BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: AES/PHEAA
State: TX
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:
MY STUDENT LOANS ARE WITH XXXX XXXX XXXX.  IN XX/XX/XXXX, I STARTED WORKING FOR THE XXXX XXXX XXXX.  MY COWORKER TOLD ME ABOUT THE STUDENT LOAN FORGIVENESS FOR CIVIL SERVANTS WHO MAKE 120 PAYMENTS WHILE A CIVIL SERVANT.  I ASKED HER IF SHE CALLED ABOUT IT TO VERIFY, SHE SAID THAT SHE HAD NOT.  THAT DAY, I CALLED MY BORROWER TO ASK ABOUT THE PROGRAM.  THEY ASKED WHERE I WORKED, I TOLD THEM AND THEY SAID THAT YES, AFTER TWN YEARS OF PAYMENTS, OR 120 PAYMENTS WHILE EMPLOYED WITH THE AGENCY, I WOULD QUALIFY FOR STUDENT LOAN FORGIVENESS.  AWESOME.  THEN IN XX/XX/XXXX, I CALLED AGAIN TO INQUIRE IF GOING ON XXXX LEAVE WOULD AFFECT THE PROGRAM ELLIGIBILITY.  THEY SAID THAT WHILE, NO, IT WOULD NOT, I DID NOT QUALIFY SINCE MY LOANS WERE NOT CONSOLODATED A CERTAIN WAY.  I WAS SO UPSET.  I ASKED ABOUT CONSOLODATION.  THE LENDER TOLD ME THAT I NEEDED TO GO ON A PAYMENT PLAN THAT WOULD TAKE MY STUDENT LOAN PAYMENTS FROM $300 (SOMEWHERE IN THAT NEIGHBORHOOD) TO NEARLY $900!  I AM A XXXX XXXX, MY HUSBAND IS MILITARY.  WE COULD NOT AFFORD THAT.  ESPECIALLY AFTER HAVING JUST HAD A NEW XXXX AND HAVING TO DEAL WITH ALL THE COSTS ASSOCIATED WITH THAT.  HEARTBROKEN, I ACCEPTED WHAT THE LOAN OFFICER SAID AND HUNG UP THE PHONE.  THEN I DECIDED TO CALL AGAIN IN XX/XX/XXXX, THAT LOAN OFFICER HAD ME COMPLETE THE OMB NO XXXX OR THE PUBLIC SERVICE LOAN FORGIVENESS EMPLOYMENT CERTIFICATION FORM.  I SENT IT IN WITH MY WAGE VERIFICATION AND CONSOLODATED MY LOANS UNDER AN INCOME DRIVEN PLAN.  FOR SOME REASON, THIS LOAN OFFICER SAID MY PAYMENT PLAN WOULD BE ONLY $XXXX, HALF WHAT WAS QUATED TO ME TWO YEARS PREVIOUSLY.  THAT WE COULD AFFORD.  SO I SUBMITTED EVERYTHING AND MY PAYMENTS WENT UP.  I JUST CALLED AGAIN IN XX/XX/XXXX AND FOUND OUT THAT I AM STILL NOT ON THE PROGRAM.  THE LOAN OFFICER INFORMED ME THAT I NEED TO RECERTIFY MY EMPLOYMENT (WHICH I WILL DO) BUT MENTIONED I NEED TO BE DOING THIS EVERY YEAR.  NOBODY MENTIONED THIS TO ME AT ANY TIME NOR HAVE I RECEIVED ANY MAILER TO THAT EFFECT.  I WORK FOR A XXXX XXXX, WE "RECERTIFY FOR BENEFITS" EVERY DAY.  WE SEND NOTICES, WE SEND THE FORMS, WE SUSPEND IF WE DO NOT HEAR BACK.  THIS XXXX WILL MAKE 8 YEARS OF XXXX XXXX, 8 YEARS THAT SHOULD HAVE QUALIFIED FOR STUDENT LOAN FORGIVENESS.  I HAVE NEVER BEEN LATE, I HAVE ALWAYS PAID ON TIME.  I WANT THOSE YEARS, AND THOSE PAYMENTS TO MATTER.  I DON'T WANT SPECIAL TREATMENT, I ONLY WANT WHAT I AM ENTITLED TO UNDER THE LAW.  PLEASE ASSIST IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: MI
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 am a natural person and consumer. EXPERIAN has violated my federally protected consumer rights. I am writing the on my own behalf. I have suffered several damages due to EXPERIAN violating my federally protected consumer rights.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: MA
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:
I have a XXXX XXXX XXXX Bank account that is supposed to be helping my credit as it is a secured credit card instead it is hurting my credit. The account # for this XXXX there is a late payment on XX/XX/2020 that is marked for 30 days late however, I have never missed this payment and this is a secured credit card as in my own funds. I need this error fixed asap with the 3 credit bureaus and as my only card this severely hurts my car as it is not allowing me to be able to go for rental applications.

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 2018-01-26
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Network Capital is calling me daily from different numbers. These are unsolicited and unwarranted calls. They do not leave a message. They do not stop calling even after told to stop calling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-09-23
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been contacting my mortgage company regarding my XX/XX/XXXX property taxes back since XX/XX/XXXX. Every time I call they tell me the issue has been escalated and that they will take care of it right away. As of today XX/XX/XXXX my XX/XX/XXXX property taxes have not been payed. I keep receiving calls from the Tax Assessors Office notifying me of this issue and I need help. 
They can not provide me with answers as to why my taxes have not been payed if I have not been delinquent on my mortgage payment ever.

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 2019-01-03
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX has been overcharging Im imterest and allocating fees without my consent when directed to go toward pricinpal reduction not fees. During the months of XX/XX/2017 the applied 8 payments of $ XXXXtowards outstanding fees when directed toward principal reduction and another month did {$130.00} towards fees that should have been a principal reduction this has created more interest to be paid on the loan. When I called to discuss the matter with them the representative was extremely rude and stated your XXXX XXXX wont get you anything or further with me. This was not accepts Le behavior. Santander ( parent company of XXXX XXXX  ) is one of the largest subprime auto lenders who could be charging this to many clients creating {$1000.00} of unlawfully charged interest. My interest rate is low however other clients, XXXX have higher and not be as informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a XXXX account years ago that had 3 different telephone lines on it, I ported 2 lines to XXXX and asked the 3rd line transferred to my sister as a separate account which had her own information tied to it. As far as I knew it was her account and her responsibility. She paid her bill on time and I never received any bill or information about her account. I returned to XXXX about a year later and re-ported the numbers to a new account, which I currently use daily. I lost contact with my sister for a few years, but was made aware that she was evicted from her prior home. During this time I applied for credit and found out that she defaulted on her XXXX account and it showed up on my credit report. I was not made aware of this prior. My best guess is perhaps something was mailed to her prior address with my name, though I've never lived with her. The XXXX debt collector, Southwest Credit Systems , has not made an attempt to reach out that I am aware of or I would let them know it was not my debt. I am a current customer of XXXX and was when she apparently went into default, so I am unsure why accommodation was not made or any request to merge accounts was done if it was still under my social security number, which I asked that it not be. This is having a detrimental effect on my credit for such a low amount. I would like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lived in XXXX XXXX for 2 years. I left there inXX/XX/2018 when my lease was up. I had {$0.00} balance when I left. I recieved no letters or phone calls from them since I left. I recieved 0 notifications a debt was going into collections. I never recieved anything that said I could dispute a debt. I only found out through my XXXX XXXX account and did research on my own thereafter. I would like to get to the bottom of this and come up with a solution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: EQUIFAX, INC.
State: NY
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 XXXX inquiries on my credit report and have no idea where they came from???!!! I want them removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed the following collection accounts below directly with Equifax twice and with XXXX XXXX XXXX. All three times, my disputes were ignored and a proper investigation was not complete. This leads me to believe the accounts are not mine. I even submitted this same dispute to XXXX and the accounts were deleted no problem and attached a copy of them being deleted from XXXX as proof. I also included my dispute letters to Equifax and to XXXX. 

XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company popped up on my credit report last year, I had never heard of the company before and did not sign a contract to pay them. There was no initial contact from company about me owing the debt so I couldn't dispute it prior to going on my credit report and now they have have put themselves there they also call me 10+ Times a day by different numbers. I requested validation by mail and all I received were statements and something saying the debt was " sold '' to them. This is not validation of a debt and they should not have put themselves on my credit report without giving me a chance to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought a car in XX/XX/XXXX. Due to my credit being poor, the only company that would finance me was XXXX XXXX. This experience has been nothing short of a nightmare. Since I bought the car, my life has been a wild roller coaster. I got laid off from my job, was unemployed for several months, got a new job, then was laid off from it 3 months later, on top of being unemployed I also lost everything except the car in Hurricane Harvey. I ended up landing a new job just after the hurricane and am slowly getting life back to normal, however, prestige does n't care about any of it. They are only about their bottom line and have zero compassion for those going through hardships. The day after payment is due, they start harassing me with calls, emails and texts. Last Friday, XX/XX/XXXX I received 3 emails from 2 different people. Today I received a rude email from XXXX XXXX stating that I am {$1300.00} behind on my loan, however my account on their website shows I am only {$450.00} behind. One of the emails he sent on XX/XX/XXXX stated that I am {$750.00} behind. Apparently they have no idea what I actually owe and their data does not match the data on their own website. I am growing extremely frustrated with this company and their rude, harassing collection tactics. I have asked XXXX as well as well as several other of Prestige 's employees to stop harassing me about the balance. I am aware I am behind and am doing everything I can to get caught up. Yet they continually call, text and email daily. Someone needs to step in and do something about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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:
his is a followup from complaint # XXXX. The issue was never fixed. Both banks keep saying the other bank was refunded the money. However they still haven't corrected the issue. I try almost weekly to contact them and fix the issue. They keep pointing fingers. I'm constantly bothered by creditors about this issue. My CREDIT is ruined. I should not be involved at all! I never got any money and they are the ones that have it. Here 's what the original complaint stated. 

The consumer filed a Balance transfer online with XXXX cards. The amount was for {$7700.00} to be transferred to the consumer 's Citizens Bank account. However, the consumer accidentally gave them the wrong account number. The consumer had two accounts and that one was closed. Citizens then sent back the funds to XXXX through a check in the mail on XXXX XXXX. The check was cashed/deposited on XXXX XXXXXXXX XXXX. The consumer has a copy of this check from Citizens. XXXX says they never cashed it but Citizens Bank says they did. Almost one year later and the consumer can't get it fixed. XXXX has been sending the consumer bills and has ruined the consumer 's credit score. The consumer never received any funds from them but still they request payment. This includes a balance transfer fee of {$230.00} for a Total of {$7900.00} in complait # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: GA
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:
On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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. 

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, has violated my rights.

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 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 2019-07-30
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: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting incorrectly to Equifax and XXXX a collection in the amount of {$130000.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I have tried numerous times to obtain from XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of this collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a debt validation letter approximately 30 days prior to receiving a response via USPS from XXXX XXXX. 

They claim I owe a debt to XXXX for {$470.00} In response to my debt validation letter, they responded with a copy of a past due bill from XXXX. 

This information is incorrect. I waited until my time period has expired for the early termination fee and confirmed this with XXXX. In addition, all bills were paid and nothing was due. 

This was removed from my credit report before when a different company was reporting it and now it 's coming back around again when it 's invalid.

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 2017-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
IN THE PAST 3 MONTHS I HAVE PAID ALL MY CREDIT AS WELL MY XXXX COLLECTION > I BELIEVE THAT MY SCORE IS NOT REPORTING PROPER > WITH ALL DEBT PAID OFF ONLY OWEING AUTO AND SMALL PERSONAL LOAN > NO RC. MY SCORE SHOULD BE EASY IN THE XXXX RANGE AND NOT THE MID XXXX XXXX. FICO NEEDS TO RELOOK AT MY CR AND SEE WHY IS STILL THE SAME AFTER PAYING ALL MY DEBT OFF.

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