BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: AES/PHEAA
State: PA
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:
I had been struggling for years to pay my bills let alone pay on my student loans. I was threatened by PHEAA, in XXXX, PA that I needed to contact them to make arrangements or they would start garnishing my wages. They also added some kind of collection fee. The original amount I owed them was around {$33000.00}. Now with their crazy fees they say I owe {$85000.00}? This is like owing money to a loan shark. I called them in XX/XX/2019 and entered into an income based repayment agreement for {$140.00} a month. They said my provider would be a company by the name of XXXX XXXX. To this day I have never heard from them. I called in XXXX to PHEAA and a rude male asked why I was calling him. I said to make a payment. He said he would take it this time but I need to go thru XXXX XXXX. I told him I never heard from them. He said not his problem that I needed to find them. In XXXX, I was on short term XXXX from my employer and was incapacitated for 5 months with no one to handle my affairs. I'm glad just to be alive at this point in time. PHEAA never notified me of anything and started garnishing my wages. When I became able to return to work I realized what was going on with the garnishment, which is against the code of ethics at the bank I work for. My employer told me to take care of it. I called PHEAA in early XXXX and spoke to a XXXX, who said I couldn't reinstate the original agreement to repay. Didn't care at all that I experienced a very serious medical condition. I think this is unfair and not my fault I fell ill. I asked for his manager to call me and never received a return call. I then called exactly 1 week after and spoke to a XXXX. Said again I can't go back to the original agreement and said basically being sick or incapacitated is no excuse. They said I could pay {$250.00} a month for 3 month then would have to apply for a consolidation loan. That's the best he could do. If I could give back my degree, which had done nothing to make me more successful in life. Only to put me in this problematic situation with PHEAA I would do it in a heartbeat. I just want to be treated fairly and most importantly like a human being

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: EQUIFAX, INC.
State: FL
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 submitted numerous complaints to XXXX to no avail to advise I have been a victim of identity theft and the following accounts do not belong to me. they refuse to investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Still waiting on my title from Hyundai. I've faxed and mailed the IL 556 form several times and haven't received anymore info in regards to sending me my title. I've done everything that I'm supposed to do and still have nothing.

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 2018-02-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Iqdata international has illegally charged me interest on a debt associated with a apartment bill, they have been reporting wrongful amounts to credit report charging me false interrdt charges that are completely illegal and are violating the credit report act. I have submitted a complaint to the bbb and they will not respond. Call the them and told Iq data they are breaking the law. Others are being forced to pay these false rates or they will not have a clean report. This is bullydog tactics, consumers are being blackmailed by this company. I have contacted the debt owner XXXX XXXX and they will only go through iqdata international, I have told them exelactly what iq data is doing and they refuse to contact them about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
" NEW ISSUE '' PRA pulled a Hard inquiry on my credit report on XXXX XXXX without authorization or permission from me this is illegal. Now it showing the removal of the inquiry ( This inquiry could stay on your report untilXX/XX/XXXX. ) has to stay on my report for 2 years.I need this inquiry remove immediately. Cease all pulling of my credit reports. Anymore violations I will be seeking remedy in Third District Court here in XXXX XXXX XXXX Utah.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to sign a complaint against XXXX  phone company. XXXX has reported on XX/XX/2020 that I owe the company {$1900.00} and that is not true I do not know who ordered this phone I have reached out to XXXX XXXX  & ERA Collection agency and they have made it clear that this problem is in collections now and need to be paid in full I have tried to explain that I have never Used this service before and I would like a full investigation if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company previously DELETED their item from my credit report when I disputed it in XXXX. They recently began re-reporting it to XXXX in XX/XX/XXXX. This is likely the result of identity theft. They knew and are still attempting to collect debts not owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Navient Solutions, LLC.
State: NY
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 an " Auto-Pay '' schedule on my NAVIENT serviced Federal Student Loan ( FFELP ) for each month in the amount of approximately {$120.00} since XXXX. I have not touched this Auto-Pay schedule or amount and have allowed the monthly payment to debit from my bank account. 

Without my knowledge or consent, NAVIENT changed the Auto-Debit amount in XX/XX/XXXX to {$58.00}, thereby hitting less of the principal and extending the life of the payments of the loan. By doing this, NAVIENT enabled more profit onto themselves at my detriment. 

