BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Inaccurate criminal information on my credit report. I was denied a place of residence because of this. I never had a felony charge on my record. Im not a felon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018 I made an international online purchase for {$25.00} so I used my XXXX   XXXX that says it charges no foreign transaction fees. When I viewed my statement I saw that I was charged a {$10.00} cash advance fee. I immediately contacted a representative and was told that the fee was based on the coding of the vendor and that XXXX could not remove this charge. I reluctantly paid the full amount of {$35.00} and when I viewed my account again I saw that an additional {$2.00} " minimum charge '' fee was added after I had paid. I called a representative again and the lady told me that this was a minimum charge on the cash advance and she could not remove this charge neither. I pay an annual fee of {$89.00} a year, make a {$25.00} purchase and get billed {$12.00} in fees.

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 2018-03-14
Company: AES/PHEAA
State: NC
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:
1. Issue is student loan forgiveness. I have been employed over the past 15 years with various state and community organizations that qualify for the student loan forgiveness program. I have applied 3 times each time my loan get transferred to another company.

2. I have asked for and investigation because the total amount of loan as reported on my credit reports is not adding up it almost appears to be 2x what it should be and including the payments made over the past 15 years.

3. My concern is that when my loans were refinanced they were refinance with the original loan not the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted numerous Complaints on the Servicing Mortgage Company, and notified the Bank that they claim is the Owner, and asked the Servicing Mortgage Company ( Select Portfolio Servicing , Inc. ( SPS ) to contact my Attorney, as I am under Federal Bankruptcy Protection, thus far they ( SPS ) have not done so. 

Today, I received Phone Calls and Texts from a man that identified himself as XXXX XXXX XXXX ( XXXX ) XXXX-XXXX, of XXXX XXXX XXXX, informing me that he had an Order to do something to the Property at XXXX XXXX XXXX, XXXX, Georgia XXXX, he stated that the property had a Lock box on it? I Texted him the information for XXXX XXXX XXXX @ SPS ( XXXX ) XXXX-XXXX, XXXX. XXXX, and asked him to never, ever contact me again, as the Mortgage Company took possession of that property XX/XX/2017, and the keys were surrendered, and Locks changed, the property belongs to the mortgage company. 

This seems to be an on-going pattern of harrassment by ( SPS ), and this is not a mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Alliance One, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2018, I have been called incessantly and at all hours by various representatives of Alliance One Receivables Management. I do NOT owe them nor anyone they claim to represent ANY balance whatsoever!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted I C Systems INC about a debt in the amount of {$630.00} for XXXX pet hospital. The account is not mine and is how it is spealt in XXXX not english form. The account is for a dog named XXXX which I do own but anyone can make up a name for a dog & my neighbours have pets as well in the same apartment complex. I do not know who may have done this but I know without a doubt it was not done with my conscious, present authority at the location the contract signing took place. 

This is a case of identity theft and I have never opened an account/ entered into a contract nor have I ever signed a contract with my signature with XXXX  pet hospital . 
I assume my brother entered into into the contract and he has paid for the account using his credit/debit card but upon speaking with him he does not remember. 

I have contacted the representatives and was constantly told " I don't know '' if a police report being submitted will result in removal of the fraudulent debt. XXXX has contacted me and I have told them as well that I have never signed a contract with them. 

I have submitted disputes to the Credit reporting agencies and a dispute to IC Systems INC. 

The signatures on the contract will not match my signature on my driver 's licence nor will security camera footage from the day the contract was signed will show I was not there to enter into the agreement. 

I request this fraudulent debt be removed as it does not belong on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For a year now, Ive tried to work with all three credit bureaus. To date people have my information due to identity theft. I found out through XXXX, that I was sold on the dark web for years. Ive gotten so many disputes taken care of but then I go to XXXX XXXX, and they have not updated anything. And to date people are still trying to get credit.There are places of employment they said they verified thats not true because I never worked at these places. In XX/XX/XXXX and then all these other dates I know where I was that and I dont even know these places of employment. Though they say they verified it thats an impossibility. Midland funding, XXXX finally settled my dispute and shut them off, the other two have not. I have disputed addresses I have disputed false names I have disputed false phone numbers, and I have disputed all these hits on my credit that are not me. Id like to add that my bank account two months ago was emptied and Im still trying to deal with my bank. Ive been mirrored by an XXXX XXXX, they managed to mirror all of my emails, Im trying so hard to get them to listen to me to just hear me and they wont help. Every time I dispute they say no its accurate, no its a complete inaccuracies.I need help. These go back date wise so far even up to today. There are so many things Ive disputed Ive proven to be true, credit bureaus dont want to help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Synovus Bank
State: NV
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:
The company has no way of contacting them and takes long processing it also have predatory ways to make payments and can not set payments on auto. If you make a payment it may take 7 days to process and another 7 to be applied. I submitted a payment XX/XX/21 but it wont be applied until XX/XX/21 and will be after XXXX when the payment is applied. They also literally have no way of reaching out to them. Once you choose Customer Center is redirects to the login page.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Credit report agencies are reporting different information about an account on my credit report. They are reporting different " last reporting dates " and after the account shows that it had been charge off one of the agencies is still reporting OK Payments after 2 years that the account had been Charge Off..

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 2018-09-04
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
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 been trying to dispute multiple items on my credit report since 2017. I have not been given any information concerning the inaccurate accounts on my reports I had in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I got an email on XX/XX/XXXX that my Bank of America checking account would spontaneously convert to a different type of account with a monthly fee for a balance below a certain amount. 

" On XXXX XXXX, 2018, your eBanking checking account will change to Bank of America Core Checking ''. 

" We 're updating our checking products and, as a result, your eBanking checking account will change to a Bank of America Core Checking account. Core Checking offers unlimited access to our ATMs, Mobile and Online Banking, plus access to our financial center tellers. 

What 's staying the same : Account information, including your account number, checks and debit card, all remain the same. 
Account features, such as direct deposit, Mobile and Online Banking, Bill Pay, as well as accounts linked for overdraft protection, will also remain the same. 

What 's changing : Financial center transactions Beginning XXXX XXXX, 2018, you will no longer pay a monthly maintenance fee because you use a teller to make deposits and withdrawals. With your Core Checking account, you will be able to make unlimited deposits and withdrawals with a teller at a financial center. 
Monthly maintenance fee A $ XXXX monthly maintenance fee will apply to your Core Checking account beginning with your statement cycle that starts on or after XXXX XXXX, 2018. However, you can avoid this fee when you meet any ONE of the requirements shown below during each monthly statement cycle. Otherwise, the $ XXXX monthly fee will be deducted from your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Inaccurate date opened on multiple student loan accounts. Please have the company delete it immediately.

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 2019-06-12
Company: LEXISNEXIS
State: FL
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 notified LexisNexis via certified mail XX/XX/2018, XX/XX/18, and XX/XX/2018, regarding 3 bankruptcies on my credit file. LexisNexis responded to me XX/XX/2018 stating they contacted Florida Federal Bankruptcy Court XXXX and the court verified the bankruptcies. XX/XX/2018 I sent LexisNexis a copy of a letter I received from Middle District of Florida Bankruptcy Court. Stating the court doesnt report any filings to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I paid my total balance of approximately {$5300.00} from my statement due date of XX/XX/XXXX leaving a XXXX balance. On XX/XX/XXXX a recurring monthly charge of {$9.00} was charged. For my XX/XX/XXXX statement I was charged {$54.00} in interest. I called customer service to find out why I am paying that amount for only {$9.00} charge. I was told that thats the daily interest charge for the {$9.00}. CitiCard need to stop overcharging customers. I have read reviews from other consumers how this company will just cancel your card without an explanation. Thats fine with me because I will just bring this account to a XXXX balance and never use it again. If I cancel it will bring my credit score down is the only reason I am not cancelling.

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 2020-09-16
Company: American Accounts & Advisers, Inc.
State: MN
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:
Good morning, My official complaint, On XX/XX/2020 I paid 2 debts in full to the original company, XXXX XXXX. I sent a letter and proof of payment to the creditor, American Accounts & Advisers , INC. on XX/XX/2020. In that letter I requested proof of removal from my credit report within 30 days of receiving my letter and proof of payment. I never received anything from them to this date, XX/XX/2020. This debt continued to be reported unpaid by American Accounts & Advisers , INC. for the next 4 months, I attempted to dispute this with XXXX multiple times during that period but due to COVID there we not taking care of disputes due to staffing. On XX/XX/2020 I called XXXX and was able to talk to a person that submitted the dispute for me. I asked XXXX  to direct me to a place where I can make formal complaint against American Accounts & Advisers , INC. inability to do their due diligence in removing a paid debt from my report that they knew was paid. I called the number and it was American Account & Advisers , INC. I was quickly directed to XXXX 's voicemail. I left an extremely professional message indicating this debt is paid and their lack of response is to say the least disappointing to blatantly ignore a paid debt and not do their due diligence to remove it from collections. I received a call this morning to say it is now reported paid. I asked what caused their lack of due diligence to report and why it took them 4 months. There was silence and I was given no reason at all, none. The phone call was recorded. I have been in the process of trying to get approved to buy a home, build my credit portfolio and been denied multiple times due to this debt not being reported paid. It has directly affected my life and what I am trying to build for myself and my family. 
These companies will harass you night and day but the moment we need them to report a payment, no response. It needs to stop and there should be consequences for companies that do this. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX High Credit Credit Limit Past due balance Date opened Date last active Date last reported Date last payment All this information is inaccurate and I asked that it be removed on several occasions and never got a response nor an update

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 2021-04-08
Company: Square Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I already informed cash apps that im a victim of Identity theft and I want to close my account to them. Ftc /fbi /police department informed me to close all my savings and checking and anything that involved with the love scammed I had. I got 1099B from Irs sales that im not involved. Up to now since XX/XX/2021, Cash apps is giving me hard time closing my accounts with them. I already give then ftc info but still now my account still open and the 1099B sales dont know what to do, I informed Irs for fraud transactions with this from cash apps.even XXXX charging me which i disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I filed a loan modification application with my loan service provider, Selene Finance. All of the documents that were requested were reviewed by my HUD XXXX XXXX, XXXX XXXX, XXXX and In XXXX I ended up submitting a complaint to the CFPB ( XXXX ) because I was getting mixed responses from Selene Finance on the status of my application submission. After CFPB became involved, I received a call from Selene Finance advising that my application was complete and that the underwriter submitted the modification proposal over to the investor. 
I was then contacted by XXXX XXXX from Selene Finance and was told that they should be hearing of a modification approval by the investor by XX/XX/XXXX. On XXXX my XXXX XXXX tried to reach Selene Finance and after no success. I called in and was told by Customer Service Representative that my loan modification proposal was still being reviewed by the investor but that I should be hearing back from them by XXXX. On XXXX I tried reaching out and was unable to reach XXXX XXXX. I gave it another week and reached out to Mr. XXXX then advised that my proposal was still being reviewed by the investor and that I should wait another week. It is now XX/XX/XXXX and as of today, my XXXX XXXX was advised that my loan modification proposal was still being reviewed by the investor. 
The concern my XXXX XXXX has is that after 30 days Selene Finance or the investor can come back and ask that resubmit the loan modification application because the documents I submitted back in XXXX are no longer valid after 30 days. Therefore, shes asked to reach out to you for further assistance. 

XXXX regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have previously notified the credit bureaus this is a result of fraud and sent the police report. I am very upset this is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

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