BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-22
Company: Premier Student Loan Center
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX I signed a document after discussing w/ a third party called premier student loans ; who offered services to me in consolidating my loans leading me to believe that if I paid 6 months worth of {$250.00} for 6 months I would only have to pay {$40.00} to them making me believe that after 10 years the rest of my loans would have been forgiven. They collected information from me as I worked at XXXX Hospital XXXX and XXXX Hospital XXXX  saying I qualified for this assistance. They asked for my ID and password as to make changes on the account 'for me '. My payments towards XXXX were then changed to {$50.00} a month, on top of this XXXX fee. I contacted this company summer of XXXX when I was noticing that I was still paying extra essentially and had done the math in my head that this loan forgiveness didnt add up but they told me I could not buy out of this payment plan and was stuck with them for the remainder of the term I had signed. After getting notification to recertify my income driven plan ( which I didnt realize I was in as I wasnt having an issue paying my loans I just wanted to have loan forgiveness and in turn hopefully lower my payments ) My monthly payments increased to where my usual baseline loan payments were prior to engaging to this company. I have now realized that in the coarse of 10 years I will have given money to a 3rd party for essentially nothing. I believe that I have been scammed out of almost XXXX in using this company and they continue to take out money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had a BP gas credit card which was held through XXXX XXXX It is one of the few accounts which I pay on line, and I usually send a set amount of {$100.00} a month prior to receiving the statement in the mail. From XX/XX/2022 to XX/XX/2022, I sent a total of {$550.00}, through my banks web bill pay system, to them. What I did not know was that XXXX sold the BP card to another company, the XXXX XXXX XXXX XXXX XXXX, at some point earlier in the year. I started receiving late payments ( with late charges ) from this bank in XXXX, which I considered a scam and ignored it for several months. When I finally got in touch with them, gave them bank statement proof of payments, they cancelled the charges and attempted to retrieve the {$550.00} from XXXX to no avail. I phoned and tried to contact XXXX multiple times and eventually sent them a certified letter of demand for the return of the overpayments. I have still not heard from them and I hope that you can help me resolve this issue quickly, or guide me in a way of taking legal action against them. Thank you

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 2023-06-06
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear, SANTANDER CONSUMER USA I agree to pay the following financial obligation regarding account number XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both SANTANDER CONSUMER USA AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 

A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. SANTANDER CONSUMER USA is to also provide the identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX XXXX/ XXXX Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: GOLDMAN SACHS BANK USA
State: TX
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 contacted Green Sky Installment about an unauthorized hard inquiry made on XX/XX/2022. Green Sky Installment informed me that XXXX  by XXXX made the inquiry. XXXX by XXXX only had authorization to submit a soft inquiry, this inquiry by XXXX by XXXX was not authorized. I have contacted all involved institutions but Green Sky Installment will not remove the hard inquiry. XXXX by XXXX has not contacted me. I have asked the reporting credit bureau to remove the hard inquiry but they will not because Green Sky Installment must contact the reporting credit bureau for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, the SBA deposited {XXXX} into MY CITI BANK ACCOUNT. CITI BANK decided to call it FRAUD and close out my account and keep my funds until this day. I don't know where my funds are. They will not return them to me nor the SBA. They will not give me any information nor have they returned me my money. They are a horrible and unprofessional company. They are saying I am committing FRAUD when I submitting countless proof that I owe a business and am entitled to those funds from the SBA.

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 2020-03-10
Company: Experian Information Solutions 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:
The items are not my items

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 2023-10-18
Company: Telerecovery Corporation
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  enlisted Telerecovery to pursue a debt years after I moved out, and I had no payment owed to them at the time of move out. I reached out to ask for proof of this debt and have been provided with none. I have repeatedly tried for 4 months to dispute it, but they keep re-adding the debt and increasing the amount owed. 

I have emails from XXXX XXXXXXXX demonstrating that they received their last payments at the time of lease termination, so there is a XXXX balance at move out. 

Telerecovery 's information is listed as : XXXX XXXX XXXX XXXXXXXX, LA 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 explanation
Consumer complaint received 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 call XXXX, XXXX and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from XXXX  hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: GA
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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted I listed below in the report I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report.

I reported the theft of my identity to the Federal Trade Commissions and I have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Capital Link Management, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Capital Link Management is not only sending unauthorized wrong-party phone and text debt collection messages to my personal cell phone, but they have revealed, in detail, the debt of a party completely unrelated to me in violation of the FDCPA. That detail includes, without verification of my identity or cell phone authorization, the wrong-party name of the debtor a detailed amount owed. 
Their ( now redacted ) unlawful message reads " Hello, XXXX XXXX, our office Capital Link Management, has been granted the ability to provide an equitable settlement or payment plan on Balance Credit, account. XXXX $ XXXX,. Option 1. pay one time $ XXXX, or $ XXXX, over a year period. Please Call XXXX at XXXX. Thank you. If you wish to no longer receive text messages, please reply STOP. ''

Company response to consumer: Untimely response
Consumer complaint received 2019-10-03
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I obtained a care credit card to be used exclusivelybfor medical costs through synchrony bank. My credit score was low so I obtained a co signer as my father agreed so I could have some XXXX  work that was required. The total charges came to over {$9000.00} in 2 separate charges. I opened account in XX/XX/XXXX and proceeded to make extra payments and paid the entire balance off by XX/XX/XXXX. I was not required to make additional payments and had a 3 year window in which to pay the required monthly payment. I was never late with a payment. Then I received a letter dated XX/XX/XXXX that my account was closed due to them checking my credit score and determined it was too low and I was too great of a risk. Even though I still had my father 's name on the account ( his credit score was XXXX last time he told me and I'm sure it's still in that area ), and I had paid off the account 2 years before the original agreement and was never late with any payments. Also I'm positive that my credit score has risen over the past year due to the new card and good status. So they had to originally approve me with a lower score than they say is why they closed account. This them caused my credit score to drop as this was the only card I currently had active. I just wanted to keep account open in case of medical emergency but they told me the computer system automatically makes the decision and nothing could be done. Thank you for your assistance and time.

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 2023-10-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 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. 
On XXXX, XXXX XXXX Reported to XXXX that I had a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: Nationwide Recovery Systems, Ltd
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nationwide Recovery Systems initiated an attempt to collect on a debt in XX/XX/XXXX in the amount of {$500.00}. I have statements through XXXX ( page 2 of the attached PDF ) providing proof that I paid this debt in the exact amount that theyre requesting as of XX/XX/XXXX. Theyve been unable to prove that I have any other outstanding debt, as the original was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was told that because I was a veteran who made 12 consecutive payments on time I sas being given a rate reduction refinance free of charge at no cost to me of 1/2 % from 5.15 % to 4.5 %. 

If I knew what was going to happen or that it was a lie I would never have committed to doing a refinance. I feel that I was targeted in a predatory manner by my mortgage company. 

I am a XXXX veteran and so I get an exemption for my taxes and was waiting on a refund from my escrow account. 

In XX/XX/2019 I was contacted by my Mortgage company about this incentive to reduce my mortgage rate from 5 % to 4.5 %. 

After a short period, maybe twenty or so days, I was scheduled and had someone come out to the house to sign a very large amount of paperwork ( more than sixty or so pages ) where I was shown that my rate was going to be reduced by about 180.00 per month. I finished signing and the person left. 

About three months later ( XXXX ) I received my taxes due and called the mortgage company to submit the numbers and receive my refund of all the overpaid tax money in my escrow account because I receive a large deduction being a XXXX veteran. It was then that I was advised that my escrow account was emptied and used as an advance to pay down my principal on my house from the original XXXX to XXXX. 

Fast forward to yesterday where I received a letter from the mortgage company telling me my escrow account was now negative ( XXXX ) and I needed to submit a one time payment of XXXX to bring my escrow account to the minimum or if not, my new mortgage payment would now be an additional {$700.00} per month for the next year, which is more than I was originally paying. This in no way helped or benefitted me and has only put undue stress on my finances. 

This was obviously deceitful and harmful and I would have never entered into this deal if I knew this is what it was. Now I have no money for XXXX for my family and no money to cover the taxes due in XXXX for the XXXX district. I dont understand how this is even legal.

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 2023-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
1.0N XXXX I REQUESTED THE METHOD USED BY TRANS UNION , XXXX  , AND XXXX ON HOW THEY VERIFIED MY BANKRUPTCY SUCH AS NAME OF COURT, PERSON WHO VERIFIED IT, ADDRESS, TELEPHONE AND DOCS USED TO VERIFY THE BANKRUPTCY. LETTER ATTACHED 2.ON XXXX AND XXXX I RECEIVED LETTERS BACKS FROM XXXX  AND XXXX, TRANS UNION NEVER RESPONDED. XXXX AND XXXX  THAT THEY USED A 3RD PARTY VENDOR NAMED XXXX XXXX A VIOLATIONS OF THE FAIR REPORTING CREDIT ACT. LETTER ATTACHED 3.ON XXXX I WROTE TO THE US BANKRUPTCY COURT OF NEW JERSEY ASKING THEM DO THEY RELEASE INFORMATION TO 3RD PARTIES. THEY DO NOT REPORT INFORMATION DIRECTLY TO ANY CREDIT BUREAUS OR 3RD PARTIES. LETTER ATTACHED 4.ON XXXX I SENT LETTERS TO TRANS UNION , XXXX   AND XXXX EXPLAINING HOW THEY BLATANTLY VIOLATED THE FAIR CREDIT REPORTING ACT BY USING A 3RD PARTY TO VALIDATE INFORMATION THAT GOES ON MY CREDIT FILE. 
LETTER ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: URS Holding, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, through its Collection Agent, Alltran Finacial claimed to have agreed to a resolution of a disputed debt. When asked for written confirmation of the arrangement, Alltran initially claimed a letter memorializing the arrangement was mailed. One week later the promised letter never arrived. Alltran refused to email or fax confirmation of this arrangement and then advised that unless a payment was made ( despite still refusing to confirm anything in writing ) XXXX XXXX would " recall '' their file. 

Every effort was made to assist Alltran in confirming the arrangement in writing. An email initiated to Alltran memorializing the terms was not responded to. Alltran 's refusal to confirm terms of the arrangement are highly problematic.

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 2020-03-10
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent numerous certified letter explaining to Equifax that the debt is not mine. Every time they have sided with the creditor. Equifax always states to me they have " verified '' this debt is valid. But per the fair crediting and reporting act I have repeatedly requested documentation bearing my signature and any other paperwork they have to affirm this debt as valid. To no avail because Equifax has not sent me anything. They never respond to my written request. I call them on the phone and a representative does not give me any information either. This debt is invalid and needs to be removed from all three bureaus, specifically Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt this item has been removed several times for months or years and keeps reappearing without knowledge or communication.

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