BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-03
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Complaint # 1 : Recertification and refund In XX/XX/XXXX, I received a notification from Fed Loan Servicing stating that it was time for me to recertify my IBR ( Income Based Repayment ) plan. The letter explained that I needed to send in a " completed application and all supporting documentation within 10 days of XX/XX/XXXX '' or else my " monthly payment will increase to {$1200.00}, first due on XX/XX/XXXX ''. 

I submitted my income recertification in XXXX or XXXX, and on XX/XX/XXXX they debited my account for {$1200.00}. This was 4 months before they were supposed to begin charging me the new payment. I called in multiple times to complain about this and while they updated my payment to reflect my income certification, they continued to take the larger amount before the scheduled XXXX date. I asked them to go back to my prior payment of {$930.00} until XXXX as they promised in their documentation, and only got passed from phone operator to phone operator and no resolve. 

Additionally, I requested they refund me the payment difference for XXXX since it did not reflect my recertification or the date they stated in the documentation, and they said it would take up to 90 days to address. I never received any further communication on the matter and never received the refund. 

Complaint # 2 : Length of time of on qualifying plan Last year I complained to Fed Loan Servicing and submitted a complaint about them to the CFPB because they miscalculated my qualifying payments. For 6+ months they said I only had a handful of qualifying payments rather the five years they later recalculated. I told them, that recalculation was incorrect and that I have been on a qualifying plan since before XX/XX/XXXX. They said they have no record of that because another servicer handled my loan back then. Aren't they legally responsible for having all of my documentation as a debt collector? There should be documentation on file as to when I enrolled in IBR and through what servicer. 

Complaint # 3 : Amount taken each month For the XXXX tax year, I made roughly {$110000.00}. In calculating my IBR, I am paying more than 12 % of my income on these loans. Is that a correct calculation? And how did my payment increase by {$270.00} this year when my salary only increased by a couple of thousand?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been using the Comenity Capital Bank Bjs Mastercard for more than 5 years, always paying on time, the financial charge is very high. I am trying to pay the total of the current balance quicker and tried calling on Friday, XX/XX/XXXX, XXXX to ask for options to reduce the interest and be able to pay it all, after waiting for more than 30 minutes the first representative didn't help and instead offer more services, then transferred me to the wrong department, this person couldn't help me and I had to call again, the second person wasn't helpful because technical problems, I called again and the third person told me she was not able to help me and transferred me to another department. After two hours of waiting I didn't receive any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: SF VAGO, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I refinanced a vehicle loan via Statefarm Bank in XXXX of XXXX. I paid off my vehicle loan in XX/XX/XXXX. Despite placing over XXXX calls with customer service representatives of Statefarm Bank over the last 2 years, I have still not been issued an electronic title release to the state of North Carolina in order to receive my vehicle title. 

I have confirmed with the North Carolina DMV that the title is showing held up in their system & can not be released with a paper lien release. Multiple DMV employees have stated that they must receive an electronic lien release from the bank in order to issue my title. I have placed over XXXX phone calls in the last 6 months to Statefarm Bank communicating that the NC DMV must receive an electronic title release. I do not have records of every call, but most recently I have placed calls on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Additionally, when I have asked to speak to someone in the Titling department at the bank, I was advised this department does not have a phone number, email address or any way for consumers to make contact. I have been promised that I would receive a call from the Titling department on several occasions ( most recently on XX/XX/XXXX ) & have never once received any communication from this department. The only thing I have ever received since paying off the vehicle has been several paper copies of the lien release via mail, despite clearly communicating to the bank that the DMV will not accept paper releases and must be provided an electronic release. 

My most recent call on XX/XX/XXXX, the representative I spoke with, XXXX, advised that there is no update from the titling department. They have told me for the last month that the Titling Department is pending communication with the DMV regarding this issue. We have heard this several times over the past year with no resolution. 

It is clear that the bank is not taking my request seriously and have made it impossible to make contact with the appropriate parties which should be able to solve the issue. Consequently, I am unable to sell my vehicle because I can not receive a title. 

Please let me know if you need any further details. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: OH
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:
I am filing this complaint due to the fact that I have made several attempts to get this error fixed on my credit report. I started disputing this particular account on XX/XX/21. Following that letter, I also sent another letter on XX/XX/21, XX/XX/21, XX/XX/21, XXXX XX/XX/21. I have been requesting that this erroneous information is removed from my account due to the fact that the account is stating that it is open and it is a collection account which is factually incorrect. A collection by default is already a closed account and it should not be reporting this way. I have the right to a complete and accurate credit report and it is clear that the way that this account is reporting is a direct violation of the FCRA. At this point I feel like I am being ignored. This error is highly detrimental to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 15th 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 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-08-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
1. XXXX XXXX COMPLAINT. 
While banking with XXXX XXXX bank on XX/XX/XXXX. I ran into the trouble with finding employment. As member, I had choice to pay my bills automatically. Going through the struggles, I asked XXXX   XXXX bank to cancel the incoming automated payments bills, instead they informed me that this was not possible. They informed me that this was solely on system. By the end of all this, I had {$950.00} in fees with bank which I paid all of it off to the bank. Bank having little satisfaction, it reported me along with my social security to all its associates and many other financial industries as risk customer. I soon realized that since my name can be found into XXXX XXXX XXXX which completely sabotage my life and shaded my reputation even after I finished paying off the debt that I owed. I would like your office to have XXXX XXXX bank do its duties by taking off my name off XXXX XXXX XXXX as risk customer and stop ruining my reputation. 







1. USAA COMPLAINT. 
While banking USAA bank on XX/XX/XXXX. I fell for scam employment which I happened to receive job offer working from home. This offer came with funds to purchase computer equipment and pre-paid life insurance. Being hesitant customer, I informed USAA customer services that I did not completely trust this new employment since I did not know if the fund were really. I received cashiers check in mail which I went ahead and deposit into my account with USAA. I waited for while for all the funds to be available and USAA customer services insured me that there was no problem with check. So, I started purchasing equipment and other things needed for the job. Within 72 hours, USAA bank fraud department told me that check was fake, and I was responsible for it. I was treated as perpetrator instead of victim. I reported incident to the FBI and I informed the bank that I was not nearly perpetrator and nor responsible. I informed the bank that the case was reported to the proper authority. I maintained my innocence while informing the bank that it failed to do its duty. The authority informed me to stop talking to this employer. USAA bank reported me to XXXX XXXX XXXX and other financial industries as risk customer and shaded my reputation. I would like your office to investigate this matter and advise USAA bank to remove my social security off XXXX XXXX XXXX and stopped ruining my reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: CA
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:
I am writing to delete the following information in my file. The items I need deleted are listed 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 credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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 2022-09-12
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recognized that my credit score was dropped from a report from Pro Collect for XXXX student housing. I attempted to call the number attached XXXX XXXX XXXX and since I did not have a collection number and I did not want to provide them with my social I could not be helped. I have never attended nor lived in student housing at XXXX this is a school my daughter attended years ago and I have never signed any documentation for housing or anything else. I need to know how can someone elses debt affect my credit. I need this removed from my credit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tx XXXX is the address

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 2022-12-13
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-08-18
Company: Dyck-O'Neal, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing because XXXX XXXX has foreclosed on my home using what I believe are fraudulent documentation.

They submitted a Deed of Trust that is not even recorded in the county, it does not bare my signature. Once I pointed that out to the court they then went to the county and submitted my deed of trust that is recorded in the county. Please see their motion attached. They also are a debt collector claiming to be the secured party and foreclosed on a debt they claim is twelve years old. They foreclosed on a debt they claim defaulted in XXXX, which exceeded the statute of limitation. Even if they were the secured party ( which I believe they are not ) they are trained and should be familiar with the statue of limitation as they are registered debt collectors. This is why I believe they have committed theft over {$300000.00}.

Just because a foreclosure has taken place does not mean it's a legal foreclosure and that no crime has been committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
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:
XXXX has false information on my report that I have fairly attempted to resolve with them and been unable to do so. There is a blatantly false and misleading entry stating that I wrote bad checks on an account for RBFCU ( an account that was shut down during bankruptcy while checks were outstanding ), and this did not happen. Their investigation took the company at its word and did not properly investigate this false allegation. XXXX has wrongly claimed to have verified the information leaving me with no available remedies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I HAVE NEVER BEEN 30 DAYS LATE, ON A PAYMENT, AS MILESTONE ( CREDIT CARD ) IS REPORTING. I HAVE REVIEWED MY PAST PAYMENTS, AND NONE WERE 30 DAYS LATE. FOR INSTANCE, MILESTONE IS STATING THAT MY XX/XX/2022 PAYMENT WAS 30 DAYS LATE ; I MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$60.00}. I ALSO MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$120.00}. MY XXXX PAYMENT WAS DUE ON XX/XX/XXXX. THE XX/XX/XXXX PAYMENT PAID THE PAYMENT DUE ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA section 623 ( a ) ( 1 ) ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX Contains incorrect Information address and is not my account XXXX  XXXX XXXX  also being reported on all 3 bureaus conflicting account opened dates this account was also opened in XXXX but conflicting on all reports XXXX XXXX  also not my account conflicting information on all 3 bureaus address I did not live at I have reported my identity being stolen or used I have been successful with some and not all they won't delete I have disputed items I also have been compromised on the dark web in 3major data breaches in the bureaus XXXX also not my account also being reported to all bureaus in question this account was opened in XX/XX/XXXX also conflicting dates opened in reports wrong address used too open account XXXX XXXX XXXX  opened XX/XX/XXXX Also not my account wrong address conflicting information XXXX account paid by a payday loan direct deposited into this account before closed and still they report this as unpaid derogatory XXXX also XXXX being reported numerous times under different names being reported as secured and it is not secured with anything at all also conflicting information addresses amounts and information Under FCRA it is my right as a citizen too have these accounts removed from my reports that are being reported as derogatory closed collections wrong addresses conflicting names addresses my address amounts personal information I have disputed these with the CRA and got nowhere my life is in shambles these accounts are hurting me from building a proper credit profile that I need too move forward in life for my family I do not know what else too do I need help getting these items removed from my reports im hoping this is the right way or my right option because nothing else has worked thank you for you 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 non-monetary relief
Consumer complaint received 2015-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A CAR DEALER DID XXXX INQUIREIES WHEN I WAS JUST LOOKING. XXXX IN XXXX NEW MEXICO THEY BATCHED MY IMFORMATION TO XXXX FINANCIAL INSTITUTIONS WITHOUT MY PERMISSION. ALL I WAS DOING WAS LOOKING AT AUTOS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation