BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts I found on my Credit Reports. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because because of their willful non-compliance of the dais FGCRA statute. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; must be updated to reflect accurate information on my Credit File.

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 2019-05-10
Company: Security Credit Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Security Credit Svcs recently reported a {$1400.00} collection account on my credit report. They are stating that the original creditor is a company called XXXX XXXX. I have never heard of this company, much less had an account with them. Needless to say, I have made Security Credit Svcs aware of this, but they refuse to take it off of my report. When I last spoke with their reps, they said I should dispute the account with XXXX, XXXX, and XXXX XXXX. They said that if the account was not mine, it would be deleted. Well, I did that ; and the account is still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: MiraMed Revenue Group LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Miramed Revenue Group alleges it has an account pertaining to XXXX XXXX in their possession. Attached is the billing statement from that provider office. All dates of service were covered by insurance, however, the insurance company indicated that the provider coded improperly/different for the service date of XX/XX/2017. A co-payment was made as required by XXXX XXXX. Again, neither XXXX or the provider office submitted bills to the insurance company regarding XXXX. It can be ascertained that an adjustment was made to one bill by XXXX but not the other and neither were insurance adjustments. Therefore, these bills have been sent back to XXXX as well. Both the providers office as well as XXXX was addressed prior to this and no changes were made as of this date. However, I paid for insurance, therefore the insurance will be the primary payment and as already stated, I will be responsible for co-payments. Both dates of service provided the same care and XXXX, so there should not be any significant balances between the two dates of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
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 am requesting for a removal of old addresses on my and unknown addresses that appear on my credit report. I am a victim of Identity theft. My SS Number was comprised around XXXX. I am unaware of these following inquiries the are not authorized. XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , The companies above never had permisson to run my credit report. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2018-03-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have spoken to Navient Student loans about my upcoming payment increasing. I am trying to get ahead of the issue and get the opportunity to stay in good standing with Navient on my student loans. They are telling me that there is nothing they can do to lower my loans, so, it ' like setting me up to fail and go into default. There should be some kind of program that they offer ( since they blame every decision they make on the Department of Education ) to allow a student an opportunity to pay less, even it's for a dated time. I am going through a hardship and if I am forced to make a higher payment that puts my housing in jeoparady, transportation in jeopardy, and then my job. I am not asking not to pay, I'm just asking for my loan payment to stay the same for a little longer until maybe I come up for a raise next year. Or something that could assist me to be able to increase my payment some. They make it difficult for students to NOT default. They don't really care if they survive or not, but, in order for a person to be able to stay in good standing, as myself, we also have to survive. Why is it necessary to have such strigient guidelines, it helps no one if the person goes into default. So, I am asking for a review of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I signed a document as the CO-SIGNER for a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. The borrower was denied credit. The dealer then put me as the principal borrower without notice. I received 7 credit denial before one credit company approved the loan and put me as the only borrower on the loan. 
I never received any documents from either the dealer or the lending company. 3 weeks ago, I sent them both a letter by certified mail requesting copies of the contracts for this transaction. 
All I received is a phone call from the general manager at the dealership saying that I did n't have to worry that it is normal in this situation that I became the principal borrower. I called the lending company asking for copies of that loan contract and they too said that they will send it to me and never did. 
I believe that FRAUD as been committed to make the sale no matter what. I never intended to be the principal borrower to purchase this vehicle and the dealer by refusing to give me copies of the contract for me to review where my signature appears and what THEY made it look like they had my approval to change the status of co-signer.

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 2017-11-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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 cash advances

Complaint:
I went to the atm machine at citizens bank at XXXX XXXX XXXX, XXXX, pa XXXX to get money from my XXXX XXXX XXXX credit card. I did this on XX/XX/XXXX at XXXX and the machine said " action selected is not available at this time. please retry '' so at XXXX I retried to get the money and the atm said " amount entered exceeds the available balance. Please try lesser amount ''. at XXXX on XX/XX/XXXX I called XXXX XXXX XXXX and I was told that the {$23.00} I asked for was issued to citizens bank the first time and they were unable issue another {$23.00} a second time. so on XX/XX/XXXX I saw the bank manager ( XXXX XXXX ) about the atm did not give me my {$20.00} and did claim {$23.00} on my credit card. he said it was not his problem because he is not in charge of the atm. he said I was going to have to try to get it back myself. so on XX/XX/XXXX I called citizens bank and talked to a XXXX XXXX and she said there was nothing she could do. I talked to XXXX XXXX XXXX on XX/XX/XXXX and filed a complaint and they thought citizens would not ask for the money. on XX/XX/XXXX I wrote a complaint letter to XXXX XXXX XXXX , ceo of citizens bank usa in XXXX, ri XXXX and have not heard anything from the bank. XX/XX/XXXX XXXX XXXX XXXX called me and told me that citizens bank demanded the money. XXXX XXXX called citizens to try to get the money back. they talked to XXXX XXXX and she took down a formal complaint from me and XXXX XXXX XXXX on XX/XX/XXXX. so far I have not heard from the citizens bank about my {$23.00}. I tried talking to someone on XX/XX/XXXX and after making 3 phone calls to citizens and being bounced around 6 times I decided to write to you. 

I feel they stole my money because they were told before they took the money that I never got it in the first place. they put it in their accounts and not mine despite me trying to get it from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
To limit the sharing of my information, Equifax suggests there is a way to do it online, but, if there is, it is not accessible via the directions provided in the privacy notice. 

Upon signing up for a free account, I wanted to limit the sharing of my personal information as much as possible. They provide a pdf called " Consumer Privacy Notice '' that provides two options to limit sharing, an online portal or a phone number. The link offered in the consumer privacy notice does not exist, and so I can not use that path to limit the sharing of my information. The relevant text from the pdf is below : Visit us online : https : //help.equifax.com/s/contactsupport and select Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2018 my car was totaled out I purchase XXXX XXXX gap insurance with my vehicle loan which should have taken care of the remaining balance for my vehicle total loss after the car insurance paid their portion. However XXXX XXXX Gap left a remaining balance on my account which left me past due for two months eventually I paid the balance which resulted in me having to late payments on my credit report I was under the impression that XXXX XXXX gap insurance will pay the full remaining balance of my loan but they did not. How can I get this resolved or can I take legal action?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: Palm Beach Credit Adjustors, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called Focus Financial today because there were five collections on my credit report from them. I never received any written notification before it was put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: SoFi Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out to SoFi Mortgage for a potential refi ( conventional ) in effort to reduce my interest rate. After a credit pull, verification of assets, and property review I was quoted a conservative '' number of {$4100.00} to close ( with an expectation of everything settling around {$3700.00} ) to which I agreed. I paid the {$520.00} for the appraisal ( house appraised as expected ) and we moved forward. After underwriting, the funds to close jumped to {$9300.00} ( well over double ). I would have never paid the appraisal fee or moved forward had that number been disclosed to me from the start. The sales manager told me that it was " normal '' for numbers to flex but I have never seen the mark missed this badly in any mortgage I have ever had. I asked for a refund of the appraisal fee because of the extremely poor calculations on the part of SoFi but was informed that a refund of appraisal fee was not an option. Under normal circumstances, I would not ask for nor expect a refund of the appraisal fee ( not my first rodeo ) as that is sunk cost and part of business, but when there is an error of numbers to this magnitude, I feel a refund request is justified and not out of the realm of warranted. In the end, I feel that I was baited in and offered something that the mortgage broker could not deliver.

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 2021-11-04
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am writing this complaint because I am a loyal costumer of Wells Fargo and have been for years. I recently feel very strongly that Wells Fargo is mismanaging my account and stealing from me for there own benefit. On XX/XX/2021 Wells Fargo charged my account with a reversal " payback '' credit in the amount {$600.00} and then again for {$370.00}. This situation then brought my account to the negative balance of - {$840.00}. I opened up my account and to my surprise there was NO funds available. I reached out to Wells Fargo immediately I was told by a teller and a financial analyst by the name of XXXX XXXX that on XX/XX/XXXX the money I am seeing come from my account is a reversal of a temporary loan I received each time I received a government stimulus check. My problem is, had I receive proper notification of when this money was to be paid back I would've had adequate funds present in the account. We all have technology whereas we can see if emails were opened and/or received. Wells Fargo can see ALL activity happening in my account before I do. Their computers are far more advanced then their mobile app. I was Never aware these funds would come out of my account on said date, Wells Fargo should have PROPERLY notified me via text, and /or phone or email. This has really cause me financial hardship. I requested a freeze of all withdrawals on my account to be stopped, which I was told there is no possible way. I've attached documents proving how negatively this has effected my daily life. I have received numerous emails from Wells Fargo in the past about unpaid debts, overdraft fees and even promotions, I strongly believe I personally did not receive a date emailed to me about this reversal fee because their intentions were to steal from my account for their own gain.

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 2019-10-04
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've have file a complaint once before about American Education Services aggressive collection practices. Per the recommended resolution of my 1st complaint, i enrolled into their direct debit program. I stopped the scheduled direct debit from happening on XX/XX/XXXX using AES online website. On Thursday XX/XX/XXXX @ XXXX CST, I called to ensure that my direct debit was in fact cancelled for the XXXX of XXXX and the payment moved to the XXXX. The agent i spoke with on XX/XX/XXXX informed me " the payment I submitted to be debited from my account on XXXX was already in process, in fact it was already sent to my bank for withdrawal. '' On the morning of XX/XX/XXXX, i received an email saying that my account was more than 8 days past due?? When i called American education services, i was informed that my payment was cancelled with no notes on when, who, or why it was cancelled. Nor was i sent ANY correspondence telling me it was cancelled. I repeatedly asked the 2 agents i talked to today ( XX/XX/XXXX ) to pull the call record from Thursday XX/XX/XXXX @ XXXX. The agents did and said nothing, only that they had no information the cancellation of my payments BUT they have already repeatedly contacted my cosigner ( and not me the borrower whos making all payments and whos contact info is listed ) multiple times again using aggressive tactics, mis information and not giving any type of accurate information. I was also hung up on by someone in the complaint department after providing my bank account information to pay the " past due bill ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: AES/PHEAA
State: AL
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:
I applied for Public Service Loan Forgiveness. The form states that you will be notified on how many qualifying payments you have. The purpose of the program is to help to relieve debt of student loans. I originally made my payments to XXXX XXXX services. I had not received any information from XXXX XXXX   Loans so at the beginning of XXXX I went to make my payment to XXXX XXXX XXXX. XXXX XXXX no longer had my information because my loans had been moved over to XXXX XXXX Loans. I created an account for XXXX XXXX Loans and they did not have any of my loans posted. I made a call to XXXX XXXX   Loans on XX/XX/XXXX and the person on the phone stated to me that I would need to make a payment in XXXX that the loans would not be transferred in time to make a XXXX payment. At this point I still had not received any information from XXXX XXXX Loans. My loans were originally due on the XXXX and XXXX of each month with the total of the loans being {$620.00}. I log into XXXX XXXX  Loans this week and it is showing my loans as delinquent and my payment being $ XXXX dollars. I called them again to try to find out what was going on with the loan and why I was told that XXXX would not be due, yet now I am showing as delinquent and they have raised my payment amount without informing me. They said they would do an administrative forbearance and set it up for it to be due in XXXX but the interest would still accrue and that my payment would be more. I explained to them that the whole purpose of me applying for public service loan forgiveness was to owe less not more and that I certainly couldn't afford a higher payment. I said that I was never informed of qualifying or not qualifying for the program that they simply moved my account without informing me of a rise in payment. They went on to tell me that none of the payments I have been making were qualifying payments and that they would have to set me up on a higher payment. I said, " Had anyone told me that was how the program worked I would have simply stayed with the payment plan I already had. '' Additionally, they have not corrected the payment to be made in XXXX so my account is still showing as delinquent. I brought this to their attention today with a phone call and they said they did not have any record of the administrative forbearance at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There is someone using a secrete private surveillance camera in XXXX county Georgia or some kind of crooked law officer correctional officers watching while I'm at my atm an has someone with the same card I have an used my debit card information an took XXXX dollars off my debit card the first time XXXX dollars an XXXX dollars the date XX/XX/XXXX between 6 or 7 early mourning in XXXX county georgia

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 2019-10-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 I received an email from BMO Harris Bank inviting me to open a Statement Savings account and offering me a {$50.00} cash bonus after qualifying transactions. The email stated : Get a {$50.00} cash bonus. Well reward you with a {$50.00} cash bonus1. Heres how : 1.Between now and XX/XX/2019, open a Statement Savings account with a minimum of {$1000.00} in new money 2.  Maintain at least {$1000.00} in the account for 120 days, and you'll receive a {$50.00} bonus. On XX/XX/XXXX I applied for such account using the promo code XXXX that was sent on the invitation email. Later the same day I received a confirmation email informing me that my account had been opened and that the {$1000.00} opening deposit from my external bank has been completed. The deposit posted on XX/XX/XXXX, I waited 120 days as the terms of the promotion stated but my {$50.00} bonus never was credited to my account so contacted BMO Harris Bank on XX/XX/XXXX through their websites secure message and the next day rep. XXXX replied my message and confirmed that I had met the requirements, however he said that he needed to escalate the bonus inquire but first I needed to call customer service and provide an statement of my external account I wasnt sure what he meant by escalate the bonus inquire so I replied back saying that that providing an statement of my external account was not mention anywhere on the terms and conditions of the promo but never received a reply. This is really frustrating because they lure you into opening accounts offering bonuses and then give you the run around when is time to pay, even though I meet the requirements.

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 monetary relief