BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: AES/PHEAA
State: MN
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:
On XX/XX/2019 I called XXXX XXXX twice - but talked to three different individuals. The first call was with a very nice agent, but she asked me many questions ( most of which I did not know the answers ) and she told me to guess on the answers. Well, it was not clear to me why she was asking me the questions and that it would impact the monthly payment amount. She put me on hold many times when I told her the amount that she stated would not work for my family situation ( my husband has been unemployed for 4 years and has been in the process of applying for XXXX ). What I now know only because I did my research online is that she was trying to figure out how to reduce the payment through some of their various programs. She told me at one point that I had reached the maximum forbearance time which I thought was interesting as that had never been communicated to me in any previous communication with them ( a time limit was never provided ). Once I spoke with my husband and got the correct amounts for the financial questions they were asking I called back. This individual gave me a lower monthly payment, but it was still not doable. I called again and asked to speak with a supervisor ... the person was very hesitant and I told her that I was concerned that I was not being presented with any detailed information. She put me on hold and said she thought she could help me with some options. All of a sudden I had a different person on the line - she told me her name, but not her title. I assumed she was a supervisor, but she didn't have any different knowledge, but just spoke more eloquently ... .in fact, the number the previous person had provided she said was far to low than what they ever approve and so she raised it back up. I had no clue what she was talking about ... the inconsistency is absolutely crazy ... and the lack of communication regarding options. I called my husband and by that point in time he had been on their website and found many options articulated, entered the information and the monthly payment went down even further than what the lowest one was ... again ... this is crazy. It feels like this was purposeful in that they don't want you to understand what your rights and options or what you may be available for ... .they just want your money ... which I get, but it's sad when I can work with other companies to collect their debts and they are understanding and provide information ... .this company is not transparent and dishonest in their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Ad Astra Recovery Services Inc
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out this loan in summer of 2017. I dont know dates or even the amount that I originally took out. Honestly, I took it out and I do owe it. Unfortunately, I can't pay it back and never should have taken it out. I am on Social Security XXXX now and am on a very limited income. I have no financial means to even do small payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Apparently, someone was able to open an account on paypal. They were able to load my account information and with the account being unverified they were able to take money out of the account. I find it criminal that paypal 1 ) allows an account to be unverified and take money out and 2 ) doesn't cross reference the fact that the bank account is connected to another bank. This clearly encourages people to commit fraud because of how easy it is. You simply need a check to complete the process. Finally, paypal makes you deal with the bank in order to get reimbursed and offers to help. This system is setup for abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
MY BROTHER WHO SINCE XXXX XXXX IN XXXX OF THIS YEAR AND HIM AND I PURCHASED A VEHICLE FROM XXXX XXXX XXXX DEALERSHIP IN XXXX NEW YORK ON XXXX XXXX XXXX AND THEY GOT US A LOAN FROM SANTANDER CONSUMERS USA BANK KNOWING WE LIVE ON A FIXED INCOME AND A WEEK BEFORE XXXX XXXX SALESMAN INFORMED US THAT THEY HAD A CAR FOR US IT WAS A XXXX XXXX XXXX XXXX  XXXX XXXX NOT KNOWING THAT THE VEHICLE WAS NOT ROAD WORTHY BECAUSE IT WAS IN AN ACCIDENT IN XXXX XXXX NEW YORK THEY NEVER DISCLOSED THAT INFORMATION TO US BANK WAS SO QUICK TO FINANCE US THE LOAN XXXX XXXX SALESMAN TOLD US THAT THE CAR WAS STILL AT THE AUCTION PLACE THE SALESMAN TOLD US THAT THEY HAVING REPAIRS DONE ON IT AND I ASKED WHAT REPAIRS ARE THEY DOING ON IT THE SALESMAN NEVER TOLD US WHAT KIND OF REPAIRS THE AUCTION PLACE REPAIRING ON THE CAR WHEN WENT OUT TO XXXX TO PICK THE CAR UP I WENT OUTSIDE AND THERE WAS A TEAR ON THE REAR BUMPER AND I ASKED WHAT IS THAT SO I REPAIRED IT MYSELF NOW THE BANK IS ASK ING FOR THE REST OF THE MONEY AT THE INTEREST RATE THEY THEY WANT ME TO PAY THEM NOT HAPPENING THEY NEED TO PAY ME BACK ALL THE 2 YEARS OF PAYMENT WE PAID THEM I ASK THEM IF THEY WOULD REFINANCING AND THEY TOLD ME NO THE CAR WAS TOTALED ON XXXX/XXXX/XXXX HIT FROM BEHIND AND IT 'S MY FAULT NO WAY I JUST BACK EVERY PAYMENT MADE TIGHT BACK TO ME AND SANTANDER CONSUMERS USA CAN GET THEIR MONEY BACK FROM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
Equifax XX/XX/XXXX requested via free annual credit report toll free # XXXX from Equifax. 
XX/XX/XXXX received a letter in mail dated XX/XX/XXXX their records indicate a free copy has been sent within the past 12 month. 
My records indicate the last report I received from equifax was XX/XX/XXXX, 2 years ago. 
XX/XX/XXXX XXXX XXXX ET I called Equifax XXXX I believe XXXX said it was XXXX priority to send me my requested free report except he was asking me questions I do not have the answer to and he wanted me to call back when i did have the answers, like what's my current balance of lenders, what is the min. payment, etc. I pay my bills in full. I don't track current balance or min. payment due. very frustrating. 
XXXX says I've received one in the past 12 months I want Equifax to tell me the date they sent it last, XXXX wouldn't tell me that. I have not requested or received a credit report from XXXX in almost 2 years so who did they send it to? 
I'm almost XXXX yrs old. I do not text I do not want to provide my mobile #. I will provide my home number as I still use a landline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Express Recovery is garnishing my wages for amounts that I do not owe to them. The summons they served me had no information such as date of service I owed these said companies just that I owed them money without any proper documentation one of which is XXXX XXXX and their billing department who has now locked our accounts for an amount of {$140.00} dollars which is preventing me and my wife from getting our medications refilled which are medications that could without them could cause serious harm to our health. My wife has been thrown into XXXX without some of her medications she is needing and they are withholding my XXXX XXXX XXXX medications from me as well. Per Express Recovery, they say I owe money to them but on the summons it says no dollar amount as to what I owe. I am being garnished through Express Recovery and they will not separate the medical part from the other I believe are false so with them not being separated, I can not get the mediation I need to help me with my illness which I would consider on not only Express Recovery but also the XXXX XXXX as some sort of Malpractice because my health has the potential to bad without mine or my wifes medication and if that happens then that would be a type of malpractice. With that being most important, my wages are being garnished and they have gotten away with the garnishment although no evidence or paperwork adding as to any dollar amounts. They need to be looked at because they are doing unlawful practices and they will not provide me with exactly the amounts per each accounts they have bundled together which is making it impossible for me to get medical treatment as well as taking money by garnishment that they have no right in taking which is severely affecting my like to take care of my familys medical and financial needs

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
I have disputed late payments with my mortgage company. 

They sent me a letter which does not constitute validation of the payment history. 

I was on a repayment plan which provided a different amount then my and different due dates. 

The credit report verifies payments received in XXXX reported by XXXX. 

In XXXX I submitted a application for forbearance and never received a response from the company other than the confirmation email. 

I have provided copies of my credit reports showing the discrepancies between the bureaus which is been verified/certified as accurate by information provider 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 2018-09-14
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have put freezes on all 3 credit Bureaus within the past year and saved all of my documentation. 

I recently tested unlocking them for a short period of time to see if it was possible. Out of all 3, XXXX   and XXXX were able to temporarly unfreeze my credit. Equifax requires that I send a letter with personal information to them. I have also tried to contact them regarding this and have yet to reach a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had service with XXXX XXXX in XX/XX/2019, not sure of exact dates. I used the services to work from home. I had multiple issues w/ service being interrupted for technical issues on their behalf which caused me to have to work in the office around end of XX/XX/2019. I called and called my service eff XX/XX/19 because I had new service installed by XXXX  on XX/XX/19. While my service was active at my residence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided by XXXX  I continued to receive statements saying I owed for services no longer being rendered. I called XXXX on XX/XX/19 and spoke with a supervisor by the name of XXXX who advised me I would only owe {$44.00} due to prorated charges they billed me for services thru XX/XX/19. I received a collections letter for {$88.00} which is not correct. I disputed these charges by phone on XX/XX/19 and received a letter from CPA ( collection agency ) stating XXXX is still saying I owe the said amount of {$88.00} with no proof or validation of how I owe that amount when I had services with another provider at the time they are accusing me of using their services. I terminated my services with them as of XX/XX/19 and do not owe the amount they are requesting.

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 2017-08-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX my now XXXX mother needed my help to refinance here home.So I helped her and I became part of the mortgage loan.At that time XXXX XXXX was the lender.In XX/XX/XXXX I had a new child born that was born XXXX. I was then forced by family court to illegally pay child support for my children in which they were living with me. With this illegal act my credit was ruined for not being able to pay for credit issues I had beforehand.Mostly all the credit companies I owed sent me to collections and they were seeking garnishments for not being able to pay.In XX/XX/XXXX, my mother passed away and I had to submit her death certificate to XXXX XXXX.After I submitted my mother 's death certificate XXXX XXXX quickly sold the loan.Keep in mind that my credit was destroyed when the mortgage was sold to PennyMac.PennyMac received a mortgage without investigating my credit as a borrower.So they tried to foreclose on the property because of their improper practices.I got the house out of Foreclosure in XX/XX/XXXX and in XX/XX/XXXXbecause of unfair practices by PennyMac.In XX/XX/XXXX the property needed serious roofing repair while I was in foreclosure repair.Their lender placed insurance company XXXX sent out their inspectors and agreed to do the repairs.After {$42000.00} worth of repairs was done to the property while going through foreclosure repair they denied the claim and left me to pay the bill with destroyed credit.Garnishments started coming out of my check and I Have n't been able to even eat or pay my mortgage.This is a very sick situation to live under please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Credit Adjustments Inc
State: NC
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 made multiple attempts to try and have this company remove inaccurate information from the credit bureau. They continue to refuse. I have written information from the department of education stating I would not be reported for late payments.

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment.

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 2020-06-03
Company: Experian Information Solutions 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-02-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is incorrectly reporting a record from XXXX XXXX. This has been disputed several times and is now past 7 years but it is still reporting. If this is not resolved, I will seek legal action.

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 2019-04-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Wells Fargo personal savings account on XX/XX/XXXX with a cashiers check in the amount of {$240000.00}. I took this action because the bank offered a savings rate of 2.08 which was much higher than other banks. About a month after I opened the account I stopped in the branch where the account was opened because I had not received my first statement. I received a statement from branch personnel and noted that I was credited with interest in the amount of {$210.00} for the period from XX/XX/XXXX to XXXX. To confirm that the interest calculation was correct I did my own calculation which was as follows : {$240000.00} X 2.08 which results with the amount of {$4900.00}. Then dividing that amount by 365 days I derived a daily amount of {$13.00}. I then multiplied that amount by 17 days ( XX/XX/XXXX to XXXX  and the result was {$230.00}. My calculation is {$13.00} less than Wells. I have had several conversation with Wells branch mgmt. and personnel with no resolution. And two weeks ago this matter was referred to the corporate Resolution team and have heard nothing from them either. My greatest concern is how many other new Wells Fargo customers are being affected. Given Wells recent reputation anything is possible.

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
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-04-18
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint is my new mortgage service provider. The former company, XXXX, is in the middle of responding to my request for an assessment of late fees, payoff amount, escrow and all the numbers to ensure it is accurate. So, I am waiting for that information from XXXX, so I can be sure when I catch up payments with Shellpoint, it is accurate and I am not overpaying, jeopardizing my equity. 

My concern is this : I called Shellpoint a week ago, and they said that late fees would be begin approximatelyXX/XX/2019, a month after Shellpoint began servicing the loan. Upon my initial complaint with XXXX ( XXXX ), I hadn't officially received my Shellpoint paperwork. So, I have had the Shellpoint paperwork for about 2.5 week, and have known about the transfer for just under a month. Since I am waiting for the accurate numbers from XXXX to cross-check with my Shellpoint paperwork, I felt it better to wait and not pay yet. Once I have the pay off the amount I can feel sure about, my wife and I are in a position to get caught up fairly quickly. We are both XXXX and get lumpsum payments in XXXX. By XX/XX/XXXX we should be set with shell point once I can get the two compaines to confirm the accurate numbers in the loans with regard late fees, pay off amount and other holding accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I receive an alert from my XXXX credit report stating that a new collection from National Credit Adjusters had been added to my credit. I called National Credit Adjusters @ XXXX and spoke with XXXX XXXX did not give last name ). I inquired about the collection XXXX stated the original date of the collection in question was XXXX. I asked why was it reporting on my credit as of XX/XX/XXXX which is untrue. XXXX stated that the date that is used is the date that they purchase the account. I'm requesting it to be removed permanently from ALL 3 credit bureaus due to National Credit Adjusters violating the date of expiration by reporting the debt happened in XXXX when the actual date of the debt is XXXX.

Company response to consumer: Closed with explanation