The only way I found out this happened is that I reviewed my bank account and wondered why the amount paid to NAVIENT was lower than usual. 

NAVIENT also makes its website very difficult to change the auto-pay schedule back to its original amount and one has to navigate through new prompts and de-activate the current auto-pay schedule and re-enter bank account information to re-enable a new auto-pay amount. By doing this, NAVIENT is encouraging borrowers to not increase their auto-pay scheduled amounts. As a measure to protect myself, I added a few extra payments into my loan ( in addition to the Auto-Pay ) because I could not figure out how to change the Auto-Pay amounts easily. 

I find this practice from NAVIENT to be deceptive and manipulative, and I am saddened at all the other loans they have reduced auto-pay amounts and borrowers who have not yet noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX {$100.00} charge .... XX/XX/XXXX charge provisional credit reversal {$100.00} ... .. XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$120.00} charge.. XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$100.00} charge provisional credit reversal ... XX/XX/XXXX charge provisional credit reversal {$100.00} ... XX/XX/XXXX {$100.00} provisional credit reversal. 
And theirs is more charges but this is as far I could go on my credit card website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: EQUIFAX, INC.
State: UT
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:
" NEW ISSUE '' XXXX pulled a Hard inquiry on my credit report on XX/XX/XXXX without authorization or permission from me this is illegal. Now it showing the removal of the inquiry ( This inquiry could stay on your report untilXX/XX/XXXX. ) has to stay on my report for 2 years.I need this inquiry remove immediately. Cease all pulling of my credit reports. Anymore violations I will be seeking remedy in XXXX   District Court here in XXXX XXXX XXXX Utah.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: MRS BPO, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a settlement agreement with the company and paid the agreed amount. Several weeks after paying final installment i filed a dispute. They are saying that it's accurate. I have a copy of settlement agreement as well as my bank bill pay showing payments and dates. 3 payments to equal {$560.00}. 
2 payments at XXXX and 1 at XXXX to reach the settlement amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: MI
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 i sent letters to Equifax, XXXX, XXXX  stating pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After I got a new phone number I started getting calls about some past due account. I looked up the phone number and it was for Navy Federal Credit Union. I called them and told them I've never had an account with them and they confirmed it but they continuously call my phone number about it. When I answered today someone hung up on me. When I called back the lady said she couldn't find any record of me in the system but gave me the run around and wouldn't connect me to someone from the debt collections department. She pretty much told me she's sorry but she can't help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a letter from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The letter offers me a settlement opportunity. I have searched through my records and it appears to me that this debt was bought from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. This account was paid in full in XXXX XXXX. I am perplexed as to why XXXX has this when it was paid. My distress at the moment is that it is a negative item on my credit record and I have tried to explain to the company and the credit bureau that this is a mistake and I want it removed from my credit record but I have not gotten any cooperation. 
The statute of limitations on debts is XXXX years in Texas. This should not be on my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
" NEW ISSUE '' Trans Union and XXXX are both breaking the law! XXXX has police report documentation which specifically states my identity and my accounts were fraudulently used. They have specifically violated the Fair Credit Billing Act and Truth in lending Act. They are NOT supposed to report fraudulent balances under these laws. Their fraud investigation failed to contact Detective XXXX XXXX as my credit cards were fraudulent used. I DID NOT authorize or give someone else permission to use any of my cards my life was threatened and a crime was committed against me. The police reports overrides their investigation and the FCBA and TILA are federal laws that both Trans Union and XXXX are both exploiting and ignoring the law. So I am continuously filing complaints against both with the CFPB. Continuously reporting this XXXX account on my credit reports is a willful and direct violation under the FCRA section 623 and FCBA and the TILA acts.

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 2019-01-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 XXXX in the XXXX, I called my mortgage company, Carrington Mortgage and made an escrow information request which was denied. 
I spoke to XXXX who denied the request and then to her boss, XXXX, who also denied it. Saying there was a " moratorium '' on escrow amount requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: BB&T CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX/XXXX/XXXX I closed my business checking account with BBT account. I drove to XXXX XXXX. I received XXXX after it was closed in cash year checks. I now i had more money in the account then what was givn to me. i asked about my money. as was told if any other money come into my account it will be sent back. Will as of XXXX XXXX I received a letter from BBT BANK stating my account XXXX is over drawn XXXX please add money tomyour account to bring it current. I now who did it I can prove it was not me. I also told that the my money add up too XXXX or better. My name was used to open other banks that I did n't opened. This money was my business start-up loans that I got approve for. i was told the account had checks that was written out of. And was written fom XXXX XXXX. I was also told, it is more than one person 's that is involved. I did not do this, it has affected my company, I cant afford my companys operation expense bills payroll, and my life. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Experian Information Solutions Inc.
State: UT
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:
" New Issue '' Experian is NOT sending the police reports to XXXX in their investigation. There is a XXXX account that should been DELETED due to it being closed due to a fraudulent balance being reported. Yet it continues to remain on my credit report. XXXX XXXX is violating the law by not abiding the police reports. Violating the law under the Fair Credit Billing Act and Truth in Lending Act. Experian is now in violation by not removing this 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 2020-12-18
Company: Atlanticus Services Corporation
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: Account information incorrect

Complaint:
The Fortiva credit card was paid off in XX/XX/XXXX and reported lost in XX/XX/XXXX. 
I completed an affidavit in XX/XX/XXXX on the lost card and submitted it to Fortiva. 
I have not received a response since. 
In XX/XX/XXXX, Fortiva is tracking an {$800.00} balance on the lost card. 
Fortiva asked for another affidavit, this time to dispute the charges on the account. 
Fortiva has been reporting late payments to my credit report on the lost card since XX/XX/XXXX. 
I documented the entire history in a dispute in XX/XX/XXXX again. 
I have heard no response upon receipt nor the next steps in the dispute process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Experian Information Solutions Inc.
State: AZ
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:
Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my XXXX when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my XXXX report because of the mix up. XXXX gives an error code and is not reporting accurate accounts on my credit.

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 2017-11-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX, XXXX, I opened a Revolving Line of Credit with XXXX XXXX XXXX XXXX HFC under the umbrella of HSBC. Much to my dismay I recently discovered HFC sold a loan ending in XXXX to XXXX by way of fraud. The loan agreement bearing my signature ended in XXXX ; the loan HFC sold to XXXX ended in XXXX. When HFC sold this loan to XXXX, HFC provided the agreement signed by me for the loan ending in XXXX, as validation for financial responsibility for the loan ending in XXXX, which is illegal. Thus, I made contact with HSBC and spoke with two different Management employees ; one XXXX XXXX, and XXXX XXXX. XXXX XXXX worked with me for two weeks prior to her layoff ( effective XXXX XXXX, XXXX ), in an attempt to resolve this issue. What XXXX XXXX discovered and share with me was the following : 1 ) There was no loan agreement bearing my signature for the loan ending in XXXX ; 2 ) There was no documentation or notes in the HSBC system of records on why the loan number change took place ; 3 ) There were no notes/documentation in the HSBC system of records showing I was notified of this change ; 4 ) There were no notes/documentation in the HSBC system of records showing an effective date of when the loan number would change ; 5 ) There were no notes/documentation stating who made the decision that loan ending in XXXX was my debt. However, XXXX XXXX did share with me : 1 ) There was a HUD XXXX in the HSBC system of records which showed on line # XXXX the loan ending in XXXX was paid when I refinanced my home In XXXX. After XXXX XXXX departed I ended up communicating with XXXX XXXX, who was rude, curt, short and unwilling to listen. Most of our conversations where shouting matches. I asked XXXX XXXX on several occasions for the number to the Chief Executive Officer, of which she refused or provide. XXXX XXXX then sent me a letter and upon reading the letter one would believe that I sent XXXX XXXX written correspondence and she was responding. Not true all of our communication was via phone. Attached to XXXX XXXX letter was a bunch of automated printout, which according to the opinion letter from the FTC by XXXX XXXX XXXX, does not constitute validation. After I received XXXX XXXX letter I made contact with her once again, and XXXX XXXX as me not to contact her again. Thus, I am asking that XXXX XXXX does not respond to this complaint and that I be provided with the number to make contact with the Chief Executive Officer.  XXXX then sold this fraudulent loan to XXXX XXXX XXXX. I also possess a credit report which shows this HFC account was closed XXXX XXXX, XXXX, showing paid in full and HFC states this loan was sold to Springleaf XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: EQUIFAX, INC.
State: SC
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 victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation