BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: TN
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 attended XXXX XXXX from XXXX. My student loans were disbursed by XXXX XXXX ASPIRE SERVICE CENTER AND XXXX XXXX XXXX XXXX beginning in XXXX. I filed for bankruptcy to which XXXX XXXX XXXX XXXX/Aspire filed a claim in my case. They filed a claim on XX/XX/XXXX for the amount of {$23000.00} with the court and was paid through the court system. XXXX XXXXAspire was acquired by XXXX XXXXXX/XX/XXXX XXXX When my case was discharged, Aspire began trying to collect from me under XXXXAspire for the amount the court did not pay through the case. When I spoke on the phone with several representatives previously with the last one being today, different things have been told to me. The rep today ( XX/XX/XXXX ) told me that payments have not been made and that they did not file a case in a bankruptcy, so I sent her the printout from the XXXX to show proof of payment. She then found the payments in their system but stated that they pulled the debt back and billed it under the gaurantor which is XXXX. XXXX was not the guarantor when XXXX XXXX/Aspire filed the claim in the case on XX/XX/XXXX, they did not become the guarantor until XX/XX/XXXX to which at that time Aspire had already began receiving payments from the court. Payments were made by the court on the following dates below : They are now trying to make me pay for the loans under the new owner when they filed a claim and were paid under the old owner. Thank you for your help, Date Check Number Name of Party Description Payment Amount Total XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$120.00} {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$480.00} {$5100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$4700.00} XX/XX/XXXX XXXX GXXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$390.00} {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$480.00} {$3900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$390.00} {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$3000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$480.00} {$2600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$390.00} {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$480.00} {$1300.00} XX/XX/XXXX XXXX GXXXX XXXX XXXX XXXX XXXX XXXXMOUNT PAID TO CREDITOR {$390.00} {$880.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$100.00} {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The Servicing of my Mortgage loan with Mr. Cooper was transferred to XXXX XXXX effective XX/XX/XXXX. While my loan was with Mr. Cooper, an Escrow of {$430.00} was being charged every month. 

On XX/XX/XXXX, While my loan was still with Mr. Cooper, I purchase home insurance with XXXX XXXX XXXX and paid {$770.00} for Insurance Policy Period XX/XX/XXXX to XX/XX/XXXX. I also provided proof of insurance to Mr Cooper. However, Mr Cooper still continued collecting escrow for insurance and taxes even though I sent complaints to them several times. 


On XX/XX/XXXX, I realized my property taxes had not been paid by Mr. Cooper so I made a payment online for {$2000.00} XXXX XXXX has sent me an escrow bill of {$1300.00} for XXXX, XXXX and XXXX. When I requested they remove the escrow charges since I already paid my insurance and taxes, they sent me an escrow projection for XXXX that states that starting on XX/XX/XXXX to XX/XX/XXXX they will be collecting {$230.00} a month to go into the escrow account. 

I need help getting my money back that I have paid into Escrow from Mr Cooper in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: BOEING EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a BECU account under the refer a friend program. I never received the bonus. It has been the full amount of time to wait and still have not received. I called in several times saying wait few more weeks and I did but the bonus was never put in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, Monday. I called Citi, XXXX, on current statement ( bill due XX/XX/XXXX ) to make a payment. I have used the automatic system throughout the history of this card ( member since XXXX ) ; on statement ). I had made consistent payment and NO late payments. The automatic system could not find my account through phone verification ( this is the first account with CITI ), full cc #, full social security, partial SS #, bank account numbers and actual card number connected to this account. I USED touched tone and voice able. It connected me to a rep outside USA, and she tried to verify using the above, using my phone XXXX, another phone number for text " code '', security question, address. Rep stated she could not verify the account. I asked to speak to a supervisor in the USA and she stated it take a long time for a USA rep to be connected and I said connect me anyway. I got connected to the USA sup and she tried the same thing as above. No attempts were made to update phone number ( old number on file ), no attempts were made to update security questions on their ends. USA rep sup told me the last rep stated she send a letter with a verification code and I am to call back with this code. I TOLD her she never sent a letter nor told me about the letter and to listen to the recordings. I REQUESTED RECORDINGS of ALL ANY CONVERSATIONS, Still have not received and I REQUESTED NO LATE FEE ON MY ACCOUNT and the first rep and sup stated because we can not verify the account that is not possible. I REQUESTED THIS TO BE NOTED ON MY ACCOUNT. What is interesting to me is the system had no issue pulling up a NEW ACCOUNT, paid in FULL. This is the FIRST TIME I have ever experienced this and I have bank statements showing payment. This is unethical, demeaning, and horrible customer service USA  and outsource.

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 2020-10-03
Company: Navient Solutions, LLC.
State: NJ
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 have XXXX Plus loans that were taken out from XXXX for XXXX  school. I am not including personal information but please feel free to reach out for the information. The loans were at 8 % interest rate. When I graduated and it was time to pay the student loans, I was unemployed. Nonetheless, I qualified for income-based repayment and made small payments when I could. I was eventually able to make consistent payments through the income-based repayment program and the payment amounts increased due to my income. I believe the original servicer of the loan was Sallie Mae. At one point, Navient became the servicer for my loans. It is understandable to learn that the interest amount owed increased. However, I went from borrowing {$160000.00} in student loans and now owing {$340000.00} in loans and interest. The loan servicer is now XXXX XXXX  Complaint 1- It is  unclear to me how the amount of my loans owed has increased to double the amount although I have continued to pay and consolidated the loans. Complaint 2- when attempting to contact Sallie Mae and Navient for the documents ( 1. loans i applied for, loan amounts owed, monthly statements ) they state the documents are no longer available. Complaint 3- i would like an accounting of my student loans as I believe that the amounts I initially applied for are incorrect, the amounts that have been transferred from servicer to servicer are incorrect and the amounts that I am currently owing are incorrect. Complaint 4- I was misinformed by Sallie Mae and Navient on the options that I had available during the periods that I was unable to pay my loans. I realize that this is not my specialty and therefore I may not be using the correct vocabulary. I ask for your assistance in resolving the issues listed above. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Affidavit of Truth This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions ; Furthermore, XXXX XXXX XXXX failed to clearly & conspicuously disclose my right to rescind. 
I, XXXX XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law ; XXXX XXXX XXXX also accepted a CASH down payment of {$4000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction. 

Ive entered into a contract without full disclosure and later noticed violations and or fraud. I have a right to rescind my contract immediately. Also Ive been paying Santander Consumer USA a monthly Note in the amount of {$720.00} which later I found out was not a loan. 

Car was also repossessed XX/XX/2022 and has caused my family huge amount of problems, as my personal information and belongings was never returned from the vehicle. Been calling my phone non stop trying to collect an alleged debt after selling my vehicle. Ive lost my job due to my vehicle being repossessed causing damage to my family and I. 

15 U.S.Code 1692j- false and deceptive forms 15 U.S.Code 1644 ( a ) - fraudulent authorized use of credit card 15 U.S. Code 1662 ( b ) - mixing cash with consumer credittransaction 15 U.S.Code 1605 - finance charge defined and what is all included 16 C.F.R. 433.1 ( d ) - purchase money loan company got a cash advance for using my social or credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Cedars Business Services, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cedars Business Services of XXXX, CA is trying to collect a traffic fine imposed on me by the city of XXXX, XXXX. All of the details about this fine are incorrect however. I did fly there and rent a car but it was a decade earlier than the date of the offense. It was also a different part of the day. In a letter Cedar sent me some years ago, they included a traffic-cam photo of a car at night supposedly proving their point. I was there in the daytime. I explained all this to them in a phone call a couple years ago and the person I spoke with agreed to cancel the case. I just received another letter try to get me to pay and now the amount is greatly increased due to the time passing. 
I have no idea how the police in XXXX connected my name with something that happened when I wasnt there. Lets assume it was an honest mistake, but please help me stop Cedars from the continuing harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They have an inquiry from XXXX  from XXXX and I dont owe a XXXX at all. Never have. They have it confused with my older brother since our social security numbers are close together and only different my the last number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03
Company: EQUIFAX, INC.
State: NY
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 RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX My Identity was stolen and accounts where open in my name, I have tried several times to have this company look into it. But they fail to do so and say debt is validated. But its not mines. theres a whole different email address attached to that account because I did my own research 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: ADIR INTERNATIONAL LLC
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

1

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XXXX, XXXX XXXX wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. XXXX XXXX XXXX XXXX confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with XXXX XXXX, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, XXXX XXXX XXXX XXXX was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to XXXX XXXX XXXX XXXX through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, XXXX XXXX has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where XXXX XXXX wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XXXX and they is INCORRECT!!  Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XXXX XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in 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 2022-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to Apply for a car they told me they were only going to run my credit through one financial service. They lied I did not find out until a year later they ran my credit through several financial institutions. These are the institutions 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 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is deliberately causing me hardship and defaming my character as well as intentionally violating my consumer rights. I wrote to Experian on XX/XX/21 requesting they update/ correct my address and send me a updated credit report in the mail. Which they have not. Also on XX/XX/21 I mailed them a letter requesting they correct my credit report and send me a updated copy, at which I have still not received a response nor a copy of a updated Credit Report in the mail from them. I feel they are intentionally ignoring my requests and continuing to report negative, inaccurate accounts on my credit report.

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The Credit bureaus stated that my account with XXXX XXXX XXXX  ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX and my state Attorney General 's office have also been contacted regarding this matter. They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

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 2021-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I ordered several items from XXXX, once they arrived I decided I did not want the items anymore. So I created a return with XXXX. I returned all the items, I have an email saying the carrier received the items and that they were going to refund me. In XXXX my account was drained of all the money it had plus more. I reported my debit card lost in XXXX, yet Bank of America decided to let XXXX charge for the items they had received. I have sent proof to Bank of America that XXXX carrier received the items. I am attaching proof that I have been dealing with BOA for over a month. My account is in the negative and yet they also continue to charge me their fees. Please help as this is a clear case of big corps targeting regular citizens for their gain.

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