BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: AES/PHEAA
State: FL
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:
For years I have been trying to determine why my Federal Direct Subsidized loans were converted or consolidated into a FFELP loan without my informed consent that I would lose all eligibility for loan forgiveness programs under the U.S. Department of Education. I have been denied on multiple occasions for the Public Service Loan Forgiveness Program due to the fact that my loan has been converted to a FFELP and is no longer considered a Federal Direct Loan. I was never informed at the time of consolidation that the loan would be converted and I would lose all my rights to apply for the Public Service Loan Forgiveness Program. My loan servicing agent has informed me on several occasions that my loan does not qualify for the loan forgiveness program because it is a FFELP consolidation loan and if I want to qualify for the loan forgiveness program that I will have to consolidate my current loan with the U.S. Department Education. How can I consolidate this loan when it is the only loan that I have? I believe that the servicing agent deliberately withheld pertinent information from unsuspecting borrowers for monetary gain. The agent does not provide any forgiveness programs at this time. While reviewing my consolidation loan application/promissory note ... in fine print it states that I might not be eligible for SOME loan discharges that was once associated with the loans that is being consolidated but never provided the information to me pertaining to the loans that I would or would not be eligible for if I consolidated my loans with this agent. I did not receive an opt out agreement or any correspondence explaining the terms of the loan if consolidated. I have been working for a public entity for 25 years and to find out that I can't take advantage of a program that has been offered to me to alleviate a debt due to greed and the absence of information is beyond me. I have documents that the agent has sent to me but none of them are clear and concise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: VA
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2023-08-02
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called the servicing company Monday to make 3 payments on my mortgage and she would not take them. She said my best option was to sell. I dont want to sell. When I did the hardship papers, they just sent me the appraisal to the house. Ive tried to pay several times and everyone gives me a different amount. The 1st time XXXX said if I pay {$4100.00}. On the XXXX of XXXX Id be fine. I tried and they said no. I can up with the 3 months and they said no. Now they want {$4000.00}. In fees. The company is Faye Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ DATA, a collection agency for XXXX XXXX XXXX has posted a debt collection entry on my credit bureau. 
I do NOT owe this debt! 
I was given a notice in XX/XX/2021 that my lease would not be renewed by the property management company so I moved out in XX/XX/2021 and they are charging me for a lease break fee since my lease initially ended in XXXX and also one months rent. I do NOT owe these funds and I would like this removed from my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
During XXXX of this year 2022, I made a purchase through XXXX purchasing a sweater that was listed as authentic when it was counterfeit. I wasn't aware that the item was counterfeit. I messaged the seller a couple of times asking if sweater was legit and he said it was. I took his word for it and I purchased the sweater and I even gave him feedback. When I received the sweater the I had some doubts so I went to get it verified to see if it was authentic and it turned out to be counterfeit. I then tried to return the product to XXXX but I failed because seller doesn't accept returns. What I did next was that I filed a claim with my bank Wells Fargo to get my money back and they did send it back. Then a few months later, recently, they said that I lost the claim because I didn't return the sweater and that supposedly the seller 's product was legit. Wells Fargo withdrew XXXX dollars. I would like to receive that money back. It is also illegal to sell counterfeit items and I have all the proof that the sweater is counterfeit and I have proof that the seller messaged me saying it was legit and I have proof that he doesn't accept returns. I would like to receive my money back from Wells Fargo.

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 2023-07-29
Company: General Motors Financial Company, Inc.
State: MS
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 GM Financial 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 a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI is violating the terms of the CFPB XXXXonsent order https : //www.consumerfinance.gov/about-us/newsroom/bureau-settles-bsi-financial-services/ specifically : " Handling mortgage servicing transfers with incomplete or inaccurate escrow information resulting in untimely escrow disbursements ; Inadequately overseeing service providers, resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners ' insurance premiums ; '' Clearly BSI continues to mismanage escrow disbursements, and CFPB needs to investigate BSI for ongoing malfeasance.

As an example, my current situation relates to an ongoing issue which BSI refuses to acknowledge - either through incompetence or willful ignorance. My impound account shows three debits of {$2500.00} for property tax ( actually four debits and one credit - all for the identical amount- so the net number of debits is three ). However, only two tax payments should have been made at that dollar amount. This means that there is an ERROR IN THEIR ACCOUNTING FOR MY IMPOUNDS. They should also investigate POTENTIAL FRAUD OR EMBEZZLEMENT from within BSI - since there is no reasonable explanation for the debit, and their ongoing reluctance to address this problem is clearly a concern. The attached documents are : - copies of my property tax bills showing dollar amounts and that only two payments of {$2500.00} were needed. - a copy of BSI 's prior response, the final page I have highlighted FROM THEIR RECORDS the property tax payments at issue. 
Also an image of my XXXX tax bill showing XX/XX/2020 tax dollar amount - further proof of BSI 's efforts to misinform ( i.e. also attached tax record proof that XX/XX/2020 taxes were paid XX/XX/2020 - SIX MONTHS BEFORE BSI WAS EVEN SERVICING THE LOAN. but none of that matters since my taxes were up to date BEFORE BSI bought my mortgage )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my 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 2023-01-11
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi National Recovery Agency/ Ntl Grid MA ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2021-10-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
To whom it may concern, On XX/XX/2021, I leased a XXXX XXXX. At the dealership, we set up an agreement to receive a paper bill mailed to our address. However, the bills were never received due to Covid-19 related delays in the postage system most likely but the reason is ultimately unknown. I visited the dealership in person to figure out the issue. There were no address issues on the account that could have caused the delay. After leaving the dealership, I was able to set up an auto-payment system with the account number that the dealership provided. After the first payment, a credit report from experian.com revealed that my score dropped significantly ( from XXXX to XXXX ) because of XXXX late payment. We are leasing the XXXX XXXX for a a long time and there has never been a delayed payment on my end and I always adhered to all deadlines and rules. I contacted the XXXX XXXX  costumer services, the case # XXXX for account # XXXX was open on XX/XX/2021 based om my complain. Please assist in any way you can to rectify the issue and have my credit score reflect appropriately.

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 2021-10-18
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
Hello, I am writing this letter to file a formal complaint with santander usa. The company has reported my account past due when I was told on several calls that it would not if I continued to make the payments due to the account having reached maturity. The goal was to get a modification approved. I specifically asked if i was ok with making the normal payments and that my account would not be adversely affected. The agent assured me that it would not and they would offer a modification to take care of the remaining balance. To my surprise of the weekend of XXXX XXXX was notified of the late payment status to the credit reporting agencies. In addition, the modification documents for signature and the email noted it would deactivate on the XXXX. I attempted to access the document on the day and was given an error message. I am currently under going a refinance of my house. I acted on the advice from the agents regarding payments which appears to have been incorrect. I respectfully ask that this 30 day be removed from my credit report. I only did what i as told. Listed below are the times and agents i spoke with. 

Thank you very much. 

XXXX XX/XX/XXXX- Agent badge XXXX XX/XX/XXXX - Agent badge XXXX XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wrong info on XXXX  card and employment information and hard inquiries

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 2021-10-19
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO MY NAME IS XXXX XXXX AND I'M ATTEMPTING TO RESOLVE THIS MATTER WITH XXXX XXXX XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

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 2021-10-18
Company: Mountain Run Solutions, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I faxed XXXX a copy all my identifying information along with an FTC report. Explain I did not consent not authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: AL
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. 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 non-monetary relief
Consumer complaint received 2021-10-19
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:
This collection agency ( eastern account systems ) is attempting to collect a debt from XXXX, and reporting this debt to the three major credit reporting agencies. This debt originated in 2011 ( found out after contacting original creditor directly ) which is well past the statute of limitations for collection of a debt or reporting to credit reporting agencies. Fraud case opened as this is an identity theft case. Past collection agency XXXX and XXXX already deemed this debt unverifiable. After multiple disputes with CRA, somehow eastern account systems keeps reporting back a debt as verified even though it is 10 years old. Considering legal action against all parties if collection activity and reporting to CRAs does not stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
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: 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 non-monetary relief