BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-25
Company: ACS Education Services
State: TX
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 have had several student loans that I have paid on consistently for several years ( almost 15 years ) other than the two years I was in XXXX XXXX. I kept wondering why my balance wasn't going down. I originally started with XXXX XXXX XXXX, those loans were then bought or sold to ACS, which I paid for several years. I even have income tax returns that show interest paid and claimed for those years, yet on the federal loan services database, it does not list them as a lender ever on my loans. What happened to the money I paid to them during that time? I've even had loan forgiveness of {$5000.00}. Have qualified for grant money from the state for {$5000.00}. I still can not fathom how I still owe {$19000.00}. I even paid extra on my loans for a long time, until I realized that doing that hurt me when it came to loan forgiveness programs. Please help. When I called XXXX XXXX to try to figure out what was going on, they actually told me I needed to contact the ombudsman office of the XXXX XXXX XXXX  office. Please help, I am trying to figure out what happened to the money I paid to ACS. I have recently read several people that had similar problems with payments applied incorrectly. Now I've learned that the federal government cut ties with ACS and it was because of their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I XXXX XXXX received a letter from MRS on XX/XX/2020. The letter which will be attached show 2 violations of 15 USC 1692b. ( 5 ) and 15 USC 1692b. ( 2 ) which violated my rights as a consumer with the logo being present and also saying this was a attempt to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an account with XXXX XXXX and I authorized payment to be debited out of my checking account. The draft date was XX/XX/19, in the amount of {$600.00}. I just learned today that the check was not honored. When I check with my banking institution, XXXX/XXXX  they stated they would only pay transactions within a {$10.00} range if the debit card was used for the same account. When I reviewed my transactions I had {$590.00} available. I didn't receive any mail stating my account was about to go delinquent prior to the 30 days mark. I didn't receive an email that my account was delinquent. The creditor states they only made phone calls to my old number which continuously rings busy at XXXX. Previously when I had this number, the outgoing message had my voice and now it does not. My number was changed in XX/XX/2019. I was not given the opportunity to remedy an error on my part and the Creditor failed to use due diligence to use all methods to contact me. This is the second car that I purchased from Nissan so they know that I pay my car payment on time. This was out of the ordinary for a customer like myself not to respond to calls or not have a voice mail set up. In normal collections, a representative that is present and reviewing the account would notice this versus someone going through the motions and being robotic. I now have my credit report dinged because of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Bliksum, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I was contacted by LoanMe with an opportunity to defer my next payment due to XX/XX/XXXX. I signed the agreement, completed all requirements and received confirmation that the agreement was accepted. After reviewing my credit reports, I see that LoanMe is currently reporting the account as 90 days past due although LoanMe has not owned the loan since XX/XX/XXXX. LoanMe also reported to XXXX  that the account was past due in XX/XX/XXXX, which was not possible based on the attached signed agreement. Copies of the reporting to XXXX  are also attached. Over the two years that I consistently paid this account, I paid over {$2400.00} dollars into this {$2600.00} loan only to have the principal decrease by about {$100.00}. LoanMe no longer owns this loan, but the affects continue to haunt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was victim of a fraud in my housing search. 

It all began on XX/XX/XXXX when I saw a post on a XXXX group of an apartment. The announcing profile was XXXX XXXX and she sent some nice pictures of a property located in XXXX XXXX XXXX ( XXXX XXXX ), XXXX NY. Everything seemed organized and we agreed to a price for rent and deposit. I asked for some support documents that were sent and I finally transferred {$1400.00} on XX/XX/XXXX. Today the person asked for an additional transfer and it seemed suspicious to me so I asked for a property certificate which was sent but it looks like a fraud. 

This is the XXXX account I transferred money to : XXXX, via the Bank of America XXXX. 

I transferred the money and filed a complaint with Bank of America, but there answer was that the money had already been accepted by the recipient. The bank did not take any positive action to request XXXX to cancel the fraudulent 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 2021-08-18
Company: Financial Assistance Inc
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing a complaint with financial assistance in reference to a collection they are trying to collect for XXXX XXXX XXXX. I have already reported to them that this debt is a result of Identity theft and have been working with a fraud investigator names XXXX XXXX. I have sent in all of the documentation that was requested to resolve the fraud and get this account removed from my file, and to no avail have been able to get this matter resolved or even reveille a call back from them. 

I have attached all of the emails showing the prior complaint with CFPB which they lied and the emails with XXXX XXXX and I will show they mis lead me and the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a {$1500.00} ACH payment to Synchrony Bank ( Amazon Store Card ) on XXXX. This transaction cleared my bank XXXX. As of today, XXXX, the payment is not reflected in my available balance, affecting my utilization score. When I called, I was told it was " a security issue and my payment is on hold until XXXX. '' Large payments are always held the service agent said. This is outrageous. 1/3 of the month my score will reflect the higher balance/utilization. When I make four {$100.00} payments a week, it posts the next day!!!

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 2023-08-10
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for Chapter XXXX Bankruptcy in XX/XX/XXXX. At that time my Mortgage company ( Nationstar ) was considered a secured loan, which included escrow payments in my monthly fee. Those fees were {$1100.00}. I was in default of {$9800.00}, payments were included in the Trustee payment.I was informed in XX/XX/XXXX by my mortgage company that I needed to pay additional mortgage because the escrow increased. I later fell behind in my monthly mortgage payments and by XX/XX/XXXX i was in arrears of approx. {$15000.00}. Under a government program, Illinois Hardest Hit, in XXXX XXXX they paid my mortgage carrier {$18000.00}, my contribution to their forgivable loan was {$390.00} until XXXX XXXX. I then was responsible for the increased monthly mortgage of {$1400.00}. Last month I received a letter from Nationstar informing me that they failed to provide me with a yearly escrow analysis, since XX/XX/XXXX, because I am under bankruptcy, but because I requested an analysis, they completed one and there is a great shortage. I called them and told them I never requested an Escrow analysis but I thought I should have been informed yearly anyway. The mortgage payment then increased to {$1800.00}. I did not see any reflection of the paid defaulted mortgage.There is a carry over of an amount due of {$1600.00} on XX/XX/XXXX. How I do n't understand because Illinois Hardest Hit paid them a lump sum of my arrears. On the Escrow Analysis I received in XXXX XXXX, it does not list my current mortgage balance, yet it readily list projected charges XX/XX/XXXX as part of the reasons for such a huge increase. Nationstar never reported the mortgage default payment to my Bankruptcy Attorney or to my Chapter XXXX Trustee. When I brought this matter to the attention to my Bankruptcy Attorney, I was told they would look into the matter. I forwarded proof of mortgage default payments to my Bankruptcy Attorney, to no avail. I have had different attorneys because I was told some of them are no longer employed there. Nation star mortgage transfers me to one department after another without any resolution. They will not answer my question to date why they have n't noticed my bankruptcy Trustee about my mortgage being current. My bankruptcy is soon to be discharged in several months. I believe Nationstar Mortgage has intentionally mismanaged my escrow account. There was no reason for them not to provide me with an anual escrow disclosure, which would have notified me of any shortages in the escrow account.I have been very ill and now disabled.But I am now able to carefully read documents and follow-up on my account with mortgage provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Peterson Enterprises, Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Spoke with XXXX at Valley Empire Collections  in XXXX, WA ( XXXX ) on XX/XX/XXXX after finding account on credit report. She stated account is old utility bill from XXXX. They have never sent me a bill and state they are unable to send me anything regarding account as they are not insured to collect in Alaska. I informed them this bill was paid to original creditor, XXXX has no record of such. She was not able to provide any information to verify or validate debt owing. They state I owe balance of {$160.00} but refuse to send me documentation or original contract to verify and continue to report negatively to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my other 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 alleged fraud or extortion. 




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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 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
back in XXXX of 2022 i went to wells fargo branch in XXXX ca. to apply for a XXXX  loan cus my business was badly hurt from the pandemic i heard all companies that were affected could applied for financial help from the goverment, wells fargo employees denied me of financial help later on it came in the news that some of the employes applied and got XXXX  loans commiting fraud

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 2021-08-11
Company: EQUIFAX, INC.
State: AL
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 sent in a letter twice one in XX/XX/XXXX and again XX/XX/XXXX about an account that was inacurrate reporting on my consumer report and when I received the results XXXX  deleted the account but Equifax and XXXX  are still reporting this inaccurate account after several attempts I received no response. I sent in MY 3RD request XXXX ago providing proof that XXXX  removed the account and still to this day I have received nothing from Equifax or XXXX. I ask that you please help me as this is becoming a hinderance to my livelyhood. I'm trying to move and this is keeping me from doing so. I should not have to keep waiting another 60 days for this to be resolved. I sent these letters certified mail tracking # XXXX and XXXX so I know they received it so what is the problem? I need answers and not excuses please help me get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Credit Plus 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:
I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: EQUIFAX, INC.
State: KS
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:
As a victim of identity theft. 

On XX/XX/20 I sent a letter to Equifax stating that I was a victim of identity theft ( XXXXsigned copy _Identity Theft Letter to Credit Bureau_ Equifax_Fraud Victim Assistance ) The letter was sent Priority Mail Express 1 day, with a tracking # XXXX, and was in Equifax possession as of XX/XX/20. 

The letter explained to Equifax that I am a victim of identity theft, and that the accounts listed in my consumer report should be blocked pursuant to section 605B of FCRA. 

This letter also contained the following enclosures : Identity theft report, Police reports, Identity Theft affidavit, Victim Authorization to Law Enforcement, Proof of Identity, Copy of Credit Report, Fair Credit Report Act Section 605B, and lastly a copy of a certified Letter Sent to Equifax on XX/XX/20, as of XX/XX/20, Postal Tracking indicated it was not delivered. 

On XX/XX/20, I received a letter from, Equifax dated XX/XX/20 stating that they received my request concerning blocking of certain information on my Equifax credit file. 

Please be advised that Equifax, at this time and pursuant to section 605B ( c ) of FCRA, is not blocking the information subject to the submitted Identity Theft Report and/or Police report you provided as part of my dispute.

The letter goes on to state they are contacting the source directly and performing an investigation within 30 days.

Equifax is depriving my consumer rights by willfully failing to comply with the FCRA requirements to block the reporting of fraudulent information in my credit report, after they were presented with an identity theft report, in violation of 15 U.S.C 1681c-2.

As required by 15 U.S.C 1681c-2 ( a ) Equifax is required to block the reporting of any information in my my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Despite the FCRA 's requirement, Equifax has declined to block the reporting of fraudulent information by wrongfully rejecting my valid identity theft report and relying instead on the same verification procedures it uses for common disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief