BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-08
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Upon signing my loan I was told directly by a Loan consultant from West lake Financial of XXXX XXXX CA that I would be able to get into another vehicle after I made 6 payments. I have currently made a total of 8 payments and they have reneged on their promise. I have asked this company repeatedly to put me in another vehicle or lower my current interest rate. This is verbiage from the email i sent them : My name is XXXX XXXX a current Westlake Financial customer with account # XXXX, I want to speak to a representative in regard to when I originally negotiated payments terms I was informed I would be able to get another vehicle or apply to have my interest lowered. Since this has not happened I want to do a voluntary repossession. Now what can waiver my decision or cancel this action, would be for your company to lower my very high interest rate of 23 % to around 13 %. Please update my online account to reflect to a lower payment so that I will know my interest on this account has been lowered for the month of XX/XX/2019. If this action can not be done, please send paper work for me to relinquish/surrender/give back the vehicle. Please email me all electronic documents where I can provide a electronic signature acknowledging my voluntary repossession Also send a final statement showing the payment difference or final balance after the vehicle has be sold at your auction. Thanks for viewing my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On Wednesday, XX/XX/XXXX I contacted EdFinancial after receiving news of Biden 's Loan Foregivness. The Federal Student Aid website states that we are allowed to request a refund of any payments made throughout the student loan payment pause period that started in XXXX of XXXX. 

I requested a refund of my student loan payments since XXXX of XXXX  from EdFinancial and was initially informed my negative student loan balance would be reinstated within XXXX hours, and that the refund of my payments would take over 150 days. I called back a week later as my negative balane was not re-instated, and was informed that my negative balance would not be reinstated until my refund is issued, which would take over 150 days. 

I have made payments of {$10000.00} during this period and would be eligible for loan foregiveness if EdFinancial reinstates my negative balance and refunds me the payments I have made.

It seems as though EdFinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Seeing other loan providers re-instating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

I am a single parent and this would be life changing money. I am begging and pleading for your assistance. I understand the refund of my payments may take some time and I am content with that, but at the very least they should be able to re-instate my negative balance in time for me to be eligible for the student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report on Experian. To find a XXXX XXXX XXXX XXXX loan which I did not do. I have called XXXX SBA and no one has been able to help me. I have asked them for the copy of the loan which was in my name. I was told it was unable to be found. Experian has stated there is no way to dispute the claim until there is proof from the XXXX SBA. In regards of it not being me .Please advise

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 2017-06-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have attempted numerous of times within the past 2 years to pay off a balance that was owed to  XXXX  University. At the time I was not able to afford to pay off my balance and it went to a collection agency. During that time I have attempted to pay in full 3 times but they would not allow me to pay the {$1200.00} balance but instead they wanted me to pay {$1500.00}. I am a single parent trying to further my education and at this time I am ready to pay the {$1200.00} in full. At this point I have asked  XXXX  would they accept the payment in {$1200.00} and they would but it would be turned over to the collection agency which charges an extra {$400.00}. Please let me know how I can get this resolved.

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 2022-09-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I attempted to use Annual Free Credit Report.com to obtained my credit file, Experian block my online attempts said I had to use regular mail to request said report and made the consumer wait and additional 14 days to get a copy of their report in direct violation of the FCRA. 

I received report # XXXX for XX/XX/2022, and noticed Experian had deleted the following ( 2 ) Loan accounts from said report : XXXX  XXXX XXXX XXXX XXXX {$17000.00}, and Personal Loan account {$13000.00}, both accounts are currently open in good standing without any late payments. 

Experian removal of both loans accounts intentionally lowered the consumers credit scores and ability to obtain additional loans. This act of removing open lines of credit was based on race and designed to lower the credit scores of Americans of XXXX decent and blocking the consumer ability to obtain said credit reports online and delaying the consumers ability to correct any information blocked said consumer from obtaining timely financing. 

I am therefore requesting a investigation into this practice asking the CFPB to enact and enforce laws and provide consumers from this abusive practice and fine Experian for this deceptive business practice that may affect millions of American of XXXX decent.

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 2022-03-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a XXXX XXXX XXXX in XXXX of 2019. XXXX XXXX has been charging the agreed upon amount of {$52.00} for equipment since that time. Meanwhile XXXX is taking XXXX XXXX monthly on another credit card because I agreed to pay them {$1200.00} in monthly payments in fear that they would ruin my otherwise very good credit. 
I have called them twice the last time being today XXXX trying to get this resolved asking for a statement of all of the payments that I have made. I see that there are multiple legal claims that have been filed against XXXX. I am ready to take that next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Firstsource Business Process Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company  First Source Advantage  keeps calling for a  XXXX   XXXX . I explained I do not know this person and requested that my number be removed. They keep calling repeatedly with over 80 calls logged in the last month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: IL
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 initially reached out to Experian on XXXX regarding some unknown accounts that I had no knowledge of. I asked them to open an investigation and they responded on XXXX and XXXX saying that the accounts were verified. I wrote back to them on XXXX asking for them to show me proof of the erroneous information that they were claiming was my debt and were still reporting on my report. Experian again responded on XXXX and XXXX online saying that there has been no changes to the disputed accounts because the companies reporting the information has certified to them that the information is correct. I am appalled and frustrated that such a company who knows the law thinks that they can just send updates online saying that something is verified and ignore my request to show proof that these accounts belong to me. Here are the letters that I sent. I also had unauthorized inquiries on my report which they have yet to respond to my letter about which was sent on XX/XX/2022 asking them to look into unauthorized inquires I had on my report. This entire situation is very damaging to my overall wellbeing and I would like for it to end and just have these erroneous items removed from my report so I can move on with my life.

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 2020-10-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow balance as of XX/XX/2020 is {$6700.00}. Escrow account was cancelled on XX/XX/XXXX. My mortgage payment per month is as of XX/XX/2020 is as follows : Principal {$850.00}, Interest {$1800.00} and Escrow ( Taxes and Insurance ) {$1000.00}. Total is {$3800.00} per month. IT IS STILL COLLECTING AN EXTRA {$1000.00} PER MONTH FOR ESCROW AND NOT REFUNDING FULL ESCROW BALANCE, AFTER ESCROW ACCOUNT WAS CANCELLED ON XX/XX/220. I only received {$560.00} for Escrow refund. Thus a lawsuit will be filed, seeking all damages and attorneys fees. 

CC. XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: GA
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 investigated my credit report with all three credit agencies and reported the inaccuracies to them, but after the investigation was completed, it did not change the outcome. The inaccuracies are still on all three credit reports. 
After I did very thorough research myself, the information was not corrected after making several attempts to get the information corrected. All three credit agencies are reporting inaccuracies in my credit reports : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq 602 A. The following accounts are completely inaccurate. 
XXXXXXXX XXXX XXXX  Account Number XXXX : {$1200.00} XX/XX/XXXX & XXXX XXXX Never late. Two reporting agencies show I was never late. 
XXXX XXXX XXXX  Account Number XXXX : {$6000.00} XX/XX/XXXX & XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX  XXXX XXXX Account Number XXXX : {$5000.00} XX/XX/XXXX thru XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX, Account Number XXXX : {$200.00} Never late. Two reporting agencies show I was never late. The company issued me a deletion letter and I forwarded it to all three credit agencies, but it was still not removed from my credit report. 
XXXX XXXX  Account Number XXXX : {$16000.00} XX/XX/XXXX through XX/XX/XXXX paid in full. Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 
XXXX Account number XXXX : {$3500.00} XX/XX/XXXX through XXXX XXXX account is closed and still reporting that I have an open account with them. 
XXXX Account number XXXX : {$3600.00} XX/XX/XXXX Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 

I have a right to privacy, and my rights have been violated., U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency unless the person has certified to the CRA the permissible purpose for which the report is being obtained, and certifies that the report will not be used for any other purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was offered to sign up for the Target Red Card in store by their Cashier at their Target Location in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. She had informed me that all i needed to do was provide her with my information and she would place that application through. She had informed me i was approved for the total of XXXX credit Limit and that i can start using it before my card arrived with some recite. No other information was given to me but that. A couple of business days later my card had arrived and was able to use it. Yet i was not informed of what my interest rate would be or what even is the amount of time i have before i would be charged for interest none of that was provided to me. I then began to receive phone calls from their collectors informing me i had debt to pay i was aware of the XXXX XXXX i needed to pay because that was the only transaction i had done with the card later to find out i owed late fees. I own other cards i have an excellent on time paying record showing i would never make a payment that is almost a whole entire month late is has ruined my credit and i have contacted their customer support only for some so called higher up let me know it's my problem and and if i was smart enough i would have searched it up. That is the worst i have ever had to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX   2013  a Chapter  XXXX  Plan of Reorganization was confirmed b y the Federal Court for myself. Such plan included a debt reorganization of the subject loan with a Lien Strip on th e subject property to a fair market value of {$220000.00}, and an unsecured portion of {$94000.00}. The mortgage company had the option to apply fo r 11 U.S.  C. 1111 ( b ) option to secure the debt in full but opted not to within the allotted time ( see plan of reorganization page 7 and 8 ). M ortgage company continues to claim the principal owed on the property is approximately {$300000.00}. The amount of the principal balance is incorrect, as are the way the payments have been applied, as per the Confirmed Plan of Reorganization and the bank needs has ignored my requests and refused to correct the situation.

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 2022-03-30
Company: Experian Information Solutions Inc.
State: VA
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:
Identity theft I disputed with a police report and nothing was done

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 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Have been trying to get invalid reporting public record removed for over 6 months now ; was made aware of new public record law in which all three credit reporting agencies would be required to automatically remove all public records that were reporting and that has not happen for me. This was scheduled to take place on XXXX XXXX, 2017. State Tax Lien is still reporting incorrectly on today.

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 2022-09-09
Company: Local Management, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Company persuaded me to renew so payments could get back on track. Before renewing I explained to company that I was in a hardship. Now I am still unable to make payments and company has called three to five times a day. Company has called from different unknown numbers for me to answer call. Company has also discussed payments information with third party stating I am behind 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please update my personal information on XXXX, Transunion, XXXX. 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and need to be removed.

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 2017-06-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I make purchases through my account I have the necessary funds. CHASE takes the payments in a way where I get charged overdraft fees even when XXXX of my purchases occured before I took the one that brung me into overdraft. Completely unfair and I have paid over thousands of dollars in over draft fees over the past year. It 's like they try their hardest to kicj you when you 're down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need correction in my address and my name on all the credit bureau ... cause when i try to get credit card they denied my reqs and i have good credit .. i am waiting since XX/XX/2018 .. i sent id and i still waiting ...

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 2020-04-22
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Caine and Weiner just reported a {$310.00} collection account on my credit report. Prior to the appearance of this collection account on my report, I did not receive a 30 days notice of my right to dispute. If I did, I would have contested this debt, as I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: FL
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:
The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANKRUPTCY XXXX XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation