BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-02-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
Midland Funding LLC Successor in interest to XXXX XXXX XXXX represented by XXXX XXXX  XXXX sued me and I responded to the lawsuit stating I will pay {$50.00} a month until debt is paid in Full. So they asked for payments on a website at XXXX. Which I did every month to total of {$65.00} until one day the web page return with XXXX not found. I no longer could reach XXXX XXXX   XXXX. Now I'm being sued for Judgment and Writ of FlFA from a XXXX XXXX XXXX. XXXX  stating I defaulted. I never heard of them. I don't know what to do. I just keep trying to clear this up so that I will not lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Syndicated Office System dba Central Financial is refusing to supply us with a statement of money owed. They claim they are not attempting to collect this debt because it 's too old but yet they continue to report it the credit report companies. I am trying to secure a loan but have been told I have to pay the debt at closing to complete the process. Syndicated refuses to give me a statement showing who to pay, where to send it, my account # 's ( 3 ) and the total amount due. The bank requires it from them on their letterhead. I have never heard of such a thing. Their representative told me to dispute it with the credit reporting companies which takes 30 days. The bank is not going to wait 30 days. This company is truly putting a hardship on me. I believe this is very unethical on their part. Are they being spiteful because it 's to late to collect their money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage services my loan. XXXX # XXXX. At their prompting I began to set up online access to my loan for information and payments. While reviewing the terms and conditions I found language that would give Wells Fargo permission to disregard some of the benefits granted by the VA loan guarantee. In particular, VA loans require that lenders allow early payoff without penalties and fees. If I had agreed to the terms and conditions I would be giving Wells Fargo the right to decide whether they wanted to allow early payoff or not. I clicked that I did not agree with the Terms and Conditions and stopped trying to access Wells Fargo online. I received numerous emails requesting that I finish setting up the online account. I spoke to Wells Fargo Home Mortgage on the phone to stop the harassment. I was informed that I would continue to receive emails because they were automated. They said if I wanted to stop them I would need to finish setting up an online account and go through the notification preferences. I explained that was not an option because I was unwilling to sign away the benefits of my VA guaranteed loan. They lied and said that I would not be doing that. I informed the customer service rep that the language was indeed in the terms and conditions they said that Wells Fargo would never exercise that condition. I requested that I be mailed a paper copy of their online terms and conditions. My request was refused because I had chosen to not participate in their online services. I wonder how many Vets have unwittingly signed away their protections just for the privilege of making online payments?

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 2023-05-07
Company: Experian Information Solutions 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:
I have identified items on my consumer report that are a result of identity theft. Please see the attachments for further details.

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 2019-08-21
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a mortgage account for Specialized Loan Service account # XXXX which has been closed and paid off in XX/XX/XXXX. I notice a 60 day late reporting for me in XX/XX/XXXX.This is  hurting me tremendously and is completely inaccurate.

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 2018-04-06
Company: Navient Solutions, LLC.
State: IL
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:
I filed a chapter XXXX bankruptcy. In the agreement, I was told that Navient would roll my loan with XXXX XXXX XXXX that they bought into the agreement that they gave me with Navient. I was to have a 71 % discount on the loan, and receive a 0 % interest rate. Navient told me that they would implement this once they switched over the XXXX loan once it was serviced by Navient. Currently I filed 2 complaints with Navient because the loan was transffered over. Their lawyer XXXX XXXX, said that they would be implementing this on the Naveint website.

This was to be done at the beginning of the year and the balance was supposed to be reduced to around 9k, and to be shown at a 0 % interest rate and paid over 30 years. However this did not happen. 

Now this is affecting my credit with Navient, and they are about to charge off the loan and can't find the agreement. On a previous complaint with CFPB Navient stated they would be implementing the 0 % 71 % discount once the loan was transferred over. 

It was never. I can not pay this outrageous amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/19 I applied online for the new Apple Card managed by Goldman Sachs. I was shocked and disappointed that online I received the message that I would receive their response by USPS. I waited and waited for their response, and never received anything. Eventually after contacting XXXX XXXX at Apple, I did get an email resonse from Goldman Sachs saying they were denying my application for the Apple Card. I reached out to Goldman Sachs to discover their reason for the denial. I was told that the reason was that " I was too poor for any credit card. '' Finally I received an email about the denial. In the email the excuse for denying my Apple Card application was that " my monthly debt obligation was too high. '' I don't have any monthly debt beyond my rent payment. I have several credit card with a XXXX  balance and a credit limit of between {$5500.00} and {$12000.00}. Apparently Goldman Sachs is the only company operating with this gender discrimination. Based on the current XXXX  XXXX reports, I now believe that I have been discriminated based on my gender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Several unauthorized charges were made on my Visa account with the Bank of America in XXXX. I noticed three of them when reviewing my statement. Also I was notified by email from B of A of a questionable charge in XXXX which the bank had declined. I phoned the bank at the XXXX number on the card, still in my possession, not lost or stolen. The B of A person at my request closed down the account. A new card with a new number will be issued and the account will be reactivated in about six business days, I was told. The total known loss at this time is about {$130.00}. B of A is giving me a temporary credit of {$130.00} while they do their processing. I believe my account has been active for over ten years. I do not know how the account was compromised. I have never given the card to any other person to use. I have only one recurrent charge on the account, a subscription with a business named XXXX 's XXXX for aviation publications which are reissued periodically. 

On XX/XX/XXXX I filed a police report with the XXXX XXXX CA police department at the request of the B of A representative describing these events. 
Submitted TO CFPB on May 212, 2021 by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA 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 2019-11-12
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan Servicing is absolutely ridiculous. NO HELP is ever provided, the customer service reps talk in circles and give inaccurate information. When trying to actually resolve my issues, I can never get a straight answer out of these people. Since dealing with these people, I have literally called at least 25 different times and I always get the " run around ''. Each time I have called, it always says, " this conversation may be recorded ''. Check my recorded phone calls! Since 2016, I have made ON TIME payments and they are saying only a small portion of the payments I have made actually qualify under the 120 payments for the Public Service Loan Forgiveness. I know I have made at least 36 payments and they are saying only 18 of those payments " qualify '' and they can't give me an answer as to why only a portion qualifies. Over the years, FedLoan Servicing has put my account in Forbearance at least 6 times without explanation or my approval. I told them to keep my account out of forbearance and they keep doing it. I also kept making my monthly payments, on time while they put my account in forbearance. Each time, my account was in forbearance it took an act of God to get them to take the forbearance off my account. I have filed a complaint with the Department of Education about Fedloan Servicing and all they did was send my complaint to FedLoan to deal with, which isn't right! It took over a month for XXXX with Fedloan to even contact me about my complaint and then my complaint was not resolved. I contacted XXXX again telling him I wasn't satisfied with my " results '' and never heard back from him or ANYONE in Fedloan Servicing. I have documentation and emails. And recently, they doubled my monthly payment without contacting me or providing explanation for doubling my payment, which I can't afford. Fedloan Servicing is the absolute worst loan company to deal with. Their customer service is terrible and they can't resolve any issues for you. Please look into this company and I would like to speak to someone about my issues!! Should I hire a lawyer??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not XXXX days late. 
XXXX Account Number  : XXXX Please correct/update this inaccurate information on my credit report. 

3. This Account was not XXXX days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This Account was not XXXX days late. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

10. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

11. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2020-05-21
Company: TCF NATIONAL BANK
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a checking accout at TCF Bank in XXXX, AZ. When I initially opened the account I was given the option to have " overdraft protection '' which I declined not once but several times. 
The reason why I declined the overdraft protection was in the recession in XXXX ' one of the banks that I had a checking account allowed me to overdraft my account via my debit card over 1000.00. I was under the impression that 1 ) the  debit card would be denied, 2 ) with that amount of ovedraft how come no one called me. I ended up with several hundred dollars in overdraft fees and cost. This was the reason why I declined the overdraft. 

I had the account for several years. I went on a trip to XXXX XXXX and knew that my account balance was low on my TCF debit card and still used it since as in the past when the debit went down to " XXXX  '' no overdraft would be added. In XXXX I used the card and never was stopped from using it so quite naturally I figured I had funds in account since the card wasn't being denied. 

I travel alot and sometimes when the balance was low I would place more funds in the account. On one occasion when I was back in AZ I went to the TCF bank in XXXX where I was told that my account was closed for lack of funds and saw then that I owed again several hundred dollars in overdraft fees. 

When I contacted TCF bank in MN the lady told me that at the time I opened the account that I had requested the overdraft which naturally I declined which was a lie, and then the lady said that later on I asked for the overdraft protection which of course I denied. 

I asked for documentation such as a copy of my bank application when I opened up the account and also for any other request from me to have the " overdraft '' protection which naturally I haven't received. 

If you go over the history of my account you will see that for three years there were not overdrafts and then on this " XXXX '' all XXXX broke loose. I contact the Department of Consurer Affairs and the Attorney General in AZ and was told to contact the Department of Financial Institutions. I  have volumes of letters from TCF Bank and the State agences that I requested help. 

TCF then went to a collection agency which of course has " Killed '' my credit and I don't deserve this false action. Because of this credit negative report on my credit report I now have to pay higher auto insurance and have declined to rent homes because of my negative credit report. I don't buy anything on credit mostly cash. So I did not have that much actions on my credit report in the first place. I will be more than happy to send you a complete file of the geneology of my letters and frustration with TCF Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: URS Holding, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company Contacted me by letter on XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XXXX and told them that this was not mine. This company also called me today on XXXX/XXXX/XXXX. And also they have called me several times before way after the hours of XXXX at night. This is so wrong on so many levels. They demand every single time {$3200.00} and use some very disturbing language with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
we were advised by the lender the file was removed from review due to missing items - All missing items were provided for the review 3 times and the lender refuses to accept the information being provided - it was requested to provide the clients husbands income for review of the modification - XXXX XXXX is not on the mortgage and did not start work until XX/XX/XXXX he has been unemployed since XX/XX/XXXX- XXXX does not have a bank account - all transactions are completed by cash only - there are no tax returns due to the business being only started since this year and he is not required to file for the earning of this year until next - We were also advised that a sale date was set on this file XXXX - when the file should and was under review with the lender - the lender has set this date for XX/XX/XXXX - this is considered Dual tracking and is in violation of Regulation X. The file should have been deemed complete for this review - the lender has been provided a letter of explanation regarding the husband 's income to satisfy their requests. We have also requested the income from the husband be excluded from the review if the Letter of explanation is not satisfying the requests. The lender has not completed the review of this loan properly and did not reviwe this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: EQUIFAX, INC.
State: IL
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score XXXX value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Original Creditor Company Inquiries 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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Original Creditor Company Inquiries 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