BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-03
Company: Brock & Scott, PLLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a regular mail notice of foreclosure dated XX/XX/XXXX and XXXX XXXX, 2015 see : Attached pages XXXX. On the steps of XXXX XXXX Courthouse. I have no knowledge of this company nor do I have any business or contractual matters with this firm. However it has obtained some of my personal information which I gave no consent to do so, XXXX name included in this alleged claim is that of a deceased being. Pursuant to 15 U.S.C. XXXX and title VIII of the Fair Debt Collection Practices Act, I certified mailed a Notice to Dispute and Cease and Desist to senders see : attached pages XXXX, XX/XX/XXXX. Around XX/XX/XXXX again through regular mail, I received COPIES of requested information, request demanded according to law the original wet ink documents, furthermore even this copy of a copy has been altered see : attached page XXXX. The copies are not sworn to nor verified by any person making the alleged claim. Also to continue this deception on XX/XX/XXXX my personal property appeared in local newspaper, foreclosure/auction section. This has put harm to my reputation, sanctions shall be issued, chargeable on the Bond ( s ) of the " once verified '' parties making such fraudulent claims, all shall be fined for the actual damage cost and time that my family endured during this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My private student loans through   XXXX   XXXX   charge wildly different interest charges each month. I have been paying the loans for over 3 years now and have barely made a dent in the principal ( about {$1500.00} over 3 years. ) I have car payment and mortgages where the principal balance actually decreases at a great rate than these loans.
My monthly payments are {$220.00} a month On  XX/XX/XXXX  I paid {$170.00} in interest and {$43.00} towards the principal The next month I paid 1 day later on XX/XX/XXXX  and paid {$180.00} in interest and {$43.00} towards the principal. 1 day difference in payment makes that wild of a difference in interest??
On  XX/XX/XXXX  I paid {$150.00} in interest and {$68.00} in principal The next month I paid on the SAME exact day and still ended up paying greater interest  XX/XX/XXXX  {$170.00} went towards interest and {$52.00} towards principal.
These are predatory loans and the company will not send me proof of my signed Master Promissory Note showing that these are in fact my original loans. I will not be making additional payments on these loans until they can prove that everything is correct on my account. I will be disputing this fraud on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: General Motors Financial Company, 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 status incorrect

Complaint:
GM Financial is incorrectly reporting late payments from  XX/XX/XXXX  to XX/XX/XXXX  on an account/loan that I paid off in XX/XX/XXXX to  XXXX . This has lowered my credit score by  XXXX  points from a good score to a " fair '' score which is preventing me from obtaining credit. I called GM Financial on  XX/XX/XXXX  @   XXXX   CST and explained to   XXXX   ( Employee ID #  XXXX  ) and she offered no help to fix problem. I called GM Financial once again @  XXXX  CST and spoke to  XXXX  ( Employee ID #  XXXX  ) in hopes to get someone to help me, and she offered no help as well and told me to have my attorney contact them. GM Financial is reporting that I had  16 - 30-day late payments, and 4 - 60 day late payments which is totally inaccurate. I only had 6 - 30 day  late paymen ts, and 2 - 60 da y late payments that were between  XXXX  -  XXXX . I completely paid-off my balance in XX/XX/XXXX which closed my account in  XX/XX/XXXX in good standing. And now GM Financial is reporting derogatory late payments from XX/XX/XXXX  to XX/XX/XXXX  in years that I did not, and do not even have an open account/loan with GM ; furthermore, they will not correct it. GM Financial is destroying my credit score for no reason and refuses to correct their mistake. GM Financial is blaming the mistakes on   XXXX   and refuses to correct. I attached the  XXXX  credit report showing these errors. I also attached the  XXXX  credit report which is accurate and shows that I paid off loan in  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: OKCoin USA Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Dear Sir or Madam, I signed up for Okcoin.com and registered for its " {$100.00} XXXX '' promotion, under which participants were promised {$70.00} in XXXX for monthly cryptocurrency purchases of at least {$25.00}, starting between XX/XX/21 and XX/XX/21 and continuing until XX/XX/21. I adhered to the terms of the promotion, making monthly purchases of {$32.00} ( initially with a {$1.00} fee added ) throughout this term. I never received the {$70.00} in XXXX promised, which should have been deposited in my account on XX/XX/21. I have attached the promotion page, an email confirming that I set up the required monthly payments, bank records confirming those payments, and a chat transcript in which the Okcoin agent confirmed that I had adhered to the promotion terms and would receive the payment. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
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: Information belongs to someone else

Complaint:
I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did  XXXX , Equifax, and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: LEXISNEXIS
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent several certified letters to  Lexis Nexis  disputing information on the report I obtained from them and did not receive a response back with 30 days from the first letter being sent out in  XXXX  I had also made a phone call inquiring to see if they received my complaint and the representative said they did, but I guess it was never addressed.I requested that they send me proof of a bankruptcy filing from the courts that they are trying to show on my records, which they are saying they verified with the court themselves and I called the court and was told they do not verify or report any information to any of the credit bureaus, so that information was not true. I am waiting on written confirmation from the court just to have a back up to show that they do not verify anything with any of the credit bureaus including  Lexis Nexis , so they are not telling the truth and can not provide me the proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: U.S. BANCORP
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My complaint is with US Bank. I have a checking account with them as part of an arrangement for disbursement of assets from an inherited Trust. I am trying to set up a way to transfer money from that account to my main bank account with the XXXX XXXX XXXX XXXX. After an extensive verification process to link an external account that took 3 days, I was finally able to go online attempt to transfer funds, starting with a test transfer of {$1000.00}. To my dismay, they charged me {$3.00} for the privilege. The funds did not show up today, so I called them and they told me it takes 3 days for a transfer to occur. So they want to charge me {$3.00} per transfer and it is not even a same day transaction?! I think this is an abusive rip-off. Can you please look into it, and let me know if I have any recourse? Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
An erroneous reporting on my equifax credit report shows a {$190.00} owed to XXXX. I have never opened nor had any power account with XXXX. In fact, during the time that this account was opened by an identity thief back in XX/XX/XXXX/XX/XX/XXXX I happened to be stationed abroad. I submitted pages of my passport to Equifax showing U.S Customs stamps proving that I was indeed abroad and could not have possibly opened that account but Equifax will still not investigate the erroneous reporting. My latest dispute that was certified-mailed on XX/XX/XXXX to Equifax on this matter, they never even bothered to respond to my dispute. It 's been +45 days now, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: CORELOGIC INC
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
CREDCO pulled my credit report unauthorized. I did not give this company verbal or written permission to pull my report. This company has abused my rights by pulling my report 2-3 times in one week.

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 2017-07-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
While serving in the XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX I had to obtain federal student loans to pay for college due to the VA not honoring my XXXX XXXX I joined the XXXX XXXX XXXX in XX/XX/XXXX and served until being injured in XX/XX/XXXX In XX/XX/XXXX I joined the XXXX XXXX and served until XX/XX/XXXX. When changing from the XXXX XXXX to XXXX the VA was not Honoring my XXXX  XXXX. So every year I would have to file a deferment until I could get the VA issue resolved. Apparently while I was on XXXX XXXX the loan had defaulted and I was never contacted to do another deferment. Around XX/XX/XXXX I was notified by my employer of student loan garnishments. When I contacted Navient to dispute as I was a Military member, they refused to work with me. The original student loan was around {$26000.00}, when they defaulted it doubled to over 46,000. They never contacted me to setup payments instead they sent loan to a 3rd party XXXX XXXX to collect funds.
It has been a nightmare to work with the 3rd party as they would bait and switch  programs on me. Also after more than 4 years of making the payment of well over {$500.00} a month to 3rd party, found that they have not paid one dollar to the Loan Holder Navient.
When I contacted Navient asking about the money allready paid well over 26,000 they say that its not up to them to collect from 3rd party until full amount is collected and to correct the negative reporting on my credit report. As of today when I called them asking for them to pul back the loan, I am told to prove to them I ever served in the military. They have refused to work with me in anyway and constantly reflect my issues and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: AES/PHEAA
State: GA
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:
An early payment made XX/XX/2017 was misapplied across the board to all my loans instead of first to interest & then to specified loan w/ the highest interest rate. The amount being paid was the amount quoted by Fedloan Servicer to fully pay off one of the highest interest loans ( 6.8 % ). First of all, they quoted an incorrect amount which included interest on a loan that had been paid off the day before. Asked Fedloan ( on phone ) to correct it. They required request in writing ( sent XX/XX/2017 ). They failed to fix error as my letter lacked dob ( which phone rep did not say to include ). On XX/XX/XXXX, my mother called to ask why error was STILL not fixed. They told her to have me re-submit letter with dob ( which I did immediately ). I want their error corrected prior to 1st payment being collected XX/XX/2017. They say it will take 3-5 days to read my email & up to 15 business days to make correction. The level of incompetence is ridiculous. Today they email -- not to say they 've finally corrected their error of XX/XX/2017 -- but rather to say, " Our records indicate you were in contact with our office on XX/XX/2017 and received assistance regarding the inquiry in your email. If you require additional assistance, please respond to this email. '' IS THIS A JOKE? Do they even READ the emails students send? The error is STILL not fixed & they want me to start over? Once they take my first payment next week by direct debit, the error will be compounded. This is cruel & unusual punishment. I 'm trying to make payments! Can I switch to a different loan servicer due to the incompetence of this one?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13
Company: URS Holding, LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The documents will detail that I attended the original creditor institution, the University XXXX Kentucky, and that I withdrew in XXXX of 2011. This led to me becoming delinquent within 90 days after that withdrawal ; no payments were ever made within that time frame towards the remaining tuition balance. The account was sold, and has ended up being listed under Alltran XXXX. The Open Date reflects the date Alltran purchased this debt and is in no way reflective of the date of first delinquency. The DOFD needs to be updated to reflect reality and the account in question should be dropped as it has illegally re-aged this debt. The debt was also paid in full to Enterprise Recovery Systems, but the name was changed when the company changed their name to Alltran XXXX and my credit reports do reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Three years in a row I 've tried to receive my credit report online. Never had issues with XXXX or XXXX. Equifax is the only one that repeatedly will not provide my free report online. I needed to dispute inaccuracies on my reports that are being shown on various websites. I did that through XXXX, and XXXX just fine. I go to file an online dispute with Equifax and was denied access due to my failing of verification questions. The same thing that happens each and every time I 've ever tried to receive my free report online. I have to wait weeks for it to come in the mail, if it shows up at all. Upon submission, the page comes up with an error message that says, " the information you provided does not match our records. '' Well, the questions they asked were pretty straight forward. 1. ) Mortgage loan. - Well I 've never owned a home. Obviously the answer is none of the above. 2. ) Monthly payment of above loan - Well I do n't have one. Obviously the answer is none of the above. 3. ) Address associated with my credit - I know where I 've lived. 4. ) Auto loan I just paid off last month - I know what bank I 've been paying each month for years. YET! It tells me that information is wrong. Simply due to clear inaccuracies of their " records '' and now being concerned about possible identity theft I phoned multiple times to receive another free report in which I 'm ENTITLED TO BY FEDERAL LAW. Spoke with numerous people, through numerous departments, with even a supervisor and they REFUSE to give me my free report. They 're very quick to offer to give me one if I pay for it though. This is fraud, and breaking federal law ; and I was very concise in explaining to them the laws they 're breaking. It 's clear their " records '' are incorrect, contain inaccuracies, or I would n't have failed the verification questions. If I have evidence they are reporting wrong information, their records are inaccurate, or am concerned about theft, it does n't matter if I received my free report nine months ago ; I am entitled to another one from their bureau. After doing research, it seems this is common practice with Equifax just to get people to purchase another report. I smell a class action lawsuit coming in the foreseeable future, which is why I " audio recorded '' their associates refusing to provide me my report unless I paid for it. Their online error messages suggest solutions, which are quickly denied upon contacting them. They are reporting false information, and refuse to provide me with the required information to be able to dispute it. THAT IS ILLEGAL!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX County Tax Lien showing on my Equifax Credit Report should be removed as it was filed in error over six years ago. I have submitted several times a copy of the Satisfaction of Lien from XXXX XXXX yet Equifax continues to report this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Traded a vehicle in for the down payment after closing the deal for a used truck, I was asked to return to the dealer to discuss your financing and it was not disclosed to you that the deal was not yet final. I was told the terms of the loan has changed. The company 's name is XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX. Amount to be financed {$12000.00} at an APR of 14.99 % for 48 monthly payments of {$340.00} trade in of {$2500.00}. I was called and was told that the new terms are going to me 36 months with a payment of over {$400.00}. During the test drive I asked if I could take it on the highway to see how it drives and I was denied that option, I wanted and independent company to do an inspection on the truck I was also denied that. After I took possession of the truck I checked the fluids and noticed that the truck did n't have oil. I took it to my local XXXX and they confirmed that it was empty plus a few other issues with the truck. The maintenance office of XXXX XXXX did call me to set up an appointment, I let him know about the oil issue and offered a free oil change to make it right.

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 2017-07-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed an authorized inquiry for the last 90 days, an inquiry that I did not authorize. No response back from credit bureau and it is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX University XXXX XXXX has false reported to Equifax a {$0.00} charge off balance on my credit report when confirmed by a previous cfpb case that their entity was deleted XXXX XXXX, 2015 and now are illegally allegending claim once the Federal Government US Dept of Education discharged and paid all my student loans. I have disputed this account for 5 months with documentation and they still have not deleted the fraudulent info from my consumer agencies. I have never had a loan with them the Government controls all student loans and the University XXXX XXXX denies the fact that my account was left at a XXXX balance when I withdrew from them because of their grievious financial practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient capitalized the interest on my account, which they said was due to my payment plan expiring. However, when I looked deeper into it, the notices sent and the payment plan show that they capitalized the interest  one  full month prior to the plan 's expiration. I reached out to them several times, each time documenting my request to reverse the capitalized interest. Finally, after several weeks they reversed the capitalization of interest.     I want others to be aware that this can happen and to look into the account history to determine if Navient has incorrectly capitalized the interest on the account, prior to the date permitted, and to understand that this can be reversed but that they must be proactive and follow-up with these requests.

Company response to consumer: Closed with explanation