BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I attend college and I am a 100 % XXXX Veteran, I am reporting on apparent discrimination, in XXXX I was informed that XXXX of my student loans were XXXX and I was no longer eligible for Federal student aid as there is a code in the XXXX XXXX barring me. I was no longer able to attend college for cost reasons and I had to pay back the remaining balance on my account. After contacting the Dept. of Education, I learned that a company called Nelnet was responsible for blocking me from student aid. I contacted them in Spring XXXX and they stated that I could just have the other XXXX forgiven if I submitted paperwork. In XX/XX/XXXX I contacted the company again as I was still being billed for the XXXX remaining debt, they stated it was not going to be forgiven, and that is when I notified them it was discrimination to bar me from a student loan based on my XXXX status, they then offered to opt me out of their discrimination program. They read me a statement about opting out and asked for my verbal consent, I agreed so I could return to college. In XX/XX/XXXX, I returned to college and found out that I was still barred on the XXXX from receiving federal aid based on my status as being a 100 % XXXX veteran, I contacted nelnet again and they said that I am still barred from federal student aid for being XXXX, and they never opted me out, I requested to opted out again and they will send me paperwork, maybe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: BlueChip Financial
State: LA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I requested spot loan to draft the full payment via e-mail below : Post the full balance for payment ... 
Thank XXXX : Help at Spotloan [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2015 XXXX XXXXTo : XXXX, XXXX XXXX : XXXXXXXXXXXX : Your spotloanHey XXXX, Thanks for checking in on your loan. Your current account balance is {$140.00} and your next payment of {$110.00} is due on XXXX/XXXX/15. Remember, your account balance changes daily to reflect interest and, we require at least a 2 business day notice in order to make payment arrangements. 

Our hours of operation are Monday - Friday XXXX CST to XXXX CST and Saturday XXXX CST to XXXX CST. If you have any questions or concerns, do n't hesitate to give us a call or send us an email and any one of our Relationship Managers will be more than pleased to assist you. 

Spotfully yours, XXXX XXXXSpotloan Relationship manager/ Help XXXXXXXXXXXXXXXXXXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is being submitted because of an ongoing issue with Ditech Financial LLC. They have mishandled our account and specifically our mortgage payoff, and have placed negative incidents on our credit report. We paid them in full on XXXX/XXXX/2016 as prescribed by them and yet I am still having to deal with them. 
re : [ complaint # XXXX ] re : [ complaint # XXXX ] They have now acknowledged our payoff, and returned our escrow. Unfortunately the amount they sent us was wrong. On the payoff quote generated by them clearly shows and escrow balance of {$2500.00}, but they sent us a check for {$2300.00}. Did they think we would n't notice {$190.00} missing? Well ... we did, and we want the rest of our money. Since we did n't make anymore payments to escrow and they did n't disburse any money, the check should have been for {$2500.00}. It 's been almost 2 months and I am getting tired of having to deal with them anymore. When will they get it right? 

And now all XXXX major credit agencies are showing the negative credit information. We pay all our bills on time. The only negative mark in all our credit history ( 30 years ) is from them, them who caused all this by their incompetent handling of our account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concerm, I have reported identity theft to the three three major credit reporting agency are reporting fraudulent accounts on my credit report on my credit. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  I have sent several notices to change this or update my file but nothing has changed.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Error in my credit report never get fix. I have informed you already that my report contains items that results of identity theft.

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 2022-02-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Error in my credit report never get fix. I have informed you already that my report contains items that results of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my property on XX/XX/2016 and the payoff was mailed to Ditech on XX/XX/2016 via USPS express mail. The payment was not received by Ditech and could not be tracked by the post office. I had a stop pay placed on the check and a new check was finally issued and sent to Ditech which they confirmed receipt of on XX/XX/2016. On XX/XX/2016 the first check sent was somehow recorded as received by Ditech. The payoff of this loan is a contingency for another loan that I am in the process of attaining, but my account is still as of XX/XX/2016 showing as unpaid. This has also affected by credit rating, and I have received collection calls from Ditech for non -payment of the loan for XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have ditech mortgage company. I fell behind on my payments due to losing my job. Once I got my tax return and a new job, I was put on a payment plan of 4 months. I was told it could go up to 6 months. First problem was when I asked for 6 months they said ok and it would be reflected on my account in a few days. A week later it still wasnt. I was told to pay on the new plan anyway and set up payments with one of their reps for the next two weeks. They rep put the information in wrong. When I called in about it, I was told to make a payment that day and then I could be set up on a new payment plan for 6 months. I made the payment and now they are telling me they need another payment before they can put me on a new payment plan. The new payment is {$2100.00}, if I had that kind of money I would n't have this problem. Every time I call this company I get different answers from different people including supervisors. I think they are just in the business to foreclose on homes and sell them. Please do something about them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Credit Bureau of Lancaster County, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After Credit report disputes the Credit Bureau of Lancaster County , Inc . 
( XXXX County PA ) Is unable to provide an agreement of services or any signed document of a XXXX $ bill that is showing delinquent on my credit reports. 
They did however request that I pay the bill and request that it be removed from my report. I refused to acknowledge the debt. 
This is not a debt that I agreed to nor did I authorize. 
I was willing to actually pay it if it were completely removed from all XXXX major credit reporting agencies of which the Credit Bureau of Lancaster County , Inc . Refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Account information incorrect

Complaint:
The accounts listed below are charge off and showing a balance on my credit report, the accounts are in accurate. I did not consent nor authorize anyone or any company to benefit from my credit or report information to my credit report, this violates my consumer rights. 

Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/XXXX I brought a home ( thru XXXX XXXX  ) and from the beginning until now numbers have been manipulated and altered to the point that in in jeopardy of losing my home and the new mortgage company has got me locked into a rate almost 2 % higher then my original rate. This loan has been a disaster from the beginning and I need some help going thru and finding the rest of the discrepancies. So far I was overcharged almost {$3000.00} in origination fees ( had to file a complaint with XXXX  to recover that money received onXXXX ). Somehow I was paying homeowner insurance but my insurance company never received it so I wasn't cover for the first year. ( still have not tracked down them funds just paid out of pocket ) some how my loan was processed as a arm instead of a fixed so I had to refinance because. my taxes wasn't calculated right so my mortgage went up. So I called and ask for some help but I was told I wasn't behind so they cant help me .Finally I fell behind and in XX/XX/XXXX I asked for mortgage assistance from my now mortgage company ( Carrington mortgage ) and instead of helping me cuz I was a few months behind they made me payback some the back payments then raised my interest rate almost 2 points. And threated to demand all the back payment by certain time or file for foreclose if I didn't take the increased rate. That increase raised my note 300 monthly and my XXXX vet wife lost he job due to government budget cuts. Since then i was forced to file bankrupt just to keep them from filing for foreclose. Finally to top things off now we in a pandemic they want to get my bankruptcy lifted so they can file. 
WOW.. Help please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: ECMC GROUP, INC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I paid off all of my student loans ; however I am being harrassed by XXXX for payment of a student loan. I have requested via online submission for this collection agency to provide me with the originating contract and lending information but they refuse to send me the requested information. This is a clear violation of the FDCPA and UDAAP as I did not have many student loans ( as I received a XXXX ) and the ones I did have were paid off ( final payment made about a year ago ). I was in school several years ago graduating in 1993 and I do not recall having any other loans then the standard federal loans that I have paid in full. Instead of XXXX providing me with the origination documentation they sent an email stating to contact them as they can possibly garnish my tax return or other federal payments. Please assist me with obtaining the requested information and to stop the harassing phone calls.

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 2020-06-15
Company: MoneyLion Inc.
State: MA
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:
I had this App Moneylion on my phone, I made all the payments and wanted my account closed indefinitely once the loan was paid off. So, I called the company and requested to have the account closed they told me I needed to do the final payout on the app so I did. The amount was {$370.00}, I had it taken out of my account the same day on XX/XX/2019 the full amount posted to my account on XX/XX/2019. From there that account should have been in good standing and closed, there is a section on the App that still had leftover money in the form of " investments and cash ''. I tried to withdraw my cash and that is where the problem started. It wouldn't let me withdraw what was left over, it was {$76.00} in investments and {$2.00} cash. I then reached out again to support and they claimed that I needed to pay the membership fee to withdraw the money and I said no I don't my account should be closed, they then reported the FRAUDULENT FEE to my credit report of {$41.00} which now shows {$45.00}. 

They are SCAMMERS. I do not owe them any money, I demand the {$78.00} be mailed to me in a check and this account and any negative information associated with it removed from my credit report. 

I disputed this account with Moneylion, XXXX, XXXX, and XXXX  and they all came back verified, even with the proof that I have. This is why I am writing this complaint now. None of the companies actually did an investigation, because if they did they would know this is a SERIOUS ERROR IN REPORTING from the Moneylion scammers!!!!! Many people are going through the same thing and this should be investigated. I should not be going through this over a year later. I have disputed these charges time and time again with no resolve. I have proof of payment and this account should be REMOVED from my CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: ALLY FINANCIAL INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My name XXXX XXXX XXXX I bought a car through Ally Financial Inc. Four years later on XXXX XXXX, 2017, I payed it off. As of today XXXX XXXX I did not received my tittle by mail as stated in the purchase contract, to realize what was happening with my tittle I called to find out that my tittle was sent to a wrong address and now is lost.

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 2022-02-01
Company: EQUIFAX, INC.
State: IL
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:
The accounts listed violate my privacy rights. I did not consent nor authorize for the accounts to be reported on my credit reports. 

Account Name XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX medical center

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I consolidated my loan with Nelnet, I was told I was on the correct standard repayment plan ( phone conversation ) to receive Public Service Loan forgiveness, however I was recently informed that after making 105 payments, I was on the incorrect " standard '' repayment plan since 2010. Each time I have talked to Nelnet, I informed them I was XXXX XXXX military and intended to use PSLF however was never advised that my payments were not qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Northstar Location Services, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector is repeatedly calling my father 's cell # that I listed above. They also have called my cell # on several occasions. I do not know who these people are or what debtor they represent.

Company response to consumer: Closed
Consumer complaint received 2015-10-26
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage started with XXXX and was changed to GreenTree. My mother has since passed away ( XXXX 2013 ) but they still keep sending the statements in her name, even though they were sent death certificates XXXX. They would not work with my parents who live on social security and the mortgage was very high interest. They made payments every month and barely anything was put toward the principal of the loan. When they were facing difficulties, my mother called to try to get interest rate lowered or some other option and was told NO. My parents were in constant stress trying to make ends meet. Since they would not work with them, they had to file bankruptcy. Every time, it was declined by GreenTree. This is a modular home, not a regular house. They do not increase in value, they decrease. They want too money for this place. The house is in the XXXX bankruptcy in just my father 's name. He lost my mother 's income when she passed away. He was paying {$300.00} a month to the trustee and now they want {$450.00}! He has less income and they want MORE money. I handle his finances for him because my mother took care of that. This is the XXXX time for this bankruptcy. They are refusing to take what was paid in the past 17 years and want more money. The trustee wants to dismiss the bankruptcy. He tried to get a place for low income but was DECLINED because of this bankruptcy. What is he supposed to do? There is class action against GreenTree and I want him to be part of that. There are over XXXX complaints against them. He has very limited income and I feel this has gone on long enough. He wants to stay there for the remainder of his years. He is XXXX the lot rent also went up this year and is {$570.00} a month. This home is in a modular home park. It is not on its own land to give any value. I feel this has gone on long enough and this place should be considered paid in full. He certainly paid more than it 's worth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: IL
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:
The accounts listed violate my privacy rights. I did not consent nor authorize for the accounts to be reported on my credit reports. 

Account XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: NC
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 was taken advantage of due to mild practice. While several laws are being broken under the Fair Credit Reporting Act ( FCRA ) by your company. This has caused financial injury, and defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan due to the pandemic under this crisis .You have hurt my ability to obtain credit.

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 2017-05-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX   XXXX  /2017 Handed a teller at  Wellsfargo  a check for {$19000.00} to pay down the principal of my new vehicle loan. Normal monthly payment not due until  XXXX / XXXX /   2017.      On the check I wrote " Principal Only '' and instructed the teller this is not a payment, this is principal.     She applied a portion of the check as a payment, resulting in {$55.00} of interest fees collected, then applied the remainder to Principal. Completely ignoring my request and resulting in the theft of {$55.00}.     I noticed it toda y  XXXX 2017    on my statement and informed Wellsfargo. They said I could make a request, and it would take 3 days to review. No promise of fixing their error, no promise to return the money they stole. Just a vague " We will review. ''

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