BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Dear Sir/Madame, And thank you in advance for your courtesies and assistance. In applying for a student loan I noted that from one moment to the next I was denied. My initial application stated that I needed a co-signer, and in the interim of providing that information, I was notified that a loan was not possible. As this bank just provided a loan for last semester, I was rather flummoxed as to why I can not obtain a loan, especially with the very same co-signer, who has a slew of accounts at the bank, most of them holding the maximum insurable by the government. 
Upon further investigation, I noted that my credit report included NONE of my employment history! NONE! How could this have been possible? They have page after page of other information, but a VITAL piece of information such as employment is rather difficult to fathom. I have been working steadily and consistently since 2008, full time. And there is not one mention of any employment whatsoever. It pains me to realize how error-ridden this report is, and how long it has been going on. I never checked my credit report, and that is my fault. But to have such an erroneous notation! NO EMPLOYMENT HISTORY. Only a slow and focused review will illuminate the many errors lurking beneath. I hope to amend this complaint whence such a review can take place. I am forwarding this as quickly as possible, in essence of time, and to get the issue resolved. 
I thank you immensely for your time, your courtesies and your assistance, and I look forward to hearing from you once you have had time to investigate this matter further. I bid you a good week, and more importantly, lovely evenings when you arrive home. Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Bull City Financial Solutions, Inc
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bull City collection purchased a so calledDebt from XXXX XXXX and has never contacted me but has put the into my credit report listing a recent date as the date of the the debt. He has also listed a made up amount for this debt of more than {$600.00}. First this would have been more than 4 years ago. 
As I have not had electric in my name for over 4 years. Secondly XXXX XXXX would never have allowed us to have a balance that high. We did n't even heat with electric ... it was propane. I recall making a final payment for a partial month when we moved at the time I called them to have it turned off. I tried to get a copy of that from my bank but they had already archived it & said it was not retrieveable. I am XXXX years old & have worked real hard on my credit because I live with my son & his wife & XXXX kids & we were trying to get a loan to buy a house ( size of our family causes us problems finding one we can afford & is large enough ). We had signed a contract on a house that was accepted & we were waiting to close. Then when they checked my credit again the Bull City. collection was on there. We lost the House. We now live in a XXXX in XXXX, KY infested with mice and roaches. We pay $ XXXX for this. This is not fair. I filed bankruptcy over 7 years ago when I lost my house of 34 years in the XXXX XXXX melt down. The only negative thing on my credit is that XXXX XXXX report which is wrong. I have XXXX credit cards XXXX of which I paid off. I have never once been late on any of them. I do n't know what is going to become of us. Please help me.

Company response to consumer: Closed
Consumer complaint received 2016-08-22
Company: Sonnenschein Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sonnenschein Financial Services reported to my XXXX credit report a {$200.00} from the City of XXXX. This agency claims to now own this debt from the City. They claim that this citation is due to a XXXX violation. The violation was contested and an appeal date was granted and the violation was dismissed. For whatever reason the debt was not dismissed and doubled to {$200.00}. I have made daily attempts at contacting this agency and am always greeted by an automated service. Messages left to their voicemail service go unreturned and considering failed attempts at contact, I am left questioning the legitimacy of this agency and their debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
It 's disappointing to see the government complete business with an organization that has these alleged complaints. The ambitions of individuals pursuing educational opportunities is being toyed with by an organization that seeks greed. I 've paid close attention to my student loan account with regard to processing payment times, and also how the company did not return calls that I 've made to ask questions. Basically I 've seen the account holder take 3,4,5 business days to process payments I 've made on my loans. Meanwhile, more interest accrued on the principle that subsequently led to a higher repayment amount. Unfortunately I can not total all the extra cash that has been taken from my wallet because of the delayed processing times.The irony with this whole navient lawsuit coming out is that all the issues that I 've experienced with the company were resolved less than 24 hours after the story broke on national news. Processing payment times have reduced from the 3,4,5 days to 1-2 days maximum. Best thing, in a short while I will have my 30 year loan paid in 4-5 years and I will not have to do business with a company that reminds me of certain other companies that have sought excessive financial gain on unsuspecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Security National Automotive Acceptance
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I got a vehicle loan in XXXX from Security National Automotive Acceptance. I had been in contact with this company in XXXX to come pick the car up because it was not working. I was told through email " the car is not worth the pick up value. '' I got out the military and moved back to XXXX where I have been living and working. I was notified on XXXX XXXX that my wages from my job at XXXX would be garnished. I called the payroll department because I could n't understand why my wages were being garnished for a loan I had 10 yrs ago. I was informed by the payroll specialist that " the garnishment is illegal because you live in XXXX and under federal law XXXX residents are not subject to creditor wage garnishments. '' The payroll specialist also informed me that she had to " code it AS IF it were a student loan to force it through. '' I am asking for help with this matter because not only is this debt 10 years old but I no longer have the car and I also tried to give the car bad years ago.

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 2016-05-23
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card
Issue: Other fee

Complaint:
I opened a line of credit with XXXX XXXX XXXX with TD Bank. I have since made two payments to them. My bank is rejecting the payments because they are not recognizing the creditor as a legitimate creditor. I have since called my bank and asked them to allow payment for this line of credit. TD Bank, who holds the line of credit, has since charged me fees and filed against my credit. I have made multiple calls to them and made every effort to pay them. They have told me they were going to have a supervisor contact me multiple times and I have never received a call back. They have agreed to remedy the credit issue to ensure that this has no negative impact on my credit and now I can not even get them to give me an update. It is a never ending list of them asking for more information and then never getting anything done. I have spent hours on the phone and been treated terribly by them. I am seriously concerned that TD Bank has no interest in helping me and I feel like they are ignoring the issues to attach additional fees to our account. Please help us as it appears TD Bank has no interest in helping. What options do we have?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
hi, i just check my credit report 2 days ago From Equifax and i find a collection charge in the amount of XXXX dollars, From '' XXXX XXXX XXXX '' this charge does not belong to me and also an account from XXXX XXXX does n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Complaint against TD Auto Finance Contract Date:XX/XX/XXXX, Term : 60 payments, Statement # 59 on XXXX XXXX the balance was {$160.00}. On XXXX/XXXX/XXXX they charged {$160.00} ( payment 60 and last ). On XXXX/XXXX/XXXX the charged again {$160.00} ( over payment ), on XXXX/XXXX/XXXX they charged again {$160.00} ( over payment ). As XXXX/XXXX/XXXX they sent the Release of Lien with the Title of the car. As XXXX/XXXX/XXXX my online account is closed as stated for TD Auto Finance. After reviewed all my payments since XXXX XXXX they over charged me a total of {$1000.00} ( included the {$330.00} after the end of the contract ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am the third party. This company called me regarding my sister 's debt that I have no connection to at all. When I called them to tell them that they could not call me regarding my sister 's debt they asked for more information including phone numbers etc. They told me that they could not help me and to have a good day because they were a call center. I told them that they are in violation of the FDCPA and they could not contact me again. I told them I would report them and they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have not received the written investigation results of any disputes with Equifax. The credit bureau has denied me access to credit monitoring. I am not able to access any of the online results from investigations that have been completed. I have been denied credit within the last 90 days, therefore, I need an updated credit report to determine why this happened. XXXX denied my credit card application based on Equifax report and I need to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Receivables Performance Management, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We signed with XXXX XXXX XXXX XXXX for service in XX/XX/XXXX. Service was unacceptable, we paid what we owned and cancelled in XX/XX/XXXX. We were contacted by a collection Co. ( XXXX ) that we owed {$100.00}, ( date not remembered ). We contested the claim. On XXXX, we received a letter from the XXXX That noted " Current Balance : Not Applicable ''. The letter also stated that the " ... account is closed in our office ''. Not knowing what " Current Balance : Not Applicable '' actually meant, so on XXXX, I phoned, talked to an employee who said that they had contacted XXXX advising we had contested the bill and XXXX XXXX had agreed we did n't owe anything. Stupidly, I failed to ask for this in writing. OnXXXXXX/XX/XXXX ( 3 yrs. later ), We received a letter from another collection company, RPM, that if we would pay {$53.00}, ( 60 % ) they would be willing to close our " out standing balance ''. We contested that so they came back that we owed {$100.00}. What is needed at this juncture to establish that we do not owe this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Social Finance, Inc.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a refinanced private student loan I took out with SoFi, which I took out under the pretense that I could take advantage of an income-based repayment plan. For the first four years I have had the loan, I was able to make good on this program, and was annually provided with an IBR application issued for US federal education loans ( despite the fact that the loan was a private loan ) by their servicer Trustudent. In all that time, this program was always referred to as an income-based payment program, and I was never informed of any limitations on how long I could take advantage of it. In 2015, SoFi changed their servicer from XXXX to XXXX, and XX/XX/XXXX I was informed that my payments would be effectively doubling within the next billing period. When I asked why I had not been provided with IBR paperwork, the servicer informed me that no such program existed. After several phone calls with SoFi over the course of two weeks, I finally learned that SoFi had not, in fact, had me on an IBR plan but on an interest-only forbearance. This was despite the fact that this was never communicated to me in correspondence or writing. I have spoken with an attorney who says this could be a case of deception in a consumer product, and I would like to see XXXX records examined to understand what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
We asked them to remove my sisters accounts off of my credit report because they were not mine. I am in jeopardy of losing my property and earnest money due to waiting almost more then a month for a response with no response back yet. I have continuously contacted them to get this resolved and they continuously just keep blowing me off and telling me to wait

