BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: ACS Education Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I started at XXXX XXXX College in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to ACS first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto XXXX and added more money.Now XXXX is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay XXXX XXXX for money that I did not borrow. I 've ask XXXX for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and XXXX and ACS. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as ACS taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with XXXX so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that XXXX ACS and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and XXXX Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Lincoln Educational Services Corporation
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
there are times where i do forget payments but when i answer or call them back one lady that i have to deal with for my loan is rude, harasses me, and hangs up on me.. Today had to be the worse which would be XXXX called to setup payments to get things caught up and she said i need a reason to why you have not contacted us, I told her that i have been working very long days, she says that's not a good enough reason. Only way i can take payment is something today and setup autopay. told her that i can not make a payment today that this was my fault be I'm setting up three payments to get everything caught up, she continued to harasses me about my other bills stating that i don't forget my phone bill, just cause you work long hours is not a good enough reason to where i did get upset and asked for a supervisor which really didn't help much cause the only way he would setup payments is if i setup autopay.. I have had the same woman hang up on me in the past when i asked a question.. she continues to make sure that this is going to mess up my credit there has been many times we have blown up on each other because of her attitude towards me.. im sorry im trying to pay and because of my reason its not good enough? because i have made mistakes that i get harassment from her.. there's time i rather be late then have to deal with this woman.. i dont have pacific dates but they record all there phone conversations.. today i had it with the way she talks to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX XXXX XXXX XXXX On the date shown, XXXX XXXX  called me on my cell phone, and explained they are a collection company trying to recover my debt owed to XXXX XXXX. There was a debt. The amount sounded correct. We made a payment arrangement together. 

The whole thing began to take a weird, unprofessional turn after I agreed to two payments of {$230.00}. The agent on the phone with me, a woman with a foreign accent ( the charges incurred foreign currency exchanges, as well ), said she needed to transfer me to her manager for " final approval ''. She was fine, actually, but the manager was acting like a used car salesman, giving me strange options which made no sense. 

I had ALREADY agreed to make two payments. He didn't like the dates. He wanted them back-to-back, then a week apart, then one week after the week I had agreed to! What the XXXX? Finally, I told him he was just too XXXX weird to deal with and process my payments and get off my phone. The phone call lasted 20 minutes after I had already agreed!! 

However, part of what I agreed to was, THERE WAS TO BE NO REPORTING TO THE CREDIT BUREAUS since there had not been any on this matter prior to our conversation. It's now on my XXXX   report as a collection!! They LIED! 

They called me AGAIN, before the second payment ( XX/XX/XXXX ) and began to harass me for my email address, address and more information, which I refused to give them! What do they need ANY of  that for? They don't! After I more than firmly told the same woman, NEVER CALL ME AGAIN, I blocked their number from my phone. 

They lied. They harassed me. They put the report on my XXXX after they promised they had " no interest '' in doing so, AFTER they got their money. Plus, they never explained there would be a currency exchange cost. Ever. {$7.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I wrote a check to my daughter, XXXX XXXX, on XXXX XXXX for {$800.00}. I put it in an envelope and mailed it to her in XXXX XXXX, CO. The check was stolen out of the mail ( never arrived at her house ) and altered. The amount was changed to {$8000.00} instead of {$800.00} and the recipient was changed from XXXX XXXX to XXXX XXXX who is unknown to me. The check was cashed or deposited ( not sure which ) at XXXX XXXX XXXXXXXX. It came to my account on XX/XX/21 and {$8000.00} was withdrawn from my bank account. I informed the bank ( SunTrust or Truist after a merger ) of this fraudulent transaction on XX/XX/21 and a customer service representative took the information and gave me a fraud number XXXX. I have called customer service at the bank 2 x per week which included hold times of 30 min. to 1 hour. The customer service rep. checks on the progress but really has not addressed any progress of significance. I have also spoken with the manager for the branch I use ( XXXX XXXX XXXX in XXXX, GA ), She contacted the fraud branch and got the same information as I had gotten from customer service. I am not allowed to talk to anyone that is part of the fraud office. I have been waiting for results for 6 weeks, but so far no results.

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have 2 public records that I asked to be validated due to the new law that on XX/XX/XXXX all Judgements will come off. I have a Judgement from XX/XX/XXXX and a BK from XX/XX/XXXX. I am trying to get these items off if allowed by law. I have contacted all 3 bureaus and none are being compliant. It is hindering me fron getting my daughter the loans she need for her educational needs.

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 2022-02-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello,

Around XXXX  of XXXX if my memory is correct, Chase Bank XXXX decided to close my checking account for no reason. They wouldn't ever want to describe a reason over the phone or in person. Until today I have no idea why it has happened, later around XXXX XXXX I decided to retry opening an account since I had done nothing reasonable for them to close my account but that didn't work I couldn't open a new account then I attempted again online on XXXX XXXX XXXX  and that still resulted in a error message saying they can't open an account for me. Currently, I am a university student seeking to get a student bank account at chase. Please help me resolve this issue.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed on my credit report very old accounts from a Student Loan company. Im not familiar with the accounts, but, nevertheless it is required by state law that no debt is reported longer than 7 years. These accounts were opened in 2010 which means they should be much easier to remove from my credit profiles ( Equifax, XXXX, XXXX ). The accounts are as follows US Dept Education XX/XX/2010 Balance {$4400.00}, US Dept Education XX/XX/2010 Balance {$9700.00}, US Dept Education XX/XX/2010 Balance {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When I initially signed up for short term mortgage forbearance Wells Fargo told me the deferred amount could be added to the back end of my loan without modification to existing terms. When I called to speak with someone about repayment terms I was told my only options are to pay back the full amount or obtain a floating fha loan. I did not agree to forbearance under these conditions.

