BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: Maximus Education, LLC dba Aidvantage
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/XXXX Borrower Defense Application # XXXX I received an email from the U.S. Department of Education stating in my a member of the class of Federal student loan borrowers covered by the recent settlement of the Sweet v. XXXX ( " Sweet ' ) lawsuit. I submitted a XXXX XXXX to Repayment discharge application relating to my Federal student loan ( XXXX ) The Department of Education reviewed my application and agreed the Sweet settlement relief. The Department has determined that I'm entitled to settlement relief for the loans taken out on or after XX/XX/XXXX associated with my enrollment at XXXX XXXX ( " Relevant Federal Student Loan ( XXXX ) '' based on my allegations regarding the school 's misconduct. Pursuant to the Sweet settlement, the Department of Education said they will do following : discharge my Relevant Federal Student Loan ( XXXX ) ; Provide a refund for any payments made to the Department of Education on my XXXX XXXX XXXX XXXX including XXXX XXXX XXXX XXXX including XXXX XXXX XXXX loan debt that previously paid off ; and delete the credit report tradeline associated with the XXXX loan ( XXXX ). The U.S. Department of Education stated I will no longer owe the debt. Aidvantage has been made aware of the change and yet they did not send me any details about the discharge, including which loans have been forgiven. I did a follow-up XX/XX/XXXX by email. I received a reply back from Aidvantage stating I would receive an update between XXXX to XXXX business days and yet still no reply back. This matter needs to be resolved and yet Aidvantage sends me updates about my student loan when it will start up again and yet they still haven't changed my loan balance. I feel this company is well aware of this discharge and refusing to discharge it and continue to report the inaccurate balance of my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, 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:
Equifax allowed several inquiries on my report that were not authorized as required by Federal Law. Equifax aware they mixed my name and social security number with another person and refuse to fix the accounts mixed and inquires. By law any unauthorized inquiries and fraudulent accounts will need to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: AZ
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX Cashapp took money on XX/XX/XXXX when I made deposit. When asked about the missing money I was given a vague answer to why the money was missing and I had to probe for further details and when they provided the details I further disputed it because there was no transaction that happened to prove their claim. When I asked to further the dispute it took them a month and everytime someone answered my question they had me start the process of explaining the situation all over so that I could never get my issue addressed. It was close to XXXX XXXX that went missing and the transaction they claim that was put back into my account was only for {$63.00} and they won't acknowledge the issue or give me further information about the missing money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: SUNRISE CREDIT SERVICES, INC
State: GA
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:
XXXX, XXXX KNOW THIS COMPANY OR ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I continue to receive emails from Truist Bank who I have never had an account with. When the recovery dept finally took my call they advised I had a written off debt from XXXX that was opened and closed the same day. They then confirmed all my current contact information. Address, phone, and email and advised it was updated to XXXX XXXX in XXXX. I questioned why they have still been collecting personal data on me 16 years later and she could not explain or tell me what the account originally was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have taken every necessary step to ensure that the credit bureau ( XXXX, XXXX, Equifax ) updates my personal information, yet they have not done so. Not only have I asked them multiple times, I have also followed up with them and provided them with the relevant information. Despite this, they have still failed to make the changes. It is deeply concerning that they have neglected to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX  is a rip-off company that never gives modifications nor helps its customers get back on track. Stay Away from this company. They lie about not receiving modification paperwork and making the customer seem wrong. I have been going back and forth with this company for a long time and can not get any justice. Predatory lending at its best

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: World Acceptance Corporation
State: SC
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:
This account World finance Corporation is reporting to my credit report as Account charged off. {$580.00} written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a XXXX form so that i could file this ordinary income.They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-14
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing to formally file a complaint against Santander Consumer in relation to the retail installment contract associated with my auto loan. It has come to my attention that Santander Consumer failed to provide full disclosure regarding their intentions to convert this contract into security using my signature. 

Specifically, Santander took the finance securities collateralized by auto loans, bundled them into pools, and transferred them to a special-purpose entity ( XXXX  ), which subsequently transferred the pool to a trust. Payments on the underlying auto loans were pooled in the trust, and these funds were used to pay note investors their due principal and interest, with any excess spread paid to the equity holder. 

As a customer, I was not provided with full consideration and full disclosure of these actions, which I believe is a breach of trust and contractual obligations. After discovering this, I properly endorsed the instrument, filed the necessary paperwork, and sent it to their indentured trustee on XX/XX/2023, XXXX. However, Santander has neither processed the security per my instructions nor adjusted the accounting. 

Furthermore, Santander has reported late payments to my credit report and threatened repossession, causing undue stress. I have provided them with a Notice of Rescission and Removal of Security Interests, Right to Repo, and Insurance Proceeds on XX/XX/2023 XXXX. This has resulted in the violation of my consumer protection laws in the State of Florida, specifically 501.204 Unlawful Acts and Practices, 501.976 Actionable, Unfair, or Deceptive Acts or Practices, and 1006.14 Harassing, oppressive, or abusive conduct. 

In addition, XXXX, XXXX, and XXXX have provided Inaccurate reporting : As per 15 U.S. Code 1681s2 ( A ) ( 1 ), All are prohibited from furnishing any information to a consumer reporting agency if it knows or has reasonable cause to believe that the information is inaccurate. However, XXXX, XXXX, and XXXX have reported inaccurate information in my credit file, resulting in adverse actions against me by lenders. Lack of reasonable procedures : According to 15 U.S. Code 1681e, All must maintain reasonable procedures to avoid violations of the FCRA and limit the furnishing of consumer reports to authorized purposes. However, XXXX, XXXX, and XXXX have failed to maintain such reasonable procedures, leading to inaccuracies in reporting and subsequent harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: SN SERVICING CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After my bankruptcy terms had been fulfilled, I received assistance from the DC Homeowner Assistance Fund ( DCHAF ) to bring my mortgage current with SN Servicing Corp ( SNSC ). During my bankruptcy process SNSC disabled my online account access and refused to accept any payments from me. 

On XX/XX/2023, my first resumed payment was due, and my online access had been restored after SNSC received payment from DCHAF. According to my online statement, the amount due on XX/XX/2023 was {$2100.00}, and I paid {$2100.00} on/around XX/XX/XXXX. SNSC refused to apply that money to my XXXX payment. The account rep said it was a partial payment because the amount due was {$2100.00}. When I questioned why that amount is not reflected on my XXXX statement, I did not get a satisfactory response. Instead, on XX/XX/XXXX, another account statement was manufactured and added to my account, showing my account being past due for XXXX in the amount of {$2100.00}. The amount of {$2100.00} was only communicated to me via email message, but I never received a statement saying the amount due for XX/XX/2023 was {$2100.00}. 

After sending several emails and making some phone calls to SNSC, I realized no one could/would adequately explain what was going on with my account. So, I reluctantly paid an additional {$36.00} to keep my account from going into a late status. Yet, I was still charged a late fee. 

I asked for an updated amortization schedule, but was told SNSC does not supply that information. I asked how do I make extra principal payments, and I'm still waiting on an answer. I've also asked for a payoff statement that is good for 60 and 90 days, and I'm still waiting to receive that. 

After everything I've been through regarding my home, I feel like I am the victim of some deceptive and fraudulent practices by SN Servicing Corp. I would like a refund or credit for the {$36.00} that I paid in XXXX, and I would like the late fee applied for XX/XX/2023 to be withdrawn/waived. I would also like someone to look into the overall mortgage servicing practices of SNSC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In late XXXX, I received an offer for a 3 % bonus on grocery and restaurant purchases made with my Barclays Upromise credit card through XX/XX/XXXX up to {$36.00}. I spent sufficiently to warrant the maximum reward. This was supposed to credit within 8 weeks, which would have been XX/XX/XXXX. Shortly after this, I asked customer service about it and was advised it should be on a future statement. 

I've revisited this issue several times in the months since, by message, by phone, and by chat with a customer service representative. I've consistently been advised that I qualified for the {$36.00} bonus rebate, but have consistently been advised that it would credit in a few weeks or card statements, yet it has never credited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Have asked Calvary portfolio for original purchase agreements in writing to be sent to me along with summary of charges. To no avail. Was also never given to opportunity to opt out of any and all communication about this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Have asked Jefferson capitol for original purchase agreements in writing to be sent to me along with summary of charges. To no avail. Was also never given to opportunity to opt out of any and all communication about this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NC
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: SANTANDER HOLDINGS USA, 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:
THESE COMPANIES WERE ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION I NEVER AUTHORIZED THEM AT ALL THEY WERE PUT ON BY XXXXXXXX XXXX WHO WAS SINCED REMOVED FOR MY CREDIT REPORT ON THE SAME DAY XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called Fair Collections and Out have called me countless time and are making my credit score go so low over a debt I know nothing about. I have talked to them and ask them to stop the call and they keep sending letters to my old address. It is so embarrassing and now I can't even buy a house or fix myself because they have dealt with me and my credit score is back to XXXX. Please they need to take this off my credit .... Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I noticed multiple unauthorized transactions on my account. I first noticed {$240.00} charged at a XXXX XXXX in XXXX XXXX CA and an additional {$40.00} charged at a local XXXX. I noticed after seeing these charges that my card was no longer in my purse and must have been lost or stolen recent to these charges. I contacted Wells Fargo to open a claim to reimburse the {$280.00} worth of unauthorized charges on my account and was later declined. The reason for the denial was said to be due to the charges being within a 16 mile radius of my house as well as the card being used as chip or tap for some of the transactions, even though that does not always require a pin to be used to complete the transaction since the person who made these purchases did not have my pin. I never received an update on my claim, and had to reach out to Wells Fargo for this to be explained to me 2 weeks later, far beyond the 10 day window they promise. Im very disappointed in the lack of protection of my account, especially since this is what Wells Fargo says is one of their main selling points for opening an account with them.

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 monetary relief
Consumer complaint received 2023-08-15
Company: SANTANDER HOLDINGS USA, INC.
State: NC
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:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA Finance 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. I have disputed over the phone and with a rep, I also have provided ftc reports as well. I have ask for the original documents with signed signatures sent to mailing address and haven't received proof of any kind this act is in violation of my consumer law rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have attached screen photos of navient and employees insurance the fraud form navient asked me to complete undet a t I tal and permanent XXXX looks like a form for life and XXXX insurance there other Financial services that navient offered other than student loan that is published on navient website personal medical information has been released to navient at XXXX provider XXXX XXXX XXXX  and them also medical professionals involved in fraudulent and misconduct. One of navient employees could have taken life and XXXX insurance using my personal information

Company response to consumer: Closed with explanation