BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-11
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I attended XXXX XXXX XXXX College in XXXX, CA in XXXX. 
I unexpectantly received an overpayment by my college for my student aid-informing me that I now owe {$950.00}. ( now {$970.00} ) I was a single mom at the time-barely getting by-and health issues. 
I had to stop my studies because I could not pay this. 
It went to collections, I received letters offering lower amounts if I paid in full. 
I noticed on my credit report The Dept Of Education showed up as if I had been making timely monthly payments to them-every month. 
( I never received a loan-I only received the grant ). 
I recently diputed this-as my debt was there already past 7 years-even though it showed paid. 
I disputed with Experian. They denied the dispute. Then I see my credit report now says XXXX and that it will be on record until XXXX! 
I disputed twice afterward with Experian. I also called them as well with my complaint. 
My credit report shows that in XX/XX/XXXX my loan is in collection-when aside from everything else-the Cares Act alone-it should not especially be reported late for the month of XXXX. 
They just keep denying it-so I can be in default with them another 7 years! It shows a charge off-with being late and in collection, presently. 
I now call the number for the Dept Of Education loan default Customer Service ( after so much run around ) -after signing in-the system knew who I was-but wouldn't give me any more information than that. 
So when calling the default number-in order to speak to a rep-it asks me to enter my social security number-then tells me that they can't assist me-then tells me a website address-which says to call them! 
I am beyond frustrated. Because it looks like I have 7 years of a student loan debt-that I just defaulted on in XXXX, XXXX=my credit score dropped so much! 
This is very unethical-as basically they are just trying to start the " loan '' all over again. Please help remove this off of my credit report. 
No one will even speak to me.

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 2018-12-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I signed a Modification Agreement/Personal Line of Credit with Wells Fargo. On XX/XX/XXXX, I went to pay off this loan and was surprised by an additional {$2300.00} fee. Reviewing our contract, it clearly states that " the Bank has agreed to waive unpaid interest accrued to the Date of this Agreement, and any late charges OR OTHER CHARGES ACCRUED TO THE DATE OF THIS AGREEMENT THAT I MAY OWE OTHER THAN THE PRINCIPAL " ( Section 3i ). Additionally, when writing the check to pay off the loan, I was asked to pay {$46.00} in excess with no explanation/nor understanding of why this amount was added.

Since this transaction, I have tried to get clarification of the additional {$2300.00} and {$46.00} charges. The responses have been conflicting, inconsistent, inaccurate and unsubstantiated. I have resorted to sending written, registered responses via the USPS as we have dealt directly with numerous people at Wells Fargo with differing interpretations. The conditions of the contract seem quite clear and yet, no one seems to fully understand the written terms. With all these conflicting responses, we are now getting notifications that the company has refunded our {$46.00} which, again, is incorrect. 

I am getting no where with this Bank and need additional assistance. Included in this request form, I have included a few principal documents.

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 2020-11-18
Company: Experian Information Solutions Inc.
State: CT
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:
I am so upset that I have sent in TWO letters on XX/XX/20 and XX/XX/20 with no responses. I know that by law the bureaus are supposed to send me my investigation results and I have not received any responses.

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: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
respected sir/madam i had submitted my complain before and it was closed, no proof of verification was provided as there was a big big mix up in the mortgage transfer, sps is just going by one modification paper but i have made biweekly payments and extra principal in the five years also XXXX XXXX  had send me a document stating they are reinstating the loan i had provided the document which XXXX XXXX has mailed me with the immortaliztion dates and rated please help me. 
i still beleive it is not fair when it clearly stated on the last paragraph of the letter by XXXX  there are no changes in terms and conditions then how come sps dont do biweekly payment as XXXX XXXX it is false statment. when i was assured nothing was changing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2018-08-02
Company: Experian Information Solutions Inc.
State: PA
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:
In XX/XX/2018 I tried to order cable services from ( XXXX/XXXX ). And  received a voicemail stating that something came up. So when I called them back they told me that someone had service on XXXX XXXX in XXXX PA XXXX from XX/XX/2018 - XX/XX/2018 and the bill was {$1000.00}. I said this wasn't mine nor did I authorize this. So I had to submit a fraud/identity theft packet along with proof of residency. After submitting all the requested information I still am not able to get cable services from XXXX/XXXX. And now there's another address coming up on my credit/consumer report on XXXX XXXX in XXXX PA XXXX which also isn't mine. In the mean time I've had to lock my credit report with the 3 major credit reporting agencies. Please help me, I don't know what else to do.

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 2019-06-11
Company: AmeriCollect
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:
XXXX XXXX Reported : XX/XX/2019 {$230.00} AMERICOLLECT INC Reported : XX/XX/2019 {$130.00} There  are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX. XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: AmeriCollect
State: PA
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 unaware of this bill including the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX Of The Main Line for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until this debt has been validated by ME Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. AmeriCollect keeps reporting to XXXX which is illegal without show validated proof and authorization that I even signed off on this account. This 3rd party Debt Collector has been a hassle. I want this account deleted immediately. The balance is {$230.00} which does not belong to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: NC
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:
I have received a copy of my credit report and it shows company XXXX CARD account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.

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 2017-02-28
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to settle the estate but the mortgage company will only communicate with the attorney. I have not received a statement in two years. I have called and written many letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid our loan on time via automated phone system. Over a month passed when I started getting calls our payment was late. Spent two weeks being told I was fine but still getting collection calls. After a month of trying to figure out what was going on I was informed the phone payment did not go through as it was a bad account number. This was almost two months after we made the payment to finally get this information. I spent another few weeks calling and getting promises but no replies from GM Financial to correct late reporting issue. The last communication I had with them was they were reporting me 60 pass due and there was nothing they could do for me. I requested a manager call me and again was promised I would get a call back ... .after two more weeks and never getting a call back, I just made three payments. 

Do not consider the fact that it took them over a month to clear a payment and another month plus of confusion and no replies that I should get reported 60 day plus pass due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Love , Beal & Nixon , P.C . Of XXXX  XXXX, Oklahoma sent a process server to my home without any previous contact stating they have sued me for a debt collection from the past. I was sure I had paid this debt in the past but apparently not. This took place on XX/XX/2018. Since then I had made payment arrangements with them to pay {$50.00} a month towards a debt totaling {$1100.00}. I have made 7 payments to them so far. I checked my credit and it showed I had been making payments and it was down to {$810.00}. The last payment I made was on XX/XX/2018. A week later I received another notice in the mail stating I had not been making any payments and my balance was {$1100.00} and I needed to make payments or I would be garnished or sued again. I emailed them and told them I had made 7 payments and that my debt was down to {$810.00}. They also hit my credit report for being in collections and not paying which hurt my credit score badly. I have documented proof of my payments and dates and the original debt amount etc. they havent responded to my email in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX, Equifax, XXXX, and XXXX are reporting the wrong credit limits on my 3 credit cards that I have open. 
I have a XXXX XXXX XXXX  mastercard with a limit of {$49000.00}. I have another XXXX XXXX card with a {$10000.00} limit. I have a XXXX card with a credit limit of {$12000.00}. 
They are also reporting my balance on each card incorrectly. 2 of the credit cards have a XXXX  balance, and the other has a balance of just {$260.00}, as of today ( XX/XX/2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is a continuation of complaint # XXXX. It involves at least 2 companies, XXXX and DiTech. XXXX has been very informative with regards to figuring out what exactly happened with this loan. XXXX had this loan from XX/XX/XXXX until XX/XX/XXXX. Due to the lack of information provided to me, is when the loan went into default. However, DiTech did not buy this loan until XX/XX/XXXX. Account # XXXX. Why was there a 4 year lapse in collection of this loan. Until this day, I have no idea why there is no recorded information with regards to who bought this loan, who owns this loan and of the foreclosure status on this loan. Is there a second mortgage on this loan and is there a lein on this property.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had applied for and was granted a forbearance on my XXXX student loan accounts through Navient during XXXX, as they were not the normal automatic federally stopped accounts. Both were granted, yet one is showing correct while the other continues to show a 90 day late ( which was during the forbearance period. ). I do not have the communication to prove it, as Navient deletes the online correspondence after 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Money was sent via online money transfer through MoneyGram ( Reference No. XXXX ) XX/XX/2020 XXXX CDT and it was supposed to take only few hours to 2 days maximum. The money has to been received by the receiver 25 days later and counting. 

I have contacted the Money gram 4 times already via phone and submitted online complaints ( Case # XXXX, XXXX # XXXX, XXXX # XXXX, happened. During last conversation a week ago they asked for receiver address, and dob which was provided but still no resolution. Only way I knew about the request for additional information is when I called -- no attempt were made by MoneyGram to contact me o the receiver despite having both of our phone and email information on file. 

Totally irresponsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX I sent a letter to Experian requesting the correct the personal information they are reporting on the credit file they keep associated with my social security number. I included copies of the following documents for clarification : Commonwealth of Pennsylvania Official Birth Certificate ; U.S. Passport ; Goverment Issued ID ; Current Bank Statement ; and Current Utility Bill They are continuing to act in grossly negligent manner by reporting incorrect and inaccurate names and addresses. 

On XX/XX/XXXX a dispute was opened under Experian report number XXXX. 

I contacted Experian on XX/XX/XXXX to get an update on the dispute. I was informed by a representative of Experian, who can only be identified by XXXX of the Impct Team, that Experian will not update the information. 

I expressed to her that in accordance with the FCRA any address that is undeliverable to me by the U.S. post office is  inaccurate and must be deleted. I also informed her that XXXX and XXXX has already corrected the errors. She informed me that Experian will not delete the inaccurate addresses or delete the erroneous names on my file.

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