BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
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:
I need for fedloans to update my payment history on my credit report. my loans was in the deferment status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: TN
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 have contacted all three Credit Bureaus/Agencies XXXX XXXX Equifax, XXXX XXXX and the Creditors ( Bankruptcy Chapter XXXX, XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: COOLEY ENTERPRISES INC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

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 2023-08-30
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm writing regarding an unvalidated debt claim from a collection company, stemming from identity theft. Despite my request, the provided documents lack proof of ownership, violating my rights under the FDCPA - 15 USC 1692 ( g ). 

I've suspended payment pending proper validation. I request suspension of collections per 15 USC 1692cI until valid validation is given. 

Without valid validation in 30 days, I'll consider the debt invalid, necessitating deletion and cessation of collection. Questioning their authority to collect due to identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Unisa, Inc
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
They are refusing me my official transcripts stating that i owe money that i believe i do not owe and the XXXX XXXX XXXX XXXX XXXX passed a law on XXXX XXXX stating a school can not hold official transcripts as a way of making a student pay a bill owed to a school institute that it is seemed abusive and keep a student from being able to get a job in the future because jobs usually require a transcript. And also regarding the balance i was awarded a XXXX dollar scholarship once i had started the program and received a phone call from XXXX XXXX stating i would no longer have to pay. I had made XXXX payments adding up {$92.00} which left a balance of XXXX. Beginning balance was XXXX. If i was awarded XXXX scholarship and you take away the XXXX i had already paid and the XXXX that was left over that leaves and extra XXXX that should've came back to me however the school stated they do not give refunds on money left that it will be applied to future terms. Then soon as the future term came up the money disappeared and i have made many calls to the school disputing it and they say they would look into and never did. I called repeatedly and after a full year of me disputing the balance no one ever got back with me until i started asking for my transcript. I was also called by a man i don't know if he was from the company that services their private loans or a man female the school that called me in XXXX of XXXX stating that i would not have to pay the remaining balance because my house was crushed during the tornado that came through at the time. I've even tried paying some of the balance and the state they wanted it in full before i could receive my official transcripts. Which i then was notified about the law passed by the CFPB stating schools could no longer hold official transcripts due to money owed and i let them know and they told me to have my lawyer call their CEO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Earlier this year i signed up for a credit monitoring app and found out that someone had applied tor 4 credit cards under my name to am address i no longer even live anymore, immediately froze my credit and place a fraud alert on my report, i reach out to these banks ( XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX  ) to let them know i wasn't the one who applied for these cards. 

I also found out that the bank detected the accounts where fraudulently opened and had terminated the cards but then the cards still appears on my credit report and have BADLY affected my credit score which went from XXXX to currently 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 2023-11-18
Company: Early Warning Services, LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was instructed to deposit XXXX fraudulent company-branded printed checks via banking app mobile deposit ( unknown that these checks were fake at the time of the job scam- over 8 days time span ) Then I was to those funds ( via XXXX XXXX gift cards ) to the vendors so we could begin the equipment purchase order for my workstation at-home office Transaction dates and amounts : 1. Zelle {$2500.00} to XXXX XXXX on XX/XX/2023, ( XXXX ) XXXX XXXX. XXXX XXXX {$1000.00} to XXXX XXXX XXXX on XX/XX/2023, ( XXXX ) XXXX XXXXXXXX XXXX XXXX {$2400.00} to XXXX XXXX on XX/XX/2023 I was deceived into a job opportunity with scammers pretending to be real employees at XXXX XXXX XXXX. I was reached out to via email with an invitation to interview. The opportunity was something I had been looking for at the time, as I am struggling financially at the moment. It seemed too good to be true ( because it was ). The interviews and onboarding were conducted via XXXX XXXX  chat feature, aside from a second final interview over the phone in a XXXX minute call. They got ahold of my personal information ( I-9, W-2, etc. ), bank information ( direct deposit form ) after instructing me to hand-sign the offer letter. Upon " onboarding, '' they had me start a wireless plan with XXXX XXXX XXXX as well as purchase an XXXX and an XXXX for " work equipment '' that I would be reimbursed with in my sign-on bonus. Once I paid the {$180.00}, my devices were sent to me and then I was instructed by my " advisor '' to send the devices for proper installation and set up by technicians in XXXX. Devices are now lost/stolen and I am left with disputing this with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I don't have to be responsible for paying a services and device plan that is now a XXXX As part of onboarding next steps, they had me deposit equipment checks via the mobile banking app with XXXX XXXX, so that we could purchase my work equipment for my at-home office since the role was a virtual position. They began having me send money to third parties in different ways once some of the funds became available for withdrawal in my account. Until I saw a post on XXXX by the real XXXX XXXX nearly 8 days later warning about recent job scam at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: CHARLES SCHWAB CORPORATION, THE
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was a recent job scam I had been a victim of which involved two checks ( that are fraudulent ) being deposited through the Charles Schwab mobile app. 
I was given these checks by the scammers pretending to be employees at a real company, so that I could " purchase '' my work equipment for my at-home office for this new job opportunity. Upon depositing via the Charles Schwab mobile deposit app feature, funds became available at the max threshold of the $ XXXX at a time, and over a span of three days, those amounts ( {$9800.00} to be exact ) were used to transfer funds for purposes of " purchasing work equipment '' from the respective " vendors. '' It was only once I realized on XXXX, XX/XX/23, that I had been deceived, I was able to report this information to Charles Schwab regarding the fraudulent activity on my bank account. After opening up those disputes, were the checks ( $ XXXX and $ XXXX ) returned by the bank. 
If this had not been the case, Charles Schwab bank seems to have no way of knowing/ detecting this otherwise ( that the checks were fake ). And now I am currently sitting at a loss of nearly $ XXXX from that money from fraudulent checks lost in transfers via XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  and others. 
Please look into these XXXX checks with the respective banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and routing + account numbers on the checks themselves - you can find them in the zip file folder attachment below. 
XXXX dispute cases that have been opened up in my name ( XXXX XXXX ) : XXXX. Schwab Dispute Case # XXXX XXXX. Schwab Dispute Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: AES/PHEAA
State: CT
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:
I am currently on the Public Service Loan Forgiveness program through FedLoan Servicing. Every year I have to re-certify my IDR for my monthly payment amount. I kept receiving pop up notices on FedLoans website, emails, and reminders that I HAD to re-certify or my monthly payments would triple. So in XXXX I re-certified my IDR and my monthly payments almost doubled. Later, through my own research, I learned that I DID NOT have to re-certify for at least another year due to the Covid Relief actions by the government during the student loan forbearance period ( which ends in XX/XX/2022 ). Yet, this information was not conveyed to me by FedLoan through any means. In fact, it was buried in their website and not readily accessible unless you were looking for it, unlike all of the notifications stating I HAD to re-certify or face harsh financial burdens. I contacted FedLoan in the middle of XXXX, again in the middle of XXXX, and a third time this month in XXXX regarding them cancelling my latest IDR request ( that nearly doubled my monthly payments ) and reset it back to what it was prior to my re-certification in XXXX. I have heard nothing back. I did receive one generic reply but it said nothing about the questions and concerns I had. I contacted the Department of Education regarding the matter and they said I had to take it up with FedLoan. Which I did, but to no avail. FedLoan is still continuing their predatory behavior by not being forthright with the information that YOU DO NOT NEED TO RE-CERTIFY your monthly IDR until next year. I was informed the exact opposite of this. I am just asking that my monthly repayments resume in XXXX the same they were before the government forbearance was issued. FedLoan was supposed to be hiring more staff and extending hours to deal with the new PSLF temporary waiver, but it has been nearly three months since I have heard a reply to three separate inquiries regarding the same matter. I would like the issue resolved before student loan repayments resume and I have made that abundantly clear to FedLoan, but again, no response. This predatory and purposefully misleading nonsense was supposed to be cleared up, but it appears it is still very much alive and present. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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 a account without my written instructions.

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 2017-03-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I lost my job a few months ago and incurred a small overdraft fee of {$110.00}. I did n't have any funds to pay so my account sat in the hole a while. I finally obtained a new job and called Citizen 's Bank on XXXX XXXX, 2017 to ask if it would be ok if I set up a direct deposit into this checking account. I understood they would take the {$110.00} from the direct deposit balance but the representative explained that everything would be fine to set a direct deposit with a funding date of XXXX XXXX, 2017 and there would be no negative impact on my account. I set up the direct deposit with my employer and also filed my federal tax returns to be deposited into this account. Pay day comes and my card declines at the store, I checked online banking and the account was showing as closed and charged off. I called customer service and they said to speak with recovery, recovery said that although I was clearly misinformed and my account was set to charge off, there was no way to keep my same account information. I called customer service several times, escalated through different departments and received different answers from each representative I spoke with. A rep even hung on me after placing me on " hold ''. I was directed to my bank branch, where the manager told me to my face that she had full " discretion '' to open a new account for me but refused because of the negative balance. I explained several times that the direct deposit was set up and that I was told to set it up by Citizen 's Bank so that debt could be paid and my account would remain open. With this confusion Citizen 's refused to recover my original account. I did n't have access to my paycheck for another week and had to borrow money from friends and pay back with interest, I had to change all my banking info with HR which could cause a delay with my next paycheck, and I also am not able to change my account info on my tax return which will now cause an approximate 10 week delay on my refund because a papercheck will need to be mailed after the bank rejects the funds to the closed account. I 've already been out off work for 5 months and need immediate access to any funds available to me. The bank giving me this misinformation has put me in a tough situation financially and no one helped me and I was treated like XXXX by almost everyone at the bank. I would have never set up direct deposit for a closed account. I would have paid the {$110.00} ( hence me trying to make arrangements ) and set up my direct deposit for a different account. I have no clue when I 'll get my taxes and I need to catch up on bills I fell behind on being out of work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: CA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2023-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This cause of action is for damages based upon Portfolio Recovery deceptive conduct and efforts to collect a debt, Portfolio Recovery failed to comply with the fair debt collection practices act ( FDCPA ), section 15 U.s.c 1692c, governing communication between a debt collector and consumer without my prior consent from the consumer, caused I, XXXX XXXX to be subject to deceptive and unfair debt collection practices by way of causing my reputation to be defamed due to Portfolio Recovery extortionate means to collect a debt. I am bringing this notice to Portfolio Recovery attention to demand that you immediately cease all communication with me regarding the alleged debt you are attempting to collect, and to inform you that you are in violation of the fair debt collection practices act 15 U.S.C 1692c by way of governing communications between a debt collector and a consumer without the prior consent from the consumer, and in violation of 18 U.S.C 892 by way of gaining extortionate means to collect a debt by extortion of credit. Under the FDCPA, debt collectors are required to obtain prior consent from consumers before communicating with them regarding a debt. You have failed to obtain such consent from me, and as such, your attempts to contact me are in violation of the law. I demand that you immediately cease all communication with me regarding this debt, and that you provide written confirmation that you will no longer attempt to contact me through any medium, Furthermore, you have violated 18 u.s.c 892 by attempting to collect this debt through extortionate means. Specifically, I believe that you have threatened to harm my credit score or take other actions that would be harmful to me in order to pressure me into pay this debt. This behavior is illegal and unacceptable, and I demand relief and that you cease such practices immediately. If you fail to comply with my demands, I will be forced to take legal action to protect my rights. I reserve the right to seek damages and other remedies under the law. Please confirm in writing that you have received this letter and that you will cease all communications with me regarding this debt. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
please find attached my dispute letters which i have also submitted to bureaus several times, these accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian has accounts that been close for a while in my account and it 's making my credit score low. Even though, I have XXXX accounts on the positive side my credit score should be higher. Years back I complained to them about some accounts that were close and was still in my account. This low score is preventing me from progressing in the job market. Please help me remove these old accounts from 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 2017-03-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Have been applying for a modification at carrington mortgage since XX/XX/2015. They have closed XXXX files stating non compliance even though I call them 2-3 times a week to. Check status and request call if there is a problem with doc. They have promised not to close account as they know I am working on it and then close the next day

Company response to consumer: Closed with explanation