BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: NATIONSTAR MORTGAGE LLC
State: UT
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:
Nstar/Cooper is reporting a negative balance and negative account since XX/XX/2013 and the account was taken care of in the loan modification in XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I FOUND A DEBT OWED TO XXXX XXXX ON MY CREDIT REPORT. I WAS NEVER NOTIFIED OF THE DEBT AND THE AMOUNT IS WRONG. I CALLED AND WAS GOING TO SETTLE THE ACCOUNT BUT IT SAID I OWED FOR EQUIPMENT WHICH I PERSONALLY TOOK BACK TO THE LOCATION ON XXXX XXXX IN XXXX OK. THE DEBT HAS NOW BEEN SOLD TO ANOTHER COLLECTION AGENCY IC SYSTEMS AND I WAS GOING TO PAY THE ACTUAL BILL BUT THEY REFUSED TO TAKE OFF THE {$120.00} EQUIPMENT CHARGE. I THEN CALLED XXXX XXXX AND THEY CONFIRMED RETURNED EQUIPMENT AND BALANCE OWED IS XXXX I TALKED TO XXXX AND THEN XXXX IN BILLING WHO REQUESTED A FORM TO CONFIRM THIS.

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 2018-09-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/2016 I paid my monthly bill to Wells Fargo. I sent the payment in on the day it was due, but because it took Wells Fargo time to process it, my payment didn't go through on time and my loan went into default. Back when I was paying my Loan through Wells Fargo, I tried to work with them because I was in a bad financial spot, my dad just losing his job, not having a job myself, and struggling to make ends meet. I had to drop out of school because I couldn't get loan for my second year ( Wells Fargo denied my application even after having two cosigners and a loan history with them ), which is how I got into this situation in the first place. I did the very best I could to make these payments, but Wells Fargo would not budge on the minimum payments. After trying to figure out if there was any way to take my loan out of default, I found that there is no other way to without having to pay off a huge balance. I started making payments, but with the late payments reflected on my credit score it is impeding my progress to get out of my current financial burden.

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 2018-09-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have several issues. When I first took out the loans in college I was not informed at all, now due to the high interest rate ( My interest rates are 8 %, 11.5 %, 11.5 %, 11.5 %, and 11.5 % ) I owe over {$100000.00}. Every time I have asked about ways to lower the payment because I can not pay over {$1000.00} a month I was always told there is nothing they could do. Navient ( Sallie Mae ) are making threatening and harassing calls to me, my co-signer and other family members which they should not even have numbers for. They have somehow gotten my Vet XXXX aunt 's number, my mothers number, my husbands number. My co-signer is my XXXX something year old grandmother and they threaten to put her in jail, take her house drain her retirement. I have five separate loans to Navient and just now have gotten 3 of them in a hardship repayment ( still paying almost {$200.00} a month ) yet to add the other two this is still over {$500.00} a month and I can not afford that. They are still sending threatening letters and making harassing calls to my grandmother tell her they are going to sue her if she does not make the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint is to Wells Fargo Mortgage. The issue is my XXXX mortgage interest reported in XX/XX/XXXX and in XX/XX/XXXX. ( I have yet to check the prior years so there may be additional problems ) My XX/XX/XXXX XXXX is not correct. The amount listed is about {$4000.00} too less. I paid more into my interest for my mortgage tax. I asked and Wells Fargo said it is less because they gave me a refund in prior years. That is not legally correct to do. First off, I did not receive any money and have NO receipt for such. My XXXX does not show a refund either. Nothing was ever refunded to me. So Wells Fargo is admitting the number is incorrect however their reason is incorrect and never occurred. 


My XX/XX/XXXX XXXX has been reported to me by Wells Fargo in a letter a few months back that it is not correct and they made an error and will provide an amended XXXX. They never provided this amended XXXX in spite of my multiple requests as well as customer service submitting a request on my behalf. 

This is very serious actions on their part and have to get resolved immediately. 

My escrow also was never resolved. 

Wells Fargo still owed me thousands of dollars due to a bad modification they refuse to resolve. It is going on for years since XX/XX/XXXX. They were trying to force me into signing an illegal restructure of my mortgage which had a order preventing me from discussing the matter with anyone and preventing me from correcting any errors I may find after signing. I told them this is illegal and they tried to lie their way out of it. 

Because I did not sign the restructure agreement, WF never settled with me and still owes me a lot of money due to their errors with my modification. They refuse to resolve this matter. 

XXXX XXXX XX/XX/XXXX XX/XX/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 2018-06-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
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've spoken with these two companies several of times about this issue. I am trying to rectify this matter however ; these companies aren't in compliance with the laws. I've asked several of times for proof of account being paid in full and also stating that they would have item removed, both representatives refused to send the letter, but kept stating the matter would be taken care of. I asked for proof because I don't feel comfortable paying these items without proof that it's paid and will be removed from credit. Far as Wakefield & Associates I've explained to the rep. that I am in a hardship and at the time of services I used my health insurance which paid the balance in full and I'm not even understanding why I would to pay over {$1200.00} out-of-pocket when this balance has already been paid. I informed him that I would settle this amount for {$75.00} because that is all that I have and that I am in-between jobs right now and that this matter is hindering me from getting a job and he laughed, asked me " are you kidding me you have a large balance '' and refused to assist me. I asked for a supervisor several of times and he refused to send me over to one only denied that there isn't one around, only to send me to a guy by the name of XXXX with a very bad attitude whom stated he was a team lead. This company has violated my rights as a consumer and violated several laws per FDCPA. I am willing to settle Wakefield and Associates for the amount of {$75.00} being that they purchased the debt, added fees and it's already been written off as a profit and loss. I am willing to pay XXXX in full but I need for this item to be removed from my credit and I need a letter prior to paying.

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: CHALLENGE FINANCIAL SERVICES
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CHALLENGE FINANCIAL SERVICES - XXXX, CA CAR LOAN HAS BEEN INAPPROPRIATELY CONFIGURED AFTER WE RETURNED A VEHICLE AND RECEIVED OUR CURRENT VEHICLE. IN XXXX I RECEIVED TAGS FOR THE VEHICLE THAT WE RETURNED. WHEN I QUESTIONED THE COMPANY ABOUT PROVIDING ME INFORMATION FOR RELEASING THAT VEHICLE THINGS THEN TOOK A TURN FOR THE WORST. 

ON XX/XX/XXXX I REQUESTED A SUMMARY STATEMENT FOR MY ACCOUNT AND THEY HAVE REFUSED TO PROVIDE ME THIS INFORMATION. I OFFERED A FAX NUMBER AND AN EMAIL. THEY DEMAND I CALL THE OFFICE. I DID AND THEY WILL ONLY POST MAIL IT TO ME. 

ON XX/XX/XXXX OUR VEHICLE WAS REPOSSESSED FROM OUR DRIVEWAY. THE DRIVER APPROACHED US AND STATED THAT IF WE DID NOT GIVE HIM THE KEYS HE HAD OUR CAR EITHER WAY. 

TODAY ON XX/XX/XXXX WHEN I CALLED TO TELL THEM THAT I HAD UNTIL THE XXXX TO MAKE PAYMENT ( WHICH I BELIEVE I AM CURRENT ON ALL PAYMENTS FOR THIS VEHICLE ) THEY STATED ON THE PHONE THAT I SHOULD HAVE NOT THREATENED TO GET AN ATTORNEY AND STATED TO GET MY VEHICLE BACK I WOULD HAVE TO PAY {$2100.00}. 

I DO NOT HAVE THE MONEY FOR AN ATTORNEY AND THE 24 % INTEREST CHARGE THAT I AM PAYING FOR THE VEHICLE SEEMS TO BE HIGH FOR US TO ACTUALLY MAKE HEADWAY ON THE PRINCIPLE. I HAVE REQUESTED AN AMORTIZATION TABLE TO SEE HOW MUCH HAS ACTUALLY BEEN PAID ON THE VEHICLE AND THIS HAS ALSO BEEN DECLINED. 

SO NOW I AM OUT OF A VEHICLE AND MY MONEY DOWN. THIS LEAVES ME NO OTHER CHOICE BUT TO APPEAL TO YOUR BUREAU FOR COMPLIANCE OF UNFAIR BUSINESS PRACTICE AND LENDING LAWS. 



.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-04
Company: Seterus, Inc.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was approved by XXXX XXXX for trial modification, but my incompetent loan servicer once again is trying to take legal action to seize my home. I am not sure why CFPB has not passed on my complaints to a the federal regulators as they continuously damage my credit, lie about payments, and now sending me an Act 91 notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Alliance One, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling constantly to collect a debt at any time of day or night. It isn't a person it's an automated call. I'm blocking the number and I'm getting thrashed with calls anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XX/XX/2018 filed for a short sale XX/XX/2018 notification of incomplete materials submitted XX/XX/2018 materials submitted and approve XX/XX/2018 denied for expiration of materials Resubmitted in XXXX application complete XX/XX/2018 approved for sale XX/XX/XXXX nitrified of expiration of submitted materials Reapplied no communication from Ditech Mortgage or XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So far, they keep calling me without any answer, when you call back it goes to XXXX XXXX saying i owe them money **secure** ( i have 2 credit cards and neither are in financial trouble and are well maintained and as far as im aware my idenity is still secure. ) **secure** The person on the phone then says they need my address, im not giving my address to them i respond, they say ok, place of employment, again not giving that out, ok then you NEED to give us your social security number or were going to call the police and bring you to court on counts of fraud. I took their bluff and said your violation a government agreement, he simply started yelling that with your outstanding debts your rights are going to be revoked if i do not get this information. I promptly hung up after the conversation and im still not arrested, so far they called me twice.

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 2020-08-21
Company: TRANSWORLD SYSTEMS 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:
Transworld System continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that XXXX XXXX reported this entry XX/XX/2020 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Transworld. To that end, I sent a letter to Transworld Systems. Transworld has stated that the account was marked as in dispute ; however, my previous letters to the bureaus reflect that I was  disputing this entry. Why then did they wait to dispute when I disputed with them directly. If they verified the entry as reflected on with the credit bureaus then they should have updated the account to reflect disputed at that time not later. 

To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. As a matter of fact, the attached letter they sent reflects they do not have any information to validate the inaccurate entry they are continuing to report. Additionally, they state they are unable to complete an investigation in a timely manner. This is not my fault and being that they are the company reporting and do not have sufficient evidence to support this negative entry, they must delete it. 
It is obvious that Transworld will not be able to validate their allegation with documentation ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions Inc.
State: NV
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:
I have on several occasions tried to have the credit reporting agency remove some inaccuracies for my personal information on my credit report. The reporting agency has some addresses listed as " apts '' that are not. The agency has some unit numbers listed incorrectly on a number of occasions. The agency has a great amount of addresses that are listed incorrectly ; i.e. apartments, single family, business, and WILL NOT remove them. Furthermore, my legal name is either repeated or reported incorrectly and these illegal entries are reporting falsely 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 explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: TN
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:
I have filed multiple disputes with Equifax in the past for the following accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX On XX/XX/2018 I sent a method of verification letter to Equifax via certified letter, and on XX/XX/XXXX that letter was delivered. It has been past fifteen days and I have not received any information verifying these accounts. I am interested in their verification methods for many reasons. For instance, I have filed multiple complaints thru Consumer Financial Protection Bureau and each time I receive a response stating that XXXX XXXX XXXX did not respond to the complaint. I also have tried to contact them myself. I have not been able to talk to anyone about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I submitted a complaint online with Equifax and received an email telling me the dispute was resolved and to check my results. I tried checking results online and the system keeps telling me my information is incorrect and won't let me access my results. I then tried their automated phone system which asked me for my 10 digit confirmation number. Each time I entered it CAREFULLY it told me it wasn't 10 digits - it WAS!. I then called and was asked about 7 security questions, giving them exact info off my various statements and they would tell me my info was incorrect - even though I was reading it directly off the statements. Finally pass this test and they tell me that the address on my utility bill I submitted matched what was on file for my address and the woman even read what was in the file - how do I get through to these people who are clearly working in another country that my address, although it has one part of it that has the same name as the address on file, is not the same as the one on file. The address on file is 2 miles away, I have never lived there, and I get mail delivery problems all the time  because it is a similar address, but it is NOT my address nor has it ever been my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
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:
ftc violation sent all the documents over they need to fix this fcra violation is not mine hacking reports cybercrime division and police reports

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: Experian Information Solutions Inc.
State: OK
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:
Experian, XXXX XXXX, XXXX - I have an old C.C. account ( XXXX ) - ( it now has new last four digits ) with XXXX XXXX. I've had this account for more than 12 years ( I'm not giving the exact time ) and I was 30 days late on a payment more than 9 years ago and they are still reporting me as having a late payment history. I have contacted all three credit reporting agencies and XXXX XXXX credit card services and they all give me the same reason for not having the item removed - " We are required by law to accurately report your payment history. If you can show proof that this information is incorrect simply submit your dispute in writing and we will investigate and then get back with you regarding our findings ''. Seriously! I'm not disputing the fact that I was late on a payment - but am I to be punished for the rest of my " credit '' life for being 30 days late ONE TIME - YEARS AGO? That's TERRIBLE! A XXXX  can get paroled and even a commuted sentence but a 1 time late payment stays with you for LIFE. Surely there is SOMETHING that can be DONE? Please help

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 2018-02-23
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 tried to settle a debt with XXXX XXXX finance company ( debt collector ). Set ach payment with them and asked to settle remaining debt of {$460.00}. Collector refused and said I have to pay the full amount. The company never disclosed that if I set up an ach it voids me from settling the debt. I think it is unethical. Then they asked to settle debt for {$30.00} less. They also send statements with the amount they draft from me and not a actual balance. Also did not disclose reference number for stop payment of ach.

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 2018-11-06
Company: AMERICAN EXPRESS COMPANY
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:
ftc violation sent all the documents over they need to fix this fcra violation is not mine hacking reports cybercrime division and police reports

Company response to consumer: Closed with explanation