BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received a notice with my name and social security number was listed as co-borrower for a student loan. I never opened or authorized anyone to use my information to take out a loan with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ALL FTC VIOLATIONS REPORTED TO THE FTC AND NOW YOU COMPANIES : XXXX XXXX XXXX XXXX  {$610.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks -- XXXX XXXX XXXX {$500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$500.00} High Balance {$500.00} Remarks -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/2 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX Account Type Deposit Related Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$230.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 39 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$100.00} Highest Balance {$98.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/3 Remarks Fixed rate

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 2017-11-18
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XX/XX/2017 I spoke with a representative and told them that I have a debt consolidation company handling the matter but they still call 6 times a day regularly before 9 am and after 9 pm. The company is allied interstate.

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 2017-11-18
Company: Experian Information Solutions 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 status incorrect

Complaint:
Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies. 

They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.

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 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2019-05-24
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: Account information incorrect

Complaint:
Accounts on my credit file are unverified and unauthorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: TN
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 mailed in two dispute letters requesting that Experian to verify negative accounts on my credit report. They " verified '' these accounts after online dispute. I have since mailed two different dispute letters, and both times, I got back from them a letter in the mail stating they will not reinvestigate. I called and spoke to an Experian representative named XXXX. She stated to me that they do not have an original signed contract from the original creditor as required under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian has failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617 of the FCRA, if the CRA fails to comply with the federal law. I demand the following accounts be VERIFIED OR DELETED IMMEDIATELY. 

1. XXXX XXXX XXXX  XXXX  ( accnt # : XXXX ) 2. XXXX XXXX XXXX ( accnt # : XXXX ) 3. XXXX XXXX XXXX ( accnt # : XXXX XXXX 4. XXXX  XXXX XXXX ( accnt # : XXXX ) XXXX. XXXX XXXX ( accnt # : 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 2020-06-23
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I originally borrowed around {$900.00} from Cash Store in XXXX on XXXX XXXX. 

I was XXXX and had a joint bank account which I had to close. They never got in touch with me, sent a letter that I received, etc. Later in XXXX of XXXX I got a call from an " attorney, who was not one.  She was nice but threatened that they were going to file bank fraud charges, she then said that it didn't make sense as I hadn't committed fraud, and that I could handle it with a payment plan. XXXX, scared, and trying to get better I agreed to it. 

Now, in late XXXX inhad been getting a spam message, so I called. They answered saying, " Oh, they're going to have your drivers license suspended and take you to court. They are also going to file 3 bank fraud charges. '' I then told him that no fraud was committed, I had already set up a plan, and he agreed and said he didnt understand how they were going for all that when I had responded and attempted to remedy the situation. I told him I know that I didnt commit fraud, that I want ALL THE PAPERWORK DETAILING HOW AND WHAT THEY WANTED TO " CHARGE '' ME WITH. 

The debt is handled. The problem is that they are making all these threats " bad cop '', then having no attorney persons negotiate payments, issue threats, and give legal advice that often contradicts what they originally said and or did. 

If I didnt have legal knowledge, like many, they could really manipulate and hurt people. My understanding is that threats and harrassment can't or shouldn't be done by these folks. I would like to know ways, remedies, and what their legal obligations and restrictions are, so that I can be better informed. I feel what they did was illegal at worst and extremely shady and deceitful at best ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Resurgent Capital Services L.P.
State: CO
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:
In the reply to my complaint the company stated the following '' After receiving XXXX XXXX complaint, XXXX XXXX XXXX  reviewed the file and will send XXXX XXXX the modified agreement. XXXX XXXX XXXX, XXXX prides itself on compliance with all federal, state and local laws and regulations. We encourage XXXX XXXX to reach out to us directly if she has questions or concerns or if we can provide any additional assistance in resolution of this matter. '' THEY STILL HAVE NOT REVISED ANYTHING ON THE AGREEMENT NOR SENT IT TO ME. IAM NOT PAYING FOR ANYTHING AT THIS TIME. THIS IS RUINING MY CREDI TAS YOU ARE REPORTING I AM NOT PAYING. IVE CALLED YET AGAIN AND I WAS ADVISED I WAS GETTING ANOTHER MODIFICATION AND STILL NOTHING. 

refer to closed case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Identity theft victim

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 2021-11-29
Company: Reliant Capital Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested via certified mail for the original of the validation of the debt from Reliant Capital Solutions and it was not fulfilled. However, the company only send a copy of the verification letter of the debt. I specifically asked for any document with my signature, with dates, and amount of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: Resurgent Capital Services L.P.
State: IN
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:
LVNV collection agency has filed suit against me for a credit card debt. I do not agree with the amount they say I owe. As of XX/XX/2019 I have not received a summons but was notified by an attorney offering his bankruptcy services. I asked LVNV to provide proof of the debt. It was never provided to me as I requested. My debt has been sold to LVNV by a company who owns lVNV and that company is owned by XXXX XXXX which owns LMNV. I dont know who actually owns my debt and I dont believe they have a signed contract from the original creditor. I believe that this agency is using deceptive name changing to validate their proof. I have informed them of my XXXX  XXXX and that I am judgement proof and on XXXX for XXXX XXXX. I believe they omitted that information when they filed suit as to not bring attention to my XXXX and my XXXX health status. I believe they are counting on me not showing up to court to obtain a default judgement. I have nothing to place a judgement on. Appearing in court is something I can not do. With the medications I take and my fear of unknown situations it would cause me to suffer a setback in my condition and actually make me ill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : This letter is in response to your recent claim that Navient, has verified that the account they are reporting under my name is accurate. your INCORRECT reporting is reporting me LATE ON MANY MONTHS WHILE I WAS IN DEFERMENT AND WAS GOING THROUGH ECONOMIC HARDSHIPS. THE INCORRECT LATE REPORTING ARE AS FOLLOW : 90 DAYS LATE ON XXXX ; 120 DAYS LATE ON XXXX : 150 DAYS LATE ON XXXX : Be advised that the incorrect reporting is detrimental to my credit and is causing substantial harm to my credit reports and it 's holding me back from owning our home one day. Please remove this incorrect reporting from my credit reports and mark as current with the credit bureaus. 
the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete and represent a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against XXXX XXXX XXXX. We have had a mortgage with this company for six ( 6 ) plus years and have had nothing but problems with them since day one. The first complaint is with the Insurance Claim Department. When the severe storm in 2014 hit our town, it nearly demolished our house. When we notified OCWEN about the damage they said we would have to send in an estimated total of the damage to them and our Insurance Company ( XXXX XXXX ). We had our contractor draw up a document showing the estimated damage and mailed it to OCWEN. After several weeks we called to see why we had not heard anything from them. OCWEN 's people said the original copy of the estimate had been misplace or lost and they asked us to send a duplicate copy. This happened over and over again and when we 'd call about this situation, the OCWEN person did n't speak or understand plain English so we got nowhere. We ended up sending the same paperwork to them 3 or 4 times. Then when they finally found the original estimate they contacted our Insurance Company and DEMANDED that the entire amount of the damage be sent directly to them. The Insurance Company felt so threatened by OCWEN, they mailed the entire check to them. Then OCWEN told us that they would only disperse 1/3 of the check to begin the project. This amount barely covered the amount of materials that were needed to get started on this project-not to mention paying the contractor or his helpers. We had to go through this mess of getting the money 1/3 at a time, sending in more paperwork over and over again, speaking to OCWEN 's people who did not speak or understand English. Then, three ( 3 ) years later we finally got our house finished. ( We had to borrow {$10000.00} for the final step because OCWEN would not release the last 1/3 until the house was finished. This was a very trying ordeal to go through and on top of that my wife was in the hospital when the storm happened and it was very hard on her. She was fighting an XXXX  XXXX XXXX which turned into XXXX. When she got released she was n't able to come back to her home because it was in shambles. She had to stay elsewhere until it was fixed up enough that her health would allow her to move back in. It was n't completely done by any means, but it was tolerable for her health. We feel like this could have been a speedier project of repairing or fixing our house and we should n't have to had endure all of the problems that we did.

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 2019-10-04
Company: MARINER FINANCE, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Couple month ago i get this loan and it was paid and still is under payment on good standing.The company Mariner Finance they report wrong information 's such is collection this account and they dint want to fix the problem even the loan is still underpayment and good standing

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 2017-11-18
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of this year, XXXX I sent a dispute to XXXX, XXXX and XXXX questioning the balance, which I have found to be incorrect/inaccurate on a debt with Wells Fargo Dealer Service. The dispute result came back verified with NO change. I then asked XXXX, XXXX and XXXX to let me now how they verified that this information was in fact correct, they said that they contacted Wells Fargo Dealer Service to verify this information. I tried one more time in disputing the balance, in which is inaccurate. They again said it was verified. 
So, the next step on XXXX of XXXX, XXXX I sent a request certified mail asking to send me the deficiency balance ( 9-616. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY ), how they got to that balance ( accounting documents ) and a ledger representing my payment history, in which they did not comply. They sent me a " canned '' response template letter requesting my date of birth, 10 digit account number, social security number and a description of what i was requesting. The original letter dated XXXX XXXX, XXXX had this information in it. 
Due to the law, and Wells Fargo Dealer Service not complying with UCC 9-616, my attorney let me know to send another letter to them to recover under subsection ( b ) {$500.00} in each case from a person that : ( 5 ) fails to comply with Section 9-916 ( b ) ( 1 ) and whose failure is part of a pattern, or consistent with a practice, of noncompliance ; or ( 6 ) fails to comply with Section 9-616 ( b ) ( 2 ).
I have re-sent another letter today, certified mail, return receipt disputing this debt again to XXXX, XXXX and XXXX, as well as a direct creditor dispute in which I am sending Monday the 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 non-monetary relief
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requesting for a removal of old addresses on my and unknown addresses that appear on my credit report. I am a victim of Identity theft. My SS Number was comprised around XXXX. I am unaware of these following inquiries the are not authorized. XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX companies above never had permisson to run my credit report. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TN 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