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 2019-08-01
Company: FIRST NATIONAL BANK OF OMAHA
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have an account with first bankcard, then my mother open another account with first bankcard and add me as an authorized user on another credit card with first bankcard which is different than the first bankcard I open on my own without letting me know in advance. I didn't mind that my mother open the account but first bankcard did not check with me which is a first red flag, when I find out later, the second red flag is first bankcard did not let me add that credit card to my online account to manage the account. When I call them, they dare to ask my mother 's personal private information include her social security which I did not give out and I don't think I want to give out someone's else social security either, which is another red flag. What they show here is lack of respect for the credit report holder which in this case was me when opening an account on my credit report without asking for my permission, then lack of respect for customer 's privacy when they started asking me my mother 's personal questions include her social security when I try to gain access to the credit card my mother open under my name when she add me as authorized user. This show lack of care for consumer privacy, and when I tried to close this credit card that is opened under my name, they said the fraud division would start investigate it which is ridiculous because they are the one who fraudulently open an account on my credit report without checking with me first and refuse to let me close an account on my credit report when asking for someone's else private information as an excuse to not let me access my own account. What a joke. I don't know who set up their system but it shows a total lack of concern for consumer 's private information rights. 
I own my own XXXX XXXX : XXXX XXXX XXXX ( registered in Hawaii ) and I would never set up a system where someone can open an account on someone's else credit report without their permission. My name is XXXX XXXX XXXX and my blog is : 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 2021-11-11
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CL Holdings LLC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I just picked up papers from post office regarding a judgement against me from XXXX XXXX. I attended school and graduated in XX/XX/XXXX to XXXX which is now closed down due to mismanagement of student funds. I was not aware that I even had private loans until after i graduated. Many students that attended this school was not aware of the private loans either and some students such as myself did not even get any funds that were left over after term was over. The school was to give unused funds back to XXXX XXXX or give to students but did not. At one point i was paying XXXX XXXX {$100.00} per month automatically from my checking account, then one day they stopped and honestly i thought it was because of all the mess that was surrounding the closing of the school. XXXX XXXX sold my loan to Jefferson Capital a collection agency, and I had never received any correspondence from them until last week. I 'm already overextended financially and with cost of living and other student loan payments. I work for a XXXX XXXX XXXX  and some of my student loans are in the loan forgiveness program because of where I work and there are some student loans I have to pay because they did not qualify for student loan forgiveness and they are also federal loans. So I have contacted Jefferson Capital and I have like 20 days to to set up a payment plan, pay off or get judgement placed on my credit, then sued. I do n't know what to do or if those student loans from XXXX are even forgivable or dismissable. Although motion was filed by Jefferson Capital on XX/XX/XXXX, I did not received notification until a week ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several disputes to SCA collections regarding an inaccurate collection listed on my XXXX  report in the amount of XXXX. I have also sent disputes to XXXX  regarding this inaccurate information listed on my credit file and neither company has been able to produce any proof that this debt actually belongs to me! SCA collections continually ignores any debt validation letters I send and continues to list this unverified inaccurate information on my credit file. I will attach my most recent correspondence as well as the certified letter I sent to SCA collections giving them one final chance to verify and send me the proper information as requested in my letter.

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 2017-07-13
Company: EQUIFAX, INC.
State: NC
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:
XXXX & XXXX would not remove these accounts from my credit after doing the online dispute and writing in my dispute. Equifax has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax, XXXX, and XXXX would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Equifax customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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: Public record information inaccurate

Complaint:
I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: AES/PHEAA
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:
Without explanation or legal authority, FedLoan recently increased by monthly payments by more than {$1100.00} per month. Upon information and belief, FedLoan is doing so in order to retaliate against me for reporting its unlawful practices to members of Congress and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: KEYCORP
State: OR
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:
XX/XX/XXXX I was Scammed by someone who called my work. They said they were delivering a new XXXX if sales machine. Remaining balance if XXXX so 2 transactions were made XXXX and a XXXX payment Upon paying the amount no merchandise was delivered And I called bank right away to dispute transaction. Bank issued credit XX/XX/XXXX and then reveresed XX/XX/XXXX because if insufficient evidence. I emailed the al documents and the re applied credit. Credit was removed again XX/XX/XXXX with no notice on Causing account to go insufficient and made me late on multiple bills. I called and the rep whom I spoke with said only 1 claim was filed and the other had no claim dispute. So I again emailed them edited the form to show the correct amount and merchant. Now XXXX Credit was reversed again for the XXXX time. I called asked to speak with a supervisor and was Told XXXX was the supervisor Spoke with her for over a hour Trying to resolve issue said I need to call back next day as the department that handles that was closed. So I called back next day XXXX and spoke with another rep who informed me that XXXX was not a supervisor in fact just a regular representative. And then was told I would receive a call in 3 business days which I have not received any calls this is the XXXX business day now. And I have bills coming up once again and will not be able to pay for them since they keep applying and removing credit as they so please.

Company response to consumer: Closed with explanation