BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-10
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was not told that interest would capitalize on my loans with XXXX XXXX XXXX when I was in forbearance in XXXX. I was in the process of trying to enroll in IBR and instead directed into forbearance as a better option. I recently looked at my records and there are multiple charges of interest capitalization totaling over {$65000.00} between XXXX and XXXX. At the time I was in XXXX   and thought that it was just the interest from XXXX school  capitalizing, but looking back at the account now, something is suspicious and I see at least {$65000.00} of interest that capitalized between XXXX that doesn't make sense on their paperwork and seems excessive. There is {$28000.00} of interest that capitalized in XX/XX/XXXX when my grace period from XXXX school  ended which makes no sense since the interest was already capitalized on earlier statements and I was not even in forbearance. It happened again when I was in forbearance but again, I was not told that the interest would capitalize when in forbearance, just that it would accrue. 

Also, I have made payments in the past year to completely wipe out certain loans and then the next month there was nearly {$1000.00} back on the account. When I try to resolve with the company they always have an explanation, but not one that really makes good sense. 

I just thought I had overlooked something, but now I have heard that they are making errors like this and have been looking into my account and find it almost impossible use their system to understand my loan balances and how the balances are being calculated. I feel very uncomfortable, similar to when I had a property manager who turned out to be stealing from me by using a rigged spreadsheet to calculate my revenue. 

I have a significant amount of student loan debt from XXXX  school ( {$260000.00} borrowed initially ) however over {$200000.00} in interest has accrued since I have been in XXXX. It just doesn't make sense that {$65000.00} worth of interest could accrue within the first two years and then be capitalized without me being told this would happen. If this is an error the interest that has been charged on these amount will need to be recalculated as well because I should not have to may interest on principle that was improperly capitalized interest. 

The amounts they report that I have paid in total so far also continues to fluctuate and seems to be wildly inaccurate on some of their spreadsheets and account statements. There is not good information and easily accessed information on the website. It is very difficult to make sense of how they are keeping track of the principle and interest. 

Something is wrong and I need to get it cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The issue began when I tried to open a new account at Fifth Third Bank under a new customer promotion. 


The bank denied me the promotion, saying I was an existing customer. However, I had no accounts with Fifth Third Bank at the time. I never consented to be a joint owner of the account they said I was. I asked for the signature card or any other evidence that I agreed to be on the account. They said they had nothing. I asked to be removed from the account. They refused. They are holding me accountable to a checking account I never consented to ( or even knew about ). 


The banks official response ( paragraph 4, attached ) from last week is that I came into the bank on XX/XX/2019 attempting to open an account under a promotion, but was denied that promotion because I was already on another account. However, paragraph 3 states that I was added to that account on XX/XX/XXXX, XXXX days later! In other words, they denied me the promotion because I was going to become a customer 46 days in the future. Im not sure if they are claiming clairvoyance or time travel! 


Other attempts to resolve the issue have resulted in similar nonsense. I talked to banker XXXX XXXX at the XXXX XXXX branch yesterday. He said he would not touch the account because there was no record of my signature on file. He said that creating an account without signatures would be grounds for terminationand he didnt want to become associated with it in any way that might risk his job. That seems to be the theme here. The bankers I have talked to all appear to be covering for each other because they know somebody will pay a price if they fix the problem. I believe that is why I have been unable to get my name off of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Premier Student Loan Center
State: GA
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:
Premier Student Loan Center contacted me about student loan consolidation. I was instructed after gathering my information that I was approved for a student loan forgiveness program and would only be responsible for a portion of what I owed. After receiving charges on my account from XXXX XXXX XXXX I started to question this and contacted the Department of Education. I was instructed that their is no charge for this process and that this was a scam. The representative told me that these companies claim to be making payments on my student loan when in fact my payment amount is XXXX. She also told me that the consolidation process was free. I am calling this company but no one will return my call. I have disputed this with my bank and have filed a police report with local police. My student loan has not been forgiven like they claim. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a list of accounts and amounts that are not mine at all, I would like them removed from my credit report because it is stopping me from refinancing my home XXXX XXXX Account XXXX {$1300.00} XXXX {$100.00} XXXX XXXX {$1600.00} XXXX {$390.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$300.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$1000.00} NOW THESE ACCOUNT BELOW BELONG TO ME BUT THEY ARE REPORTING I HAVE MISSED A PAYMNT AND I HAVE NEVER MISSED A PAYMNT XXXX XXXX XXXX/XXXX FOR THREE ACCOUNTS ALL SAYING I WAS LATE AND I WAS NEVER LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX/2007 ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: OH
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: CO
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:
The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This consumer complaint is primarily based on KIA Finance applying inappropriately for monthly payments on account XXXX. On or about XX/XX/2021, Complainant processed payment of the said account of {$4000.00}. At which time of the last date of payment Complainant account was two months in advance in the monthly vehicle payments. When the Complainant  made the payment of XXXX, this advanced payment carried the Complainant account $ XXXX {$330.00} = ~12 months in advanced payments. This meant Complainant 's next vehicle monthly payment was not due until XXXX. The Complainant requests that KIA Finance immediately rescind all notifications to the three major credit bureaus, return all late charges levy on said account due to KIA finance inappropriately payments, and place the said account in its proper status, updated. On XX/XX/2021, Complainant spoke with a representative ( XXXX ) from KIA Collection ( XXXX ) or the arrearage Department, informing him that he could not assistance the Complainant on his account problems.

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 2021-08-25
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: Was not notified of investigation status or results

Complaint:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE 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:
Filed a verbal and written dispute of remaining balance on file which was minute in the amount of {$230.00} company advised they were not attempting to collect on this amount as it was documented to be disputed with no payment due on the amount until resolved Then 13 days later they start calling seeking payment we go through it all over again this is during the Covid pandemic the rep transfers me to two different supervisors advised account was enrolled as additional precaution while being investigated into covid assistance in which the minimum payment was reset to {$0.00} due for two consecutive billing periods I also paid the account in full on XXXX XX/XX/2020 they still pursued those charges despite the ongoing dispute despite the covid clearly documented on file and confirmed several times then they reported adversely to CRAs for XXXX and XXXX 2020 For months it was showing past due months after it was paid causing irreparable financial harm Ive been a customer for years never once 30 days late not both the balance and minimum were the lowest in years and they refuse to take ownership of their violated agreements on multiple

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 2023-03-23
Company: EQUIFAX, 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:
It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: GA
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 SUBMITTED A REQUEST TO REMOVE BANKRUPTCY INFORMATION THAT IS INCORRECT ON MY CREDIT REPORT. I DID NOT FILE BANKRUPTCY, A LETTER WAS SENT SAYING THAT THE INFORMATION WAS VERIFIED BUT THERE WAS NO PROOF THAT THE INFORMATION HAD BEEN CHECKED AN VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX - XXXX is reporting on my credit for a debt I do not owe. I am unsure who XXXX XXXX is nor have I ever done business with them. This is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My unemployment account was locked for ten weeks its been released and cleared and BOA i is still rejecting my direct deposits its now been 5 days they are still rejecting deposits!!!! my districts legislators have emailed and called then still nothing also unemployment has also been in cl tact still nothing I need Myl money Ive also got bills backed up!!!!

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 2023-03-23
Company: EQUIFAX, INC.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have made numerous complaints against this company that claims we are in bankruptcy which we are not. All I want is a payment history for this year. I have only got things when I complain. They told us to see are lawer. We dont have one. No bankruptcy. This comyshould be closed down .we pay XXXX $ every month to them. This is our own information. 
Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Co XXXX Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 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 explanation
Consumer complaint received 2018-10-03
Company: AES/PHEAA
State: VA
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:
XXXX appears to be improperly handling or informing me about my re-certification for IDR. Basically, XXXX keeps sending me false messages about missing information on my re-certification for my federal paycheck and yet I gave them everything. These automated e-mails are becoming annoying and I want this fixed. I finally was able to reach out to XXXX ( XXXX ) on XX/XX/XXXX who finally straightened everything out after the fourth time calling. However, she still provided the canned responses that " we can't assume anything '' or " you were missing the frequency of your pay '' for a federal paycheck, something known to be always " BI-WEEKLY '' unless told otherwise. They can't even take the annual salary on the form and figure it out there either. The worst of it is rather than a super generic e-mail they send to everyone, they could have just called me and resolved this minor issue in 5 minutes. 

My previous calls to agents told me that I was good and that I had submitted everything properly in the last 6 weeks, and yet this was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: MO
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 2021-06-28
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since Experian requires one to use their XXXX system which I have set up many times, they keep sending me emails telling me they don't find any bill payments thru XXXX  and they will soon delete my account. When they aren't able to connect to your accounts thru XXXX, they decrease my XXXX XXXX which is terrible! I have spent hours on the phone with Experian trying to get them to fix the XXXX system to work with my accounts, but they tell me they don't know if they can fix it and don't know when that might happen anyway. In the meantime, my XXXX XXXX keeps going down due to their broken XXXX system. Experian is the only credit reporting company that has my XXXX XXXX under XXXX which really affects my credit rating. I want Experian to stop using XXXX as a means of calculating credit scores since it is so broken and can't be fixed!!! Can CFPB do anything about this problem? 

Here is the Subject line of my XX/XX/21 email from Experian : Re : XXXX, important : Your account through Experian Boost could be removed

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