BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been on an income driven repayment plan for the past 5 years and was recently told that the last 2 years of payments have not counted towards the 120 payments required for public service loan forgiveness plan which I am also enrolled in. There has been no adequate explanation for this. I was initially told that the payments were not for the complete amount charged, however I'm on an auto payment program with no notification of any late payments or inadequate payments. The listed amount has been withdrawn from my account monthly and automatically. In the same conversation with a representative on XX/XX/19 I was then told that there is a " paid in advanced status '' listed on my account which precludes the automatic payments from being counted. Again, I am on an auto pay plan and have not paid anything additionally or in advance. Each time I call the customer representatives are not able to provide any detailed information and tell me that they will submit my account for review by the Treasury Department. This takes months at a time and nothing I receive back has any explanation, just the same " qualifying payment counts. '' I have not ever been able to speak to anyone who has any power to help me with my problem. I have made several requests over the past few months related to this problem. Answers I receive are always different. I feel totally helpless without recourse. Also my loans are broken into 19 distinct loans and I was given a total combined monthly payment which again is on autopay. I have paid the allotted amount given to me ; however some loans are being considered to have fewer payments counted than others. If I was in repayment for all of the loans, which I have always assumed I was because I receive one bill and not 19 separate bills, then why are some loans being counted and not others? No one at Fed Loan has been able to answer this question. Again, I get the same answer that my account will be sent " for detailed review '' but then nothing happens. Please please please help, I feel like I am screaming into a XXXX void, I have not idea what is going on with my loans and am totally at the mercy of this servicer who provides me no documentation of anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: MA
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:
In accordance with the Fair Credit Reporting act XXXX  Account : # XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S, C 1681 section 602 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the victim of identity theft. I have attached a signed and notarized FTC affidavit. The following accounts were not opened by me : 1 ) XXXX Acct # XXXX 2 ) XXXX Card Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 )  XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 )  XXXX XXXX Acct # XXXX 10 ) XXXX XXXX XXXX Acct # XXXX The following inquiries were not made by me related to these account or other attempts to open accounts : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2019-10-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
All 3 reporting companies are showing addresses, names, and work places that do not belong to me. I have corrected this over and over for the last 3 years. They have also put a closed account back on there from XXXX XXXX XXXX XXXX from XXXX that was fully paid off in XXXX after removing it in XX/XX/XXXX. This is RIDICULOUS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I initiated a transfer to my external banking account on XX/XX/2020. I've called multiple times to see when my transfer will be processed but I keep getting the run around. I was told it will take up to 5 days to process. I called on the fifth day and they told me the days did not include the weekends. I called again two days later and was told that the transfer would process later that day. It is now two days later and my money is still " processing ''. They have been holding my money for 9 days now!!! Including weekends! I have rent to pay and children to care for, that is ALL of my money! I need it XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: AZ
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:
Equifax needs to be put out of business. 

As critical as credit scores and credit history have become, I find it appalling that of all the things we can opt into or out of, we can not control to whom financial agencies report our credit history. 

Equifax has proven it can not safeguard our data and I for one do not want them to have my data any longer or to make any money from having my data.
I would like to see the CFPB propose legislation that mandates every company that reports financial information to any of the 3 credit bureaus give their customers the option to choose which bureau ( s ), if any, they are allowed to report our credit history to -- and that is before reporting anything to any credit bureau. 

With this power, all of us can opt out of allowing companies to send data to Equifax. With no new data coming in, Equifax will become history, as it justifiably needs to. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is about the Forecloser Sale of XXXX XXXX XXXX XXXX ca XXXX scheduled on XX/XX/XXXX. Regarding Loan Number # XXXX, from FCI lender Services, INC ( servicer ) and XXXX XXXX ( borrower ). 

The Junior Lienholder FCI Lender Services, INC has failed to meet any of the California Foreclosure Statutes : Cal. Civ. Code 2923.5, 2924 to 2924l ; Cal. Code of Civ. Pro. 580a through 580d.  California Homeowners Bill of Rights II, and Consumer Financial Protection Bureau XX/XX/XXXX regulations by never sending periodic billing statements, sending interest rate notices or requesting a meeting to discuss loan modifications, forbearance agreements or address any type of repayment programs. 
XXXX XXXX XXXX XXXX, XXXX and FCI Lender Services, INC has had no correspondence with XXXX XXXX for 13 and a half years. 

XXXX is seeking a sum of XXXX, consisting of an original sum of XXXX, loan fees plus interest. Loan Number # XXXX has never shown up on any credit reports or made any type of inquiry. 

FCI has failed to meet any early intervention requirements, continuity of contact requirements or has made any attempt of mitigation. 

The following Parties are involved in this transaction are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FCI Lender Services, INC, and XXXX XXXX. 

Please contact me in a timely manner via Telephone ( XXXX ) XXXX, by mail at XXXX XXXX XXXX, XXXX, Ca XXXX and by email at XXXX. 

Sincerely, XXXX XXXX Mitigation is the best option. I'm more than willing to work out a payment plan with said lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please refer to dispute XXXX I have disputed the status of this debt several times. The company failed to provide debt validation and will not answer the number listed on the complaint. I would like to know how this debt was validated. I discovered the company on my credit report and my attorney included them in bankruptcy before we verifying whom the original creditors were. I filed bankruptcy on XX/XX/2017. After notifying the company with the 1st complaint I would like for you to know they have continued to label the debt as a collection account. They are refusing to update the status even with the provided documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I transferred {$750.00} on XXXX to a supposed XXXX home owner. I went Through the website XXXX to book this vacation rental for the weekend of XXXX of XX/XX/2019. I was emailing back and forth with him and he said the was going to send the rental key in the mail on XX/XX/2019. Days after the money transfer I was informed by the supposed home owner that my money was spent well and I then realized I was scammed. I contacted XXXX and my bank ( citizens bank ) and were unsuccessful I was told to reach out to the consumer financial protection bureau. Im at a loss out of options and need my money back please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am the CO- SIGNER on the lease through GM Financial. The customer of the lease on more than one occasion has not paid her lease on time or in full and quite often owes late fees and other overages. I had contacted GM Financial since they are the owner of the vehicle asking that I also be notified of any late payments right away so that I can remedy the situation, but to no avail. I called them on XX/XX/2018 on or around XXXX XXXX  to ask them again why they are waiting almost two to three months before notifying me of late or overdue payments. They clearly stated that the co- signer of the lease doesn't receive any type of notification at all and that's it's my job to check up on it. However, the said lease would NOT have happened AT ALL without the co-signer. I simply asked to be notified immediately so that I could remedy the subject situation, and they said, " Sorry we don't do that here. '' I asked for them to send me paperwork so that I could take over the payments of the vehicle and they said, '' We don't do that here. '' Yet, they OWN the vehicle. They refused to help me at all but said that they would gladly take a check from me for the overage payments. They told me that the co-signer isn't their customer and that they aren't concerned about my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CITIBANK, N.A.
State: CA
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 planned to take advantage of a balance transfer offer from CitiBank. I went online and chose the option for a check for a specific amount to be mailed to me. That check never arrived, but instead I was sent some blank balance transfer checks, so I used one. However, the check I deposited into my checking was returned by CitiBank, costing me {$19.00} for the NSF. I checked with Citibank and they had put a HOLD on the first check that they had cut for me ( the one I never received ) and for that reason the second check - the one that I deposited - was not honored. I questioned Citibank on the fairness of doing this and asked for a {$19.00} refund. Citibank stated it could not provide a refund, so that same day, XX/XX/XXXX, I requested they close my account and refund the overpayment. CitiBank did in fact closed the account the same day, but they are still sitting on my balance and refusing to pay. It was my understanding that I am to receive a check for an overpayment within 7 days of written request. It has been over seven days and still no word.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXXXXXX / {$1000.00} XXXX XXXX/ XXXX / {$0.00} XXXX XXXX XXXX/ XXXX / {$9100.00} XXXX  XXXXXXXX XXXX/ XXXX / {$440.00} XXXX XXXX / XXXX / {$2900.00} XXXX XXXX XXXX/ XXXX / {$530.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2019-10-13
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: Personal information incorrect

Complaint:
All XXXX reporting companies are showing addresses, names, and work places that do not belong to me. I have corrected this over and over for the last 3 years. They have also put a closed account back on there from XXXX XXXX XXXX XXXX from XXXX that was fully paid off in XXXX after removing it in XX/XX/XXXX. This is RIDICULOUS!!

