BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, The reason I am writing is due to not receiving timely updates from my loan servicer, MOHELA, regarding XXXX XXXX XXXX XXXX documents I continue to upload for the Dept of XXXX. I resubmitted my XXXX XXXX multiple times, after learning that there was missing information on XX/XX/XXXX. It was resubmitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been in the XXXX program for a number of years now, and have uploaded the same Employment Certification many times, but never had issues with " missing information '' when XXXX serviced the loans. Since the loans have been turned over to MOHELA, I am unable to receive any updates or information about my XXXX  qualifying payment count. 

MOHELA continues to provide this same response, but no further information : " As of this writing our records indicate that we received your XXXX  applications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please allow XXXX business days for processing. Once a decision has been made you will receive notification of approval or denial. No additional steps are required of you at this time. We will continue to process your manually submitted XXXX form using the date an authorized official from your employer signed your XXXX  form. To receive benefits of the limited XXXX  waiver, the employer 's signature and date on your XXXX  form must be on or before XXXX XXXX, XXXX, even if you submitted your form at a later date. '' When I last spoke to a MOHELA representative, they told me to reach out and check on my qualifying payments IF my Employment Recertification was not processed by XXXX. I messaged MOHELA today because if I call, it gets me nowhere ( same lack of info from the representatives ) but I do spend A LOT of time waiting on the phone.So after months of waiting, I still do not know what my current XXXX  count is. The XXXX count is critical to planning for my future career move, so it is urgent that I receive the most up to date count as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my first time filing for bankruptcy and I was told per my attorney that, a credit company that is listed as a creditor can not in any shape of form request, change or collect any monetary payments. XXXX is plastering late payments and adding extra fees the account. Instead of reporting close and removal of late fees, XXXX   is steadily adding late fees and late payments to the credit report. I have 6 late fees reporting and they need to be removed from all credit reporting agencies. 

The photos listed is how all of the accounts are reporting. There is 6 on time payments so why not remove the negative? Why not let the past go and move on to the future?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: First Federal Credit Control, Inc.
State: OH
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 was a patient at XXXX XXXX ( hospitsl medical ) in XXXX XXXX, Ohio.The First Federal Credit Control put 8 seperate reports on my credit report. They itemized the indivual daily charges. There 5 at XXXX.. XXXX.. XXXX.. {$61.00}. 
This has affected my credit report as well as my score. If they add all charges into one derogatory credit, it will improve my report and score tremendously. I was under the impression that medical bills not supposed to be on reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: LA
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 denied Deferment due to deferment time already being used in previous 3 years when applied. 

XXXX issued a letter to me stating " deferment denied '', reference Navient letter dated XX/XX/2019 # XXXX XXXX XXXX XXXX, which I posted to ALL three credit bureaus to requested they correct their documents for my credit report. 

XXXX also in parallel issued a deferment of accounts to all three credit bureaus, which resulted in a 53 point drop in my credit scores, while issuing a denial letter to me. 

To be clear, I do NOT have a deferment with XXXX, it was denied, but reported to the three credit bureaus, resulting in a 53 point drop in my credit scores. 

I requested to XXXX to correct their records between the credit bureaus and Navient, they refused. 

I requested Experian, XXXX  and XXXX   correct my credit with the denial letter from XXXX. 

Experian has refused to correct my credit score with the certified letter from XXXX stating that the deferment was denied, and notes my accounts as deferment granted, which is incorrect for the deferment was denied. 

XXXX has corrected my score with the XXXX   letter presented to them, and raised my score 53 points after incorrectly reducing my score as described above. 

XXXX  has not responded to date.

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 denied Deferment due to deferment time already being used in previous 3 years when applied. 

XXXX issued a letter to me stating " deferment denied '', reference Navient letter dated XX/XX/2019 # XXXX XXXX XXXX XXXX, which I posted to ALL three credit bureaus to requested they correct their documents for my credit report. 

XXXX also in parallel issued a deferment of accounts to all three credit bureaus, which resulted in a 53 point drop in my credit scores, while issuing a denial letter to me. 

To be clear, I do NOT have a deferment with XXXX, it was denied, but reported to the three credit bureaus, resulting in a 53 point drop in my credit scores. 

I requested to XXXX to correct their records between the credit bureaus and XXXX, they refused. 

I requested XXXX, XXXX and TransUnion correct my credit with the denial letter from XXXX. 

XXXX  has refused to correct my credit score with the certified letter from XXXX stating that the deferment was denied, and notes my accounts as deferment granted, which is incorrect for the deferment was denied. 

XXXX has corrected my score with the XXXX   letter presented to them, and raised my score 53 points after incorrectly reducing my score as described above. 

TransUnion has not responded to date.

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 2021-06-18
Company: Westlake Services, LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid this loan off in XXXX. I do now know why Westlake is assessing a {$280.00} past due payment or for what. I received a letter from them in XXXX stating a payoff balance for the loan, but I already went through that process! I do not believe I owe them {$280.00}, there must be some kind of mistake, and Westlake is acting like they have no knowledge of any of 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 2019-04-13
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I need to have my alleged debt with Cavalry SPV I LLC addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing ( SLS ) LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX   XXXX XXXX The short sale was started XX/XX/19 with SLS. On XX/XX/XXXX we were told the file was complete.

After being lied to several times on EVERY PHONE CALL, we were finally countered on XX/XX/XXXX. THE BUYER MET THE COUNTER ON XX/XX/XXXX.

On XX/XX/XXXX we were told that underwriting somehow allowed some tasks to expire in early march, requiring the file to be re-underwritten.

On XX/XX/XXXX we then filed CFPB complaint # XXXX, and subsequently were corresponding with a manager XXXX who on XX/XX/XXXX agreed that should not have happened. Keep in mind that throughout this entire process, we called faithfully twice a week and we were assured each time that it was under review and moving forward and at NO TIME were we told that it wasn't actually an open short sale. He assured us he would be working with us to quickly resolve the situation.

******Fast forward four weeks later and we are still having problems with obtaining truthful information and four weeks does not fit the definition of a quick resolution.

On XX/XX/XXXX we spoke with XXXX, who told me it had been sent to the investor and that there would be an update by Friday XX/XX/XXXX. Spoke with XXXX again on the XX/XX/XXXX and was told the same thing and asked to have a manager call me back.

Today, XX/XX/XXXX we called in and were told that they will not have an answer anytime soon, that the clock started over on the XX/XX/XXXX when we sent in the last document and now they have 30 MORE days to render a decision. The rep today was rude, refused to escalate file further and refused to allow me to speak to any manager. We did subsequently receive a call from XXXX  who says he escalated the issues to his manager and the processing teams manager. Which we appreciate, but doesnt rectify or solve our current problem of being continually and purposefully given inaccurate and outright false information. In passing along all the false information we have been given to the buyer, we have lost the buyers trust and faith. Here we are nearly two full months after the buyer accepted and met all terms dictated by SLS, and we havent even passed processing on this file.

SLS continually makes up document requests in an attempt to milk the servicing fees out of the investor, XXXX XXXX. They are defrauding the investor.

I want SLS to be investigated for these continual and deceptive communications. I want the short sale approval letter that we should have gotten shortly after the buyer accepted SLSs counter offer on XX/XX/XXXX. In addition, I want all employees in the loss mitigation department to be properly trained in how to read, and communicate accurately, the status of loss mitigation files.

CC : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Navient Solutions, LLC.
State: IN
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 loan from Sallie Mae to attend XXXX XXXX XXXX XXXX XXXX. Before getting the loan I spoke to the school and advised them that I had XXXX and was not sure that I could attend as I would not be able to go to the campus very often or easily. XXXX XXXX assured me that this would not be an issue. The total loan amount I received from Sallie May totaled to around {$25000.00}. While attending the school I was also dealing with my medical condition and also working full-time. Without warning I was kicked out of the school from not being on the campus enough per week. I attempted to reconcile this with the school with no success. As I was paying on the student loan I noticed that none of the loan amount was ever refunded back to Sallie Mae. There were several courses, text books, and certification exam vouchers that I paid for with the loan, and I never received these materials from the school. I attempted to contact Sallie Mae to see if there was anything they could do with the school to have them return the remaining money for courses and materials that I did not use or receive and they would only advise me to contact the school. 

The loan servicer eventually changed to Navient. I kept repeating the process of attempting to have money returned to the loan servicer or for me to receive the materials and courses that I was not allowed to get from the school kicking me out. I still have not been able to get any progress on this. I don't feel I should have to pay the full loan amount for services or books/exam vouchers that I did not receive. 

Now, several years later Navient is not sending me any mail or anything regarding my student loan and am not able to make payments. It is listed as closed on my credit report but they are still reporting late payments on the account and it is still accuring interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Account information has not been removed after after XXXX years of been their income information is incorrect and does not show that it has been properly handled

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 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Good evening I would Like to file a formal complaint on Transunion I have asked them about 3 times to investigate And remove incorrect reporting on my credit report But they fail to do so. there are a lot of major Violation on Transunion behave.. fcra says each account must be reported 100 % accurate CFPB I WOULD like to point out a few Violation on Transunion behalf XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX No account number Incomplete info Please delete This account asap This account Is showing a pass due balance per FCRA No closed accounts should show a Monthly payment Transunion Remove this account ASAP OR I WILL FILE A LAWSUIT FOR FCRA Violations

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 2021-02-04
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account at Coinbase and Coinbase XXXX  to trade bitcoin. I went through the identity verification process successfully. I then added my bank account to transfer funds to my Coinbase XXXX account. This worked. I initiated a transfer of {$600.00} to my Coinbase account. Very soon thereafter Coinbase put my account " under review ''. Now my {$600.00} is frozen at Coinbase. I am unable to send the {$600.00} back to my bank account or trade bitcoin. They have in effect stolen my money. I of course submitted a support request. They responded in an automated manner and again later saying they would expedite my account review. I submitted feedback that my problem remained unresolved. My funds remain frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I got my car from usauto in XXXX and they went out of business and now it was given to Westlake. Portfolio. they refuse to give me any information about my car an say even if I pay it off I may not get the title for the car. An there putting extra fees on my payments an I can't afford that I'm on XXXX and I don't have the extra money. Thay want return my phone calls an if the answer when I call they hang up on me.

Company response to consumer: Closed with explanation