BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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:
To Whom It XXXX Concern To Whom It XXXX Concern I am challenging the incorrect information with XXXX XXXX and alll XXXX Bureaus Experian, XXXX, and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was verified. The account is being reported as a Bankruptcyby XXXX and XXXX credit bureaus. I personally have a letter from the court house and they said they do not report to any credit bureaus. I have coantacted the credit bureaus on XX/XX/2022 and XX/XX/2022. they both came back verified. 
I contacted all XXXX bureaus Experian, XXXX, and XXXX as well. I then know that you can not report false information to a consumers credit report. Nothing was ever verified and they as well have never sent me any letters on the process of their verification process. All reporting credit agencies should prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. By them reproting this unverfied inforamtion has made it hard for me to secure a home as well as funding. This is inaccurate information and I need it deleted immediately. 



delete a bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verify these items in it needs to be deleted according to the FCRA they have once again refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more an interest every year this item needs to be deleted from my credit report if you can not be verified with

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 2017-09-28
Company: DISCOVER BANK
State: MD
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:
Discover Student Loans went through a system migration and it effectively removed auto-pay information for their customers ( me included ). I noticed, via my bank account, that the monthly ( scheduled for XXXX/XXXX ) deduction did not occur so I followed up via my Discover account. It showed me as 9-days delinquent ( as of XXXX/XXXX ). When I called to obtain additional information I was eventually told that they were having issues with some kind of " system migration '' that ended up removing auto-pay information for their customers. I asked if these circumstances were widely known to which I was told " the company is aware ''. Given these events, I was told I need to manually make the payment, then once my account is current, I could sign up for auto-pay at the time. I was told there was no way to retroactively post my payment and the 9-days delinquency ( or late payment ) will stay with my account, although there will be no reporting to credit bureaus. This seems to be a potentially large scale issue, with no communication to customers, that they are technically delinquent on payments ( the only way I came to find out about this issue was proactively checking my own bank account to see if the payment went through ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX, Santander Consumer USA repossessed my vehicle. To my suprise when I called the next day, Santander told me I was XXXX behind on payments. I told them I was unaware of this, but they told me they could not reach out to me as my number was on the DNC list ( a rep placed my number on there mistakenly as the secondary number XXXX was no longer there ). Having said that, I was fine with this amd wanted to work out a payment plan ( I have paid XXXX to the vehicle ; the car was XXXX at retail. Santander has refused to do this. Initially they stated I owed a total of XXXX ; when I spoke to a rep on XX/XX/XXXX, I was told I could pay XXXX to pay the car off. I am not sure why they will not work with me ( they state the loan is charged off, but somehow they still have the loan ) and I am willing to work on the payment. I made a payment of XXXX on the XX/XX/XXXX ( my total amount monthly amount is XXXX paid XXXX less because XXXX had to go to getting TN tags albeit I was going to pay my XXXX that Friday ). I have 8 payments remaining. I have offered auto draft and a host of other options, but they have acted like predators requesting a lump sum. Furthermore, them reducing the amount let 's me know they can. I have also offered to pay more ( XXXX ) for the monthly amount. Can someone please assist as I would like the car back and for it not to go to auction? Also, tis company is still addin late fees and deliquency although the loan is charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I had my card stolen and charged my card lots of charges and the sent a letter saying my funds was credited on these date XX/XX/2020 and XX/XX/2020 which have not occurred and they dont know why and cant tell me why not and say theres nothing they can 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 monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-03-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hi I am a Coin-base Inc user and I have a problem accessing my assets. I believe this is unfair, it says we are having connection issues. Please quit the app and try again. Your funds are safe. This has been happening for 4 days now and I can not access this part of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BACKGROUND : We are experiences problems with servicers : OCWEN Financial, PHH, XXXX, Attorney : XXXX XXXX and allegedly deed holder : XXXX attempting to foreclose on our home located at XXXX XXXX XXXX XXXX XXXX GA . I am XXXX XXXX Chairman of the Board of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PRIVATE SPECIAL PRIORITY ) and the home owner along with my Wife XXXX XXXX. Our property is XXXX XXXX inside the of the aforementioned trust. In XXXX, we refinanced and then settle this mortgage with XXXX XXXX XXXX. The debt was settled with lawful money but a security deed was created by XXXX XXXX XXXX. XXXX  XXXX XXXX  went out of business in XXXXXX. Our research indicates that a security deed remained on our property even after XXXX XXXX XXXX  went of business. 

STATED BELOW IS OUR MAIN ISSUE : On or around XX/XX/XXXX, on behalf of XXXX XXXX, XXXX unlawfully executed an assignment from XXXX  XXXX XXXX to XXXX XXXX  XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX XXXX , XXXX., MORTGAGE LOAN TRUST, SERIES XXXX. In our research, as detailed in the Pooling and Serving agreement ( On The SEC website and attached to this complaint ), the cut-off date for this Remic was XX/XX/XXXX with a closing date of XX/XX/XXXX. Adding this alleged loan roughly 9 years latter ( XXXX ) would have made the entire Remic defective ( ultimately collapsing this REMIC  ). As the XXXX identifies that moving this loan into this REMIC 9 years latter is impossible and totally unlawful.. 
During unlawful foreclosure attempts, XXXX XXXX is specifying that they are acting on behalf of XXXX XXXX  as attorneys In Fact for said Foreclosure. 

Prior to all unlawful attempted foreclosure actions, the XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ( PRIVATE SPECIAL PRIORITY ) executed Revocation of power of attorneys for XXXX XXXX, XXXX, OCWEN, PHH, XXXX and all associated parties. They all received notification of these filings. XXXX XXXX has continued to proceed unlawfully. 

In contacting XXXX  XXXX, ( employee identifier XXXX ) informed us that the investor ( Secured holder of mortgage ) was XXXX XXXX and NOT XXXX. 

While the documentation sent to us by XXXX ( identifying themselves as the servicer ) specifies that XXXX XXXX  is the investor/Secured creditor. The information that we've received is all over the place. In Contacting XXXX customer service ( XXXX XXXX ), specifies no loans associated with our names, address or SS #, In Contacting XXXX XXXX  ( XXXX at XXXX ) and XXXX XXXX, specifies no loans associated with our names, address or SS #. 

In Contacting XXXX XXXX ( Customer service XXXX ) specifies no loans associated with our names, address or SS #. 

CONCLUSION : Our original loan # XXXX XXXX/PHH/ OCWEN are attempting to assign us a new account number of XXXX XXXX XXXX , OCWEN FINANCIAL , XXXX , PHH , MERS are all colluding to defraud XXXX XXXX and XXXX XXXX XXXX. 

BTW : PHH, XXXX are owned by OCWEN Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient keeps emailing me saying my payment is due when it's not due until that provision in CARES Act expires on XX/XX/XXXX. Bad and deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX See attached previous CFPB Complaint and supporting documents. 

We submitted a full-asking-price offer on XXXX/XXXX/15. ( yes we have been working on this with Nationstar for MONTHS ) Nationstar refused to consider the offer ( the offer with the pricing they required ), and instead forced the property through the AUCTION HOUSE THAT THEY DIRECT AND OWN. 

Nationstar ran this thru the auction AGAIN, there was no winning bid AGAIN, and now they are REFUSING to consider the offer of the buyer that has ALREADY COME UP TO THEIR ASKING PRICE. 

Why is the offer that we submitted not being looked at? This house is in a drug infested neighborhood. Our buyer even offered what their last XXXX came in at. Their own auction company cant get a buyer. It 's obvious what they really want is to just collect the 5 % fee and ensure the property goes to their group of shill buyers. They do n't care about their own investor or the client they are supposed to be servicing. 

Nationstar has been defrauding their investor since XXXX when they were presented with an offer that met their value. If Nationstar comes up with a 'new value ' it is only to cover for the fact that they are trying to wait long enough to find a buyer through their fraudulent auction process so they may profit the additional 5 %. 

WHEN IS THEIR ILLEGAL AUCTION-AND-POOL-OFXXXX GOING TO BE INVESTIGATED AND SHUT DOWN?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-04-28
Company: EdFinancial Services
State: MI
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:
I am the natural person, consumer and original creditor. I entered into a consumer credit transaction with EDfinancial XX/XX/2016. They are committing fraud because they got paid with the finance charge and mislead me to believe i still was suppose to pay them monthly payments, but my social security number paid for everything initially. They are also infringing upon my privacy because they sent my information to consumer reporting agencies without my written consent. Now those reporting agencies are reporting this alleged debt negatively to my consumer file. This is also fraud because that is my information nothing is suppose to be put on there without my consent on top of that everything must be accurate and they are suppose to interview friends and family which they never did. I am the consumer everything starts and ends with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2020-02-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed complaints with Wells Fargo based on some charges made on my Wells Fargo VISA debit card. Wells Fargo agreed that I was in the right so the complaints then went to the VISA level for their decision. There were all kinds of rule and policy violation by Wells Fargo so the claims were denied by VISA. I took Wells Fargo to small claims court on XX/XX/2020 and won the case. The court awarded me {$9300.00}. Wells Fargo had 30 days to pay me but I have not received the money as of XX/XX/2020. Given that I am severely ill and had to attend small claims court in a gurney  after a 9 month battle with Wells Fargo this is particularly egregious that they are once again forcing me to fight for the money that I am due.

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 2020-05-15
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I getting call from debt agencies daily. I have put there numbers on block list. It is usually same companies, but change their numbers. They leave no message. I believe these are robocall scamming. This has been going on for months. 

Companies are : XXXX XXXX XXXX Ars National Sr

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans are covered under the CARES act extension in XXXX. My servicer is Great Lakes. I logged in to my XXXX account to check my XXXX Score and noticed that the score had dropped about XXXX points. There are no changes anywhere that would cause this and then I remember that my student loans and gone out and back under CARES. 

When I looked at the status, the loans show under 'deferment ' not 'administrative deferment ' which means the status indicates I requested they be placed in deferment. I did not. 

Great Lakes was sued over this once already : XXXX XXXX XXXXtrXXXX XXXX XXXX XXXX I contacted them today and asked them to modify the reporting and they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I called Capital One Auto Finance in XXXX about modifying my loan. The modification was approved and I was told to make a payment by XX/XX/2020. I made the payment on XX/XX/2020. The representative that approved my modification made no comment or indication about credit reporting during the call. As of XX/XX/2020, Capital One reported my auto account 30 days past due. This was never explained to me over the phone about any credit reporting or late payment, otherwise I would have made the payment sooner. I am requesting that the credit report be updated to reflect current status. I have never been late on my auto payment and this was clearly not explained to me during the modification by the agent. I have called Capitol One a few times to try and resolve this matter and nobody seems to care to get my credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have never received a notice about this debt and they have contacted my business phone number which is LLC and not responsible for this personal debt that I'm unaware of or haven't done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation