BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
Company: EdFinancial Services
State: MD
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 tried numerous attempts to get my interest rate lowered. I have been paying 6 1/8 % since I had took out these loans. Only half of them were subsidized. In XXXX, I switched to a graduated payment plan. For past six or seven months, all of my payments have gone to interest, including the payment in XXXX which happened after the Covid-19 relief plans were announced. The federal government has made a tremendous amount of interest off my education. I am only allowed to deduct {$2500.00} per year in interest. I also never qualified for the lifetime learning credit or any education credits as my income was too low during my time in XXXX  school. I want these issues addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-11-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company continues to try to send me bills for medical debt which i am on medicaid. I provided them the medicaid id number. I am attaching my medical card which shows I have been insured since XX/XX/XXXX. The collection was updated XX/XX/XXXX after providing evidence of insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have disputed the following accounts # XXXX AND # XXXX being reported as a collection account from XXXX XXXX XXXX and account # XXXX reported as a collection account by XXXX XXXX XXXX. These accounts are reported by Transunion, XXXX and XXXX. I have requested the accounts be verified since there are inaccuracies in regard to status of the accounts as well as the amounts supposedly owed. If there is even 1 inaccuracy, which one is actually reporting correctly? I sent XXXX XXXX XXXX request letters to all 3 bureaus certified mail which have all been received but only Transunion and XXXX have responded. XXXX sent a letter with confirmation # XXXX dated XX/XX/2022 stating that the two collection accounts for XXXX XXXX XXXX are not reported as a collection by the agency when in fact it is and they also sent a letter with confirmation # XXXX dated XX/XX/2022 simply stating the account is verified. Transunion simply continues to state the accounts are verified. XXXX has yet to respond at all. I keep getting the run around and receiving the same repeat letters in the mail simply stating the accounts are verified. If these accounts are verified as claimed, why have they not sent method of verification as requested and who in fact verified these accounts? I am very frustrated with this continuous fight with the collection agencies as well as the bureaus and I would like to have these accounts removed immediately since these companies have failed to properly verify the accounts mentioned above as well as provide proof of method of verification within the time frame required by law. 

XXXX 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 non-monetary relief
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: PA
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:
Company ( Equifax ) experienced massive security breach due to improper security measures resulting in my personal info ( that I never asked them to collect in the first place ) to be compromised. Equifax knew about this breach a month before releasing info to the public which resulted in lost time to take action. I added a credit freeze to my account with them. To their credit, Equifax waived the credit freeze charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We were told that by closing in XXXX, our first payment would be due XX/XX/XXXX. When we closed, the date for the first payment was XX/XX/XXXX on the closing documents. We were told by the closing attorney and the CalCon mortgage representative to cross out the date and put XX/XX/XXXX, then initial by the new date. Now, we are being told to make the payment by XX/XX/XXXX ( today ), but it would go to the XX/XX/XXXX payment. We don't wan to pay on what is being called an illegal contract. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
State: MD
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:
They have overdrawn my account by over a XXXXXXXX XXXX ( XXXX ) for expenses I have no idea of. I have explained to them that i did not receive my merchandise from the vendor but they insist on charging me for it. They reversed my credit because I filed a dispute in XXXX and now my account is overdrawn for {$1000.00}. If it goes to collections, it'll destroy my credit which is already in bad shape that im struggling to fix.

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 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid a credit card balance of {$61.00} on XX/XX/2021 using my bank 's online bill pay service. The money was deducted from my checking account. Capital One sent me notice that it did not receive the payment, so I initiated the appeals process and provided documentation of the bank payment. On XX/XX/2021, Capital One sent me a letter stating it did not receive sufficient documentation and was denying my appeal. When I called the number on the letter, the representative said it had requested additional documentation on XX/XX/2021 ( which I do not recall receiving ), and because I did not respond, it denied my appeal. I explained that I had sent all the documentation I had ( i.e., proof of payment ) and asked what further documentation it requested. The representative said he did not know and could not find out because he does not have access to that information. When I asked for a contact number or email for the " Payment Investigations '' department at Capital One that denied my appeal, he could not provide any. He said I could only access that information using an online account or app, which I do not have ( this is an " emergency '' card that I only used because my regular card had to be canceled due to fraud ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSWORLD SYSTEMS INC
State: NY
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX-2017 I, a XXXX US citizen, attempted to take an auto loan through Ally Bank, using my husband, who is a XXXX XXXX XXXX, as my co-signer. I was approved, but d/t my prior bankruptcy my APR was high, but by combining my income with my husbands, I would be able to get a much more favorable APR. The dealership first said that Ally bank was requiring to see a copy of my husbands Social Security card, which I reluctantly submitted, confused because I was not required to submit mine. After that, the dealer then said Ally Bank was requiring my husband to submit his visa and work authorization card. Again, I hesitated, but sent a copy of his XXXX XXXX over. At this point I was getting angry, because in all my life I had never been required to submit my social security card for loan application. The dealer then said Ally bank was not going to accept the XXXX XXXX, and that the work authorization and visa was required.. Although we explained several times, that being a XXXX XXXX XXXX makes those other documents unnecessary. We refused to give any more info at that point, and were subsequently denied. My husband lives, works, pays taxes, and we raise our family here, just like everyone else. My understanding of the law is that its discrimination to demand certain documents from a person who is a minority, but not demand the same from a XXXX who is applying for the exact same thing. It was a degrading and humiliating experience, and I was sure in the moment that there must be a law preventing such treatment.

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 2020-05-16
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Sir or Madam, We are very disturbed due to the COVID epidemic. And based on the Public information floating in various media, we decided to take all possible protections as recommended by the various Authorities and Experts. 

On the Mortage side, we were curious to explore the precautions. 

We tried to contact the Mortgage company SLS directly on phone to get full information. However on their website, it was clearly said that they are experiencing a very high volume of inquiries, so the only way to contact them in Via Email. 

The details of the Mortage Company are : Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXX, CO XXXX So we contacted via Email, sometimes in XX/XX/2020. 

And we continued making regular mortgage payments in XXXX, XXXX in time, and would continue doing so in the future, as per the contract. 

However, we were shocked to get an ALERT in the second week of XX/XX/2020, from our XXXX XXXX XXXX, that SLS has made public notings/comments on the Credit Reports. 

We have never defaulted on our payments and have always made payments to them in time. 

We immediately contacted them for the reasons for the notings as we never took any assistance and have been paying in time. 

They responded that " someone '' would get back to us in 7 to 10 days, and did not offer any explanations or clarifications for those Public  Notings on our account We find this behavior inappropriate and we are being unnecessary being given a hard time by them. 

We have NEVER missed a payment and all payments have been made in the right amount and time to date. We will continue making payments on time. 

We therefore request removal of the comments as they are causing us massive distress in these times, and we are being needlessly targeted, despite fulfilling all the terms. We are NOT taking any assistance from them, for paying our Mortage loan. 

Please freely contact us for any information/clarification. We shall be happy to provide the same promptly. 

Thanking you and looking forward to your help. 

Sincerely Shocked and Disturbed Mortgage Holder.

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 2019-08-09
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the past year, Profit Services Group has been calling at least 3 times a day to harass me for a debt that belongs to someone else. 

When I told them, they called me a liar, hung up the phone and proceeded to continue harassing me. I have asked 6 times to have my number removed and each time I have been hung up on. 

The latest call I received was from " XXXX '' who claimed she was a manager said she didnt care about being reported or their XXXX  rating. 

I have no idea how to stop this but I need help desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: ENCORE CAPITAL GROUP INC.
State: IA
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: Billing dispute for services

Complaint:
about 2 years ago i paid midland funding LLC in the amount of XXXXXXXX   dollars. this was for a card with XXXX  XXXX XXXX. i notice today XX/XX/2019. this amount is still on my account. i called midland funding LLC about it they said that i didnt pay it. then the guy hung up on me. I then called XXXX XXXX XXXX about it. after looking deep in my account he seen that i did pay XXXX dollars a to midland around 2 years ago. he said he could not how ever help me out i would need to file a dispute. against Midland funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good morning. 

I paid Sears twice during in a balance transfer transaction and despite numerous attempts by me and promises by them to refund the money, we have yet to receive it. In fact, I learned yesterday from the rep I was speaking with that it was still under review because it is a " large amount ''. That it is being re-evaluated again because of it.

Sears clearly is engaging in subterfuge to hold on to our money despite the impropriety and perhaps illegality of it, in order to show ( perhaps ) that they have more assets in their credit card business than they actually do. 

This morning I sent them a message which I've attached. 

Thank you for reading this. 
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 2019-08-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan modification. I submitted the paperwork and they received it on XX/XX/XXXX. On XX/XX/XXXX I got my first packet ( dated XX/XX/XXXX ) in the mail requesting more documentation. I called the company to explain it would take time for me to get these further documents because of my divorce and current restraining order against my husband ( becasue of XXXX XXXX  ). They told me the foreclosure was on hold once the application was received and to just get the additional paperwork in as soon as possible. On XX/XX/XXXX I mailed more documents out, due to arrive XXXX. On XX/XX/XXXX I received my second packet ( dated XX/XX/XXXX ) in the mail requesting more documents. On XX/XX/XXXX received an email asking for further documents. I emailed all the documents I could get on XX/XX/XXXX out. That same day I got a call from my fathers wife ( who live XXXX minutes away ) alerting me to foreclosure paperwork ( dated XX/XX/XXXX ) that was left at their house for me. This is duel tracking as I was told foreclosure was on hold when the application arrived, yet the foreclosure was still pushed through.

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 2020-05-16
Company: Resurgent Capital Services L.P.
State: AR
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 recently received an alert on my credit report and noticed an account I've never had or opened. The name of the account is listed as LVNV Funding. I have been is dispute with the credit bureaus over the past several months in regards to fraudulent accounts appearing on my credit file due to identity theft. Most of the accounts have been blocked from the bureaus but for some reason this account is now showing up on my report. I never received any initial 5 day notice in the mail as per the Fair Debt Collection Practice Act requires. At this point LVNV Funding is in violation and this account must be removed immediately from my credit file. I've never received any goods, services, or money in relation to this account from LVNV Funding or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Green Trust Cash, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am currently paying on a loan from Green Trust Cash.  In a desperate need of cash, I reached out to them for a loan to pay some bills. Since the time I have gotten the loan, I have been struggling to pay it off due to enormous interest rate and the length of the loan. The other day I called and requested a copy of my contract detailing all the info of my contract, they would n't send it to me, the only thing they sent me was a detailed payment schedule of the payment left. 

In the state of Georgia payday lending is prohibited. 

In fact, there is a ban on payday lenders restricting their operation in the territory of the state according to the Industrial loan act ( Ga. Code Ann . 7-3-14. Ga. Comp. R. & Regs. r. 80 3-1.02 ( 7 ) and O. C.G.A. Section 16-17-1 et seq. ).

Payday loans go under a title of small loans, generally ; the minimal amount is {$3000.00}, according to the 16-17-2 of the Georgia Code.

Certain businesses and companies have a legal right to give such loans but in terms that all their operations are regulated by the Credit Card and Credit Card Banking Act. All the lenders wishing to operate in the state should adhere to 16 % small loan rate cap APR ( and 10 % per year discounted plus fees ) as well as 60 % per year criminal usury cap.

The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX 2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Alliance Recovery Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Is in my blocked call list, but somehow it transfers to voicemail. They call everyday with a recorded message, They are threatening legal action unless I respond, TODAY! They have been calling everyday for over 2 weeks. They say to call the above number and give the case number, but they don't supply the case number. I call but only get a voice mail.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-28
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX x3 XXXX thru XX/XX/XXXX and XXXX and XXXX of XXXX all months that synchrony bank has illegally pulled or inquired on my credit report fraudulently.

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 2018-09-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Company could NOT freeze credit. Wanted me to send them my Social Security Number, a copy of drivers license and a copy of current utility bill. I think that mailing them that information would give someone that " stole '' the mail, all the info necessary to really commit identity theft. Both XXXX and XXXX were able to put freeze on my account easily and rapidly.

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