BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: ACS Education Services
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When Public Service Loan Forgiveness was announced, I contact my servicer, ACS to ask about it. I worked for the XXXX  as an XXXX since XXXX  and I have well over 100,000 in student loan debt. I was always on the income based payment plan but the payments were still more than I could afford. They told me that I just needed to stay on the income based plans to qualify and that at the time there was nothing more I needed to do. I followed their advice and stayed on the income based plan. Later, around XXXX, when I believed that I have made at least the 10 years of payments to qualify for the debt forgiveness, I contacted them to ask what I needed to do to apply for it. They told me that I needed to apply through XXXX because I could not apply through them ( ACS ). So I contacted XXXX. XXXX said I had to consolidate my loans with them - none of the payments I had made through ACS qualified for the PSLF program. ACS had given me incorrect information. ACS should have informed me that the type of loans I had with them needed to be refinanced or consolidated into a new type in order to qualify for PSLF instead of telling to continue to make payments for many years. Now I paid for 10 years and all 10 years were for nothing. When I moved my loans to XXXX I started over. Now my loans will be paid off before I will ever qualify for the PSLF program. That was very costly bad advice by ACS. I continue to work for the government - it is my entire career ( I have been a XXXX XXXX for 16 years now ). PSLF was meant to help those of us who dedicate our careers to the government despite crushing debt from private schools - but that is not how the program is operating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: FL
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:
I sent in since XX/XX/XXXX paid bank checks with statement and now XXXX sent in banking letter with tracking information of payment. Experian refuses to do their job and review bank documents and refuses to process any document of proof. I have been going thru this with this company 2 years. There job is to verify and produce documents that show the information is correct into which they refuse to not remove. They have done none. 

These accounts accounts are paid in full not late, in collections or any other false reporting they are displaying on my report XXXX XXXX {$640.00} XXXX XXXX {$150.00} XXXX {$530.00} XXXX {$1200.00} XXXX {$270.00}

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 2017-03-14
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XX/XX/2017, I called Citibank and informed them that I no longer want to be contacted with credit card offers. I was told that it would take 30 calendar days for the request to be completed. In late XXXX and On XX/XX/2017 I received credit card offers from Citibank. On XX/XX/2017 I again called Citibank and informed them to stop mailing me. I also informed them that I was filing a complaint with CFPB.

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 2017-05-16
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a Request for Information to Nationstar on XX/XX/XXXX. Nationstar acknowledged my Request on XX/XX/XXXX advising that they would respond to the Request by XX/XX/XXXX. As of today 's date, Nationstar has failed to respond to the Request for Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2018-02-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I went and purchased a used XXXX XXXX XXXX from XXXX XXXX that is located at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. The vehicle was a pre-certified XXXX model. The payments should have been {$320.00} per month with a 72 month contract agreement. 

I was told by the loan officer to get the extended warranty, so that if anything happened to the car it would be covered. This brought the payments up to {$390.00} a month. 

Since then I have moved to South Dakota, and I had to bring my car into Granite XXXX in XXXX XXXX for a few repairs. That was on XX/XX/XXXX. They looked up my Vin Number, and  asked why I was paying for an extended warranty when it was already pre-certified car. Good question I asked. I didn't know that everything was already covered with that. Being a woman I was taken for granted by the sales man, and the loan officer. I have been paying that amount since XX/XX/XXXX which comes to ( including interest charges ) : {$4700.00}. 

I am asking for a full refund, plus interest on all of those months paying for something I did not need. 

I only owe another 19 months on this loan, and calculating that including interest, another {$2100.00} should come off of the loan agreement since that amount was tied in with the contract agreement. 

By looking at that I should only owe XXXX another {$4700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Resurgent Capital Services L.P.
State: WV
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: Problem with personal statement of dispute

Complaint:
LVNV Funding LLC purchased my account from XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX. The balance was {$780.00}. They reported this collection to the credit bureaus in XXXX of XXXX. It dropped the score from one agency 78 points, and 28 points for another. I contacted LVNV on XX/XX/XXXX, we settled for a lesser amount. I had been working hard to pay my credit collection debts in XXXX and XXXX of XXXX, with positive results. This raised my credit scores to XXXX for XXXX, and XXXX with XXXX. Since LVNV purchased my account in XXXX of XXXX, should've they contacted me before turning this debt over to the reporting agencies? 
I contacted them today XX/XX/XXXX. They told me they did not have to contact me after purchasing this account since it was a charge off. However they did confirm a verification of payment is being sent in the mail as of XX/XX/XXXX. Were they supposed to contact me before hand? If so, since the debt is settled, can this be deleted from my history, and can my previous credit score be reinstated? Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX at SunTrust told us that any documentation that comes to them without loan numbers on every single page gets shredded or deleted from the file. 

Firstly, this is illegal, as it is a violation of the Homeowners Bill of Rights.

Secondly, in our experience with SunTrust, closing almost 3000 short sales in the last 13 years, we know this is not true. 

Thirdly, on their own documentation they don't even ask for the loan number - see Affidavits attached. 

Apparently SunTrust is directing their employees to delete documents in order to push properties into foreclosure. 

I am attaching the requested documents to this CFPB Complaint. I expect these to be attached to the account and the short sale moved forward without further delay. 

For ease, we are cross filing this complaint with the following organizations : 1 ) State of California Attorney Generals office 2 ) Congresswoman XXXX XXXX, House Financial Services Committee Chair

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 2022-01-23
Company: EQUIFAX, INC.
State: FL
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:
I sent in since XX/XX/XXXX paid bank checks with statement and now XXXX sent in banking letter with tracking information of payment. XXXX refuses to do their job and review bank documents and refuses to process any document of proof. I have been going thru this with this company 2 years. There job is to verify and produce documents that show the information is correct into which they refuse to not remove. They have done none. 

These accounts accounts are paid in full not late, in collections or any other false reporting they are displaying on my report XXXX XXXXr {$640.00} XXXX XXXX {$150.00} XXXX {$530.00} XXXX {$1200.00} XXXX {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have filed a previous claim against Amazon/Chase Bank. It was XXXX. It was for XXXX credit card applications in my name that showed as credit inquiries on my credit report. I did not submit any of these applications. I have since submitted a police report and placed 7 year freezes on my credit with all agencies. There were 11th and 12th applications that sneaked in before the freeze took hold. All XXXX inquiries have been removed from credit reports. However, I continue to receive credit application letters from Amazon/Chase. I have now received XXXX applications. The last 7 letters all state they can not process the application due to the credit freeze. Although I no longer have to worry about my credit, this is still a form of harassment. Amazon/Chase refuse to do anything to create an opt out list to prevent further applications. There is a very long blog on Amazon 's website complaining about this exact same problem. I think it is past time for the government to step in. I 'm uploading one of the letters. They are all the same or very similar. The reference numbers of the letters since the last complaint are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
A computer glitch that was Transunion 's problem, not mines, caused my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Transunion in good faith to ask them to delete the inquiries that they had illegally readded, and spoke to several representatives whom I have names and dates. These inquiries add a hardship and that my rights have been violated by Transunion.

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 2022-08-04
Company: DISCOVER BANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Discover checking account around XX/XX/XXXX, and they decided to close it on XX/XX/XXXX for " suspicious activity ''. I did absolutely nothing wrong, and now they won't return my money for 60 days. I can not wait 60 days, who can? I called everyday between XX/XX/XXXX- XX/XX/XXXX, and no one could help me get the money faster or even an explanation as to what happened. Someone told me I would receive a letter in the mail stating what happened ( implying it would come before my money ), but then someone told me today that letter would not come until my check came with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, in XXXX Maryland, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE. I REACHED OUT TO THE COMPANIES AND THEY ARE REFUSING TO HELP. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXN Inquiry : XXXX XXXX, XXXX XXXX CO XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX 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 2017-07-21
Company: Southern Service Systems, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving a copy of my credit file I noticed a debt of which I knew nothing about, this debt was with XXXX XXXX XXXX in the amount of XXXX XXXXI disputed this debt with the credit bureau XXXX , I have disputed this account on 3 different occasions, once in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each time I received a response back saying this account  was verified however I asked for verification to be sent to me and never received anything. I am asking that this account be immediately removed if no signed contract can be provided as I have no knowledge of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance my mortgage with XXXX/PHH mortgage. I had been trying to get a payoff amount for my loan since approximately XXXX. They would not release the information despite numerous phone calls. They knew I had a deadline which was the end of XXXX, to finish this transaction. They release the payoff amount in a letter XX/XX/XXXX .... which was a price that was supposed to be good thru middle of XXXX. However, they then turn around on the second of XXXX and report my mortgage as being delinquent because they didnt receive XXXX payment. Now my refi is halted because they are showing delinquent payments. Ive never been delinquent previously and the only reason for this being late, was their refusal to give me a payoff amount. Now they wont return my calls to get this problem corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I applied for auto financing and they advertised a 0 % for 72 month loan and when I applied they refused to give me the rate even though I had good credit. I asked for information of the qualifications and was refused the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Experian Information Solutions Inc.
State: CA
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 went to buy a car at XXXX XXXX about 8 days ago. Now I have purchased several cars in my past and after my report gets pulled several lenders look at the report but it only gets pulled XXXX. Well I check my report extensively and they did XXXX hard inquiries on my credit. The last time I went to XXXX XXXX XXXX 6 months ago to buy my last car it got pulled XXXX time only but I got several offers. This is beyond unacceptable as this now hurts my credit for 2 years plus. This can not be right to do to someone as they just kept repeated to pull my 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 explanation
Consumer complaint received 2022-01-23
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX ( Paid in Full ) {$1500.00} XXXX XXXX XXXX ( Paid in Full ) {$670.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2022-05-04
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection on my credit report from XXXX XXXX XXXX  date XX/XX/2022 in the amount of {$1100.00}. I have no knowledge of this debt. Please send any information acquired that this belongs to me.

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