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: WELLS FARGO & COMPANY
State: VI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
What : Wells Fargo recently changed their online interface used for reviewing mortgage statements and making payment. I had no problems before the web change. After the change on multiple occassions, WF has misapplied the mortgage payment I submitted online. 1 ) I paid the regular P & I on a fixed 30 year product, and prepaid an additional amount. My mortgage statement only counted the prepaid amount, which would have resulted in a DLQ status if I had not checked my loan balance in the following days. I had to separately resubmit the P & I payment for it to be recognized. 2 ) The following month I paid the same amount ( P & I plus prepay ). This time only the P & I was correctly processed and I had to call WF to have the additional prepay applied. 3 ) The following month issue # 2 occurred again. I confirmed I had checked the correct box online for additional prepay but the error still occurred. I submitted a complaint to WF and notified them I would submit a CFPB complaint.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXXXXXX XX/XX/17 This payment completes the settlement on your XXXX XXXX account.

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 2021-08-04
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I attempted to use my Aspire credit card on XX/XX/XXXX and my purchase was declined. I called into Aspire and I was informed that the notes stated on XX/XX/XXXX I wanted my account closed. I informed them that I did not request to close my account and that my account stayed open over 30 days past the date of their notes thats another reason why I know their records are incorrect. I requested to hear the recording of that conversation and of course Aspire said it was not available. I have never received any communication from Aspire informing me that they closed my account. How can a company close my account without my permission??!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, 2016 XXXX/XXXX Loan Number XXXX XXXX XXXX XXXX XXXX, Florida XXXX We are filing this complaint against Wells Fargo Home Mortgage and ask that you assist us in resolving this matter - We began good-faith negotiatings on an Assumption Modification with Wells Fargo on XXXX XXXX. From the very beginning of this process, Wells Fargo has been a combatitive, unresponsive and misleading. 

After the initial conversation with them, Wells Fargo requested standard modification documentation, which was faxed to them on XXXX XXXX. We communicated with them on XXXX XXXX, XXXX XXXX, XXXX and the XXXX - each time we were told that no documentation had been received. 

For one month we tried communicating with them and received no response, but on XXXX XXXX we spoke with an individual there, who once again told us that still no documents had been received. We re-faxed everything to them XXXX XXXX and on XXXX XXXX, we spoke with another individual who confirmed that the file was in fact RE-ENTERED FOR REVIEW. At that time we requested that the file be escalated and a request for postponement of the XXXX XXXX sale date be made. 

After speaking with Wells Fargo this morning, we were told that our request has been denied, once again - due to insufficient documentation. 

We are well aware of the fact that Wells Fargo has a long and storied history, using this technique to deny homeowners relief and we are requesting that you step in and - have the XXXX XXXX sale date postponed for us ensure that Wells Fargo gives us a fair and proper review for this assumption modification. All documentation has been attached to this complaint. 

Thank you very much for your assistance with 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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I understand that TransUnion 's systems experienced and system glitch and old inquiries were re-added to credit reports. I 'd like to have those inquiries removed, I can not get through on their toll free number. I held for almost 2 hours.

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 2021-01-18
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the middle of XX/XX/2020, I received a settlement offer and paid what was requested in the settlement offer. When I checked the company website they subtracted the amount that I paid from the original amount and still show me as owing money instead of paid in full as per the settlement letter that I received. 

This company has not reported this payment and or settlement offer to the original creditor. I also note that a second collection agency in on my credit report for this exact same charge and refuse to remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife XXXX XXXX is on XXXX and receving Social Security benifits from XXXX. I XXXX XXXX got laid off from my work on XXXX. I recived my Unemployment benfits for 6mo that run out on XX/XX/XXXX. We told our bank WELLS FARGO to help us modified our loan ( espicially bringing the interest rate down from 4.25 % to the current interest rate ) sothat we can save few hundred dollars from our mortage payment which was {$1300.00}. Instead the mortage payment from XX/XX/XXXX went up to {$1400.00}. We gave all tha paperwork the bank requested back in XX/XX/XXXX but they denied our request to modificiation. They say the want to home owners who are struggling to make payments, either by modification or any other possiable way they can help, I dont see any of that happing with us. Please look deeply into this matter and hopefully help us with the whole situation. 

Sincerly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Seterus, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Seterus, Inc. ( XXXX ) falsified by credit report by reflecting no data for several months when I had paid every monthly installment due. When I was unemployed & could no longer pay, they modified my original loan to worse terms not disclosed. They continue to process payments extremely slow, attempting to cause late fees to be earned. In XX/XX/2016, I sent every payment certified, return receipt-it took a minimum for payments to be processed. They do not allow me online access to see any of my mortgage details. They are the WORST COMPANY AND XXXX pays them to be a provider!!!!! XXXX does not respond to any of these issues but MUST AGREE WITH THEIR BUSINESS PRACTICES..

Company response to consumer: Closed with explanation