BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
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I have sent letters to credit bureaus for outdated and inaccurate information to be removed off my credit report. I didn't get any response within 30 days. All three credit agencies did not respond.

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 2017-11-10
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I filed for forbearance through American Education Services over two months ago due to financial difficulties in paying my loans. They have never ruled on whether or not I am due a forbearance, but they are continuing to state that my loans are overdue and that I am at risk for collections. When filing for forbearance, you are told that you will find out within a week whether or not you are eligible, and I am unable to pay for the loans. In not responding, AES is in breach of contract and I am considering seeking legal counsel due to their negligence to perform their stated duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is in reference to complaint XXXX on XXXX XXXX Experian said that it has deleted the 2 " XXXX '' Accounts. On XX/XX/XXXX as shown in the document attached the accounts were deleted from the account. But on XX/XX/XXXX the " XXXX '' accounts were illegally put back on my account which violates 15 U.S. Code 1681e - Compliance procedures

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 2020-09-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTORS ROBO CALLING ME 16 TIMES AFTER CEASE COMMUNICATIONS AT AUTOMATIC STAY IN BK XXXX. I HAVE SCREEN SHOTS AND ROBO CALLING VOICE RECORDINGS ... MY WIFE AND I.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: U.S. BANCORP
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I applied online for a auto loan at the U.S. Bank website. The bank did not communicate with me on the progress of my application ; I did not receive any phone calls, letters or emails.

On XX/XX/XXXX, I made a phone call to my local U.S. Bank branch and spoke to manager XXXX XXXX. She told me that my application had been denied due to insufficient documentation. I said that the bank had never requested any additional documentation from me. She said I can bring proof of my income to the branch and she would appeal the denial decision. I came to the branch on the same day and gave her copies of my recent paychecks. I told her that I did not want to appeal the banks decision if this results in a new hard inquiry on my credit report. She said that there will be no hard inquiry if she appeals the decision.

In two days, on XX/XX/XXXX, she called me and said that she had been unable to appeal the decision because the case had been closed. She also said that I can apply for a pre-approval for an auto loan again ; if I do so, I have better chances to be approved. ( My first application was not a pre-approval ; it was the actual loan application ). She said that if I want to proceed with the pre-approval, I need to come to the branch again and sign the application. I asked her again if this would result in a hard inquiry on my credit report, and she said no, it would not, because the second application is submitted within 30 days from the date of the first application.

I came to the branch on the same day and XXXX XXXX told me that I would meet another banker, XXXX XXXX, to finalize the second loan application. XXXX XXXX actually told me that he did not need my signature to submit my application. He even said that he did not know why XXXX XXXX had told me to come to the branch. According to him, the application process could have been done over the phone. At that time, I became very alarmed as I realized that XXXX XXXX says something different every time I speak with her. I specifically told XXXX XXXX that I do not want to proceed with the second application if it results in a hard inquiry on my credit report. Just like XXXX XXXX, XXXX XXXX also told me that no new hard inquiry would appear on my credit report. He submitted my application and I left the branch. When I came home, I received a notification from XXXX, credit reporting agency, about a new hard inquiry placed by the U.S. Bank on XX/XX/XXXX.

I consider this activity as customer fraud and sales 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 non-monetary relief
Consumer complaint received 2022-10-06
Company: Stellantis Financial Services US Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
To whom it may concern, My auto lender, First investors, illegally repossessed my vehicle. I understand stand my rights as an consumer and what is a consumer transaction. Under US Code 15 section 1602 paragraph I. It states that, any card or coupon book can be a form of credit. That means that the vehicle was paid off through my social security card. And also in section US Code 15 section 1611. Talks about companies willing and knowingly to defraud consumer. So with just these to rights alone, should have prevented First investors from illegally removing my vehicle from my possession. But to further prove that the vehicle had been paid in full and kept into my possession. I had cap insurance on the vehicle. Which by law pays the remaining balance of the vehicle. If I couldnt continue to make payments or if the vehicle was deemed, totaled out.

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 2019-08-02
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Two collections items appeared on each of my credit reports ( XXXX  and XXXX  ) XX/XX/XXXX. The debits are claimed to be from XX/XX/XXXX, for {$50.00} and {$32.00}. I have no knowledge of these accounts. I called their ( AMERIFINANCIAL SOLUTIONS ) number ( XXXX ) provided on the credit reports. On the phone call, I provided my Information ( SSN, DOB, First and Last Name ), the person would not provide an account number or any information on the debit and hung up the phone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Aargon Agency, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Aargon Agency INC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX has been sending me collection notices in the amount of {$300.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

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 2019-06-13
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 fraud alerts or security freezes

Complaint:
I contacted Experian ( XX/XX/2019 ) to lift the credit freeze I had placed on my credit. Since I did not have the PIN Experian provided 15 months ago, I answered all the questions needed for them to send me the PIN. I received the PIN in the US mail ( XX/XX/2019 ), and attempted to temporarily lift the credit freeze, by phone and by experian.com website. I followed the steps required accurately and was asked to use the PIN they sent me in the mail. 

I still could not lift the credit freeze. In the mean time, I am unable to get a pre-approval letter from my mortgage company, because they can not run a credit report. This is causing serious difficulty for our family, and I believe this is unacceptable. 

As a side note, I was able to lift the credit freeze on XXXX  and XXXX  with NO problems. The problem is just Experian.

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 2021-10-11
Company: EQUIFAX, 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 have reached out to the bureaus about the numerous violations that have been furnished on my consumers report. The bureaus are using unlawful tactics to obtain my private information. My consumer rights have been violated an the credit bureaus need to be handle accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied to have a credit freeze placed on my credit reports XX/XX/XXXX with all three major credit bureaus. XXXX and XXXX took a matter of minutes to complete, Equifax required me to call into a number. 
I placed multiple calls XX/XX/XXXX and finally reached someone. I was told they could not access my credit report and had to submit additional information BY FAX including a Social Security card, Passport/Drivers License, or other items to confirm my identity. 
They refused to say what aspects of my credit report were missing or incorrect and would not provide any further relief. 
They have refused to place a freeze on my credit, despite being the company responsible for an enormous data breach that exposed my personal information thus necessitating the need for a credit freeze to further protect myself. I find this position to be completely hypocritical and untenable to all those affected by their negligent caused breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had a home disaster and it was settled with XXXX, which tok a year. I had not been home in over a year and it is expensive for that mortgage and two households. I am not behind in any payments. 

I endorsed the check, along with my public adjustor and sent t to Carrington Mortgage Company LLC. I called them, since I need this settlement to pay for repairs, vendors and be reimbursed by the vendors. I sent in every document they request in the initial packet and thought it would be a simple process. 

Every time I call there, I get a different person on the phone. The claim is not handled by one person. When I ask for a supervisor, generally, they are not available. I am told that something will be done and they lie to me, it is not done. I am not called back to explain why. I need an inspection of my home done, first phase, so it can be completed and fixed. when I get off the phone thinking this is corrected, I call a week later and nothing was arranged and they need, yet another document and don`t explain in detail, why. Carrington is sitting on the money to fix my home, so I can go home. They never call me for any further documents and never inform of anything The supervisors say they will call me back and NEVER do it. They have questioned me and my contractor about me, which is unacceptable. It has been two months and the contractor and vendors need the money to fix the home. The inspection has been delayed by this company for over a month. I asked explicity what they need and they never give me a complete answer. According to the packet I sent them, from day one, they have everything they need. My public adjustor called them to offer and documents and they stated to him they have everything they need. My contractor calls for an inspection, and they never get back to him with a time/date as promised. They are sitting on this money and I can not afford to live somewhere else any further. I am lied to and diverted to the next person and next. I need my home fixed, the rest of the money released and to get this done. Carrington is delaying the process, since XXXX XXXX it has been a real challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Supreme Lending
State: MD
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:
ON XX/XX/2019 I CHECKED MY CREDIT REPORT & FOUND AN INQUIRY ON EQUIFAX THAT I WAS NOT AWARE OF. THE INQUIRY WAS FROM XXXX XXXX SO I CALLED THEM TO FIND OUT WHY THEY WERE PUT ON MY CREDIT REPORT. THEY INTURN TOLD ME THAT THE INITIAL REPORT CAME FROM SUPREME LENDING. I WAS TOLD BY XXXX XXXX THAT SOMEONE ( XXXX ) FROM SUPREME LENDING PULLED MY CREDIT REPORT FOR A MORTGAGE INQUIRY ( WHICH I NEVER CALLED ANYONE FOR A LOAN OF ANY KIND ). SUPPOSEDLY, THAT HAPPENED IN XXXX OF 2019. I CALLED SUPREME LENDING TO GET TO THE BOTTOM OF THIS INQUIRY & THEY COULD NOT HELP ; THEY HAD NO RECORD OF ANYTHING WITH MY NAME ( WHICH OF COURSE, THEY SHOULDN'T ). I CALLED XXXX XXXX AGAIN TO HAVE THEM REMOVE THE INQUIRY THAT WAS SENT TO XXXX & THEY SAID THEY COULD NOT DO THAT. ALSO, XXXX   WON'T REMOVE IT EITHER. I WANT THIS INQUIRY REMOVED ; I DID NOT INQUIRE ABOUT ANY KIND OF LOAN FROM ANYONE!!! 
PLEASE HELP GET THIS REMOVED FROM XXXX. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a car in XXXX/2017 the car dealer sent my information to over a dozen financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Mr. Cooper Group Inc.
State: NY
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:
XXXX - XXXX Nationstar Mortgage could not show any paperwork regarding mortgage or note, except public record copies. 
XXXX - XXXX, attempting to put an end to this, I Fully Satisfied the Note & Mortgage XXXX - XXXX they were allowed to continue towards foreclosure and return payments instead. 
XXXX - XXXX No payments returned, they foreclosed on a debt free home, kept all payments and are now evicting me. 

The judgment of foreclosure was achieved through fraudulent paperwork based on public record copies and with super imposed signatures. 
The home has been debt free and clear since XX/XX/XXXX. XXXX XXXX and Nationstar are involved in fraud and unjustly enrich themselves. 

Attached please find : 1 ) Payoff statement request, 2 ) Copies of both Lump sum Payments, 3 ) e-mail from Natiostar thanking me for the two payments, 4 ) XXXX reporting the mortgage / note Active before payment and Inactive after payment was posted into their account. 5 ) independent real estate company who looks up loans and leans on properties show that the home holds no debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I reside in Texas.i signed a LESSEES AFFIDAVIT OF PRIMARY NON INCOME PRODUCING VEHICLE FORM # XXXX I believe is an exemption from my having to pay property tax on this vehicle..I was charged a miscellaneous fee of {$110.00} on my XXXX XXXX lease payment.i called and was told it is a PROPERTY TAX CHARGE ... and they pay the tax but I have to reimburse them. If I am basically renting the vehicle and they own the vehicle why do I have to reimburse the property tax ... also why is it presented as a misc. fee instead of a property tax ... what if I file an itemized tax return? Do I get to claim this charge or does XXXX not only charge me, but also claim the deduction ... ..how does this work. If Im paying a property tax I need documentation to show I paid a tax and not a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: KY
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:
This issue involves Equifax Credit Reporting Agency and an error they said they verified as accurate which it is not. 

I co-signed a student Parent Plus loan for my son for his first year of college in XXXX at XXXX University in XXXX, Kentucky. The very next school year our son transferred to the University XXXX XXXX in XXXX, XXXX  and my wife, XXXX XXXX XXXX signed for a new Parent Plus Student Loan for his University XXXX XXXX education cost and consolidated the XXXX Parent Plus Loan into one loan. My name was no longer on a student loan from that point on. 
Years later, someone somewhere decided that I still owed this total debt irregardless of the fact that it was completely transferred out of my name in XXXX which I have documents to back up. We sent these and other court related discharged records in to Equifax but they still report the amount as being owed with accrued interest of course which is now double the original amount. My wife had this completely in her name and years later, she was diagnosed with XXXX XXXX and is on SSDI. All student loans, including all Parent Plus Loans were completely discharged in our Chapter XXXX Bankruptcy case that was filed in XXXX and completed in XXXX. A year or so later, the loan previously mentioned re-appeared on my Equifax Credit Report to which we submitted court orders and proof of when it was consolidated into my wife 's name only. We have an attorney, XXXX XXXX, which we can and will hire to fight this if necessary but will cost us more money to fight something that Equifax is doing to me and my credit standing. In addition to having court orders of discharge for all the student loans, I also have documents backing up this claim from the National Student Loan Data Systems ( NSLDS ) showing I have no outstanding student loans in my name so it makes one wonder how is it possible that Equifax found that I owe student loans and where is there proof which they did not provide very accurately at all. I am asking for assistance in this matter as my wife and I have certainly suffered from their unfair reporting practices and we, especially my wife, have suffered enough and seek assistance from you to fix this terrible and costly error caused by Equifax. Additionaly, I have a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating I do not owe and they sent a letter of correction to all CRA 's to remove from my history and only Equifax has not done. It has taken me two years trying to get this removed as illness and deaths have occurred in my family leaving me little time to deal with their inaccurate reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After completing the modification program with ocwen from XXXX to XXXX and continuing to make monthly payments to the present day, ranging from {$1100.00} thru {$1000.00}. Ocwen attempted to foreclose on our property during this process by hiring the XXXX XXXX in NY. The Ombudsman officer at Ocwen sent us a letter in XX/XX/XXXX admitting fault on behalf of his company. While we continue to make our monthly mortgage payment, Ocwen has added a {$3000.00} legal fee to the monthly mortgage statement, and disguised it as a late payment. On top of this, Ocwen has added over {$50000.00} of other fees to our statement principle during this modification process. They can not produce the original note trail or title, to this property. They have also engaged in double tracking. They have also connected us to over sea 's operators in XXXX after we have requested on several occasions for them not to do so.

Company response to consumer: Closed with explanation