rather than penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: MI
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 refuses to remove an account that was not mine. I have sent paper work to them, XXXX and Equifax and all but XXXX refuses to remove the account. I have now sent in 3 sets of paperwork, 4 times and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I asked XXXX, XXXX  and Transunion to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. Immediately XXXX  removed the account from my credit report, Transunion and XXXX  did not. I sent a copy of the XXXX  report to the other two reporting agencies and asked them what did they know that XXXX  did not. I have NOT received a reply and it's been well over 30 days! 

According to Transunion and XXXX  the BK Court in XXXX verified the data. I have a letter, which I provided to all 3 bureaus, from the courthouse saying they do no such thing! 

Then I looked in XXXX. They are a third party, for profit company, which makes the information provided heresay. Also, why aren't Transunion and XXXX  responsible under FCRA to do a complete investigation and to know 100 % what they are saying about me. It's ridiculous that when one backed down, XXXX, and that evidence was provided to the other two that they maintained their position - they are providing information they have NOT verified! 

Please make them abide by the law meaning only report first hand information, or delete the bankruptcy from my report. 

Thank you, 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 2018-12-30
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Hello, I am contacting your agency to get help removing inquires and accounts that's on my credit report. I was a victim of identity theft. I have a police report and other documentations to prove it. I even have proof that my information is on the Dark Web. XXXX XXXX and Transunion.

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: EQUIFAX, INC.
State: CA
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 attempted to check my credit reports on XXXX and on the identity verification page, I was asked questions in which all the responses did not relate to me. For example, it asked me to verify which address I've lived in and all 4 options were not my address. I proceeded to put on " none of the above '' for all the questions and was denied my credit report access.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PREDATORY LENDING VIOLATION TO THE ELDERLY VIA TELEMARKETING. CT HAS A PREDATORY LENDING LAW THAT WAS TOTALLY IGNORED BY THE  TELEMARKETERS : XXXX XXXX & XXXX XXXX. I KEEP ASKING WELLS FARGO FOR THE TRANSCRIPT FROM THE TELEMARKETERS 7 MANY, MANY OTHER QUESTIONS THAT THEY REFUSE TO ANSWER. MY PARENTS HOME WAS QUIT CLAIMED TO ME & IS WHERE I RESIDE AND HAVE RESIDED OFF & ON SINCE 1957. IN CT WHEN PEOPLE MY PARENT 'S AGE APPLY FOR A REVERSE MTG. THE REVERSE CO. WILL NOT COMPLY UNLESS AN ATTY REPRESENT THE BORROWERS. THEY UNDERSTAND THE CONSEQUENCES OF TRYING TO SCAM THE ELDERLY. WHY DIDN'T XXXX A.K.A. WELLS FARGO OFFER MY PARENTS AN ATTY? LOOKING AT MY MOTHERS ' SIGNATURE IT IS WEAK & XXXX A SIGN OF XXXX. MY FATHER PRINTED HIS NAME WHERE IT STATES TO SIGN & SIGN WHERE IT STATES TO PRINT. XXXX A.K.A. WELLS FARGO TOOK ADVANTAGE OF A CONFUSED ELDERLY COUPLE & THAT IS A VIOLATION OF CT PREDATORY LENDING.

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