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 2020-10-08
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I noticed and unfamiliar account on all 3 major credit bureaus and sent Accout Resolution Corp a certified request for validation letter ( Conf # XXXX ) advising I did not have enough info on the account and was unable to accurately identify the collection account as belonging to me. I was unable to receive any documents from the company. The company willfully and intentionly has disregarded my request to verify/validate this information as it is defined by law. Please remove this listing from all credit bureaus as it is inaccurate based on the lack of documentation provided by the company in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
All 3 reporting companies are showing addresses, names, and work places that do not belong to me. I have corrected this over and over for the last 3 years. They have also put a closed account back on there from XXXX XXXX XXXX XXXX from XXXX that was fully paid off in XXXX after removing it in XX/XX/XXXX. This is RIDICULOUS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/18 I paid {$7.00} for a certified letter to Experian containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/18 I received confirmation that my certified packet was received by Experian. 
On XX/XX/18 I paid {$29.00} to my credit monitoring website, www.experian.com to refresh all three credit reports to review. I noticed that the two fraudulent accounts have Not been removed by Experian. 
According to The Fair Credit Reporting Act, Section 611, the Experian credit bureau has 30 days to investigate and remove the fraudulent account from the consumers credit report. 
It has not been over 90 days since I sent the original certified letters to Experian and the accounts have not been removed. 
I researched additionally ways to get help in fraudulent accounts and found the Consumer Finance Protection Bureau 's website to get assistance in removing items.

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 2018-12-31
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I sent a letter to XXXX XXXX requesting them to provide documentation associated with this account bearing my signature. Since I havent heard from them I mailed another letter requesting the same information and still no response. This isnt my debt ; the name they are reporting to the credit bureau isnt spelled correctly and the address they are reporting I havent resided there in over 20 years. Ive provided the credit bureau with a copy of my driver license, social security card, and an up-to-date utility bill to verify who I am. I dont recognize this company nor have I ever heard of them until they started to report this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Currently had more than 10 loans with XXXX. My school closed they where a scam i came into fedloan tried contacting them numerous times have submitted 3 loan discharge applications and they always say something is missing on my app. I have no information from XXXX university they were a private school who scammed the community all im looking is for a loan discharge they put me on a repayment plan. I have tried to apply at a XXXX  college and i have to start going to school again start fresh because the school i recently went to was not accredited. I want fedloan to discharge my loans currently they have me on a repayment plan and although my due monthly is XXXX dollars i am scared that it can go up. I received a letter to renew otherwise i will have to pay XXXX a month their interest rate is ridiculous plus all the forms i submitt they keep deniying and the interest has been accumulating for the past 2 years to almoat 6000 dollars. When you contact department of education they say you have to go thru fedloan servicing in order for them to accept forms i have been trying this since laat year and i keep getting the run around from fedloan i think their service is a scam because they know the school i went to is closed plus they lied to their students and they keep deniying all my request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
At random, my husband was contacted about student loans from 2005. Allegedly, these are loans that are given to them by the Attorney General to collect on and that they will seize our tax returns and garnish wages unless we agree to some sort of consolidation loan. A representative from XXXX XXXX XXXX XXXX continues to contact us for a student loan that was not used. University of XXXX has no record of it being outstanding.

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 2019-10-13
Company: EQUIFAX, 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 am writing to dispute the following information in my file. These items are inaccurate because my name is misspelled and unknown addresses are on my file. I am requesting that the items be deleted to correct the information. My collections accounts are reporting that I owe {$2400.00}. My student loans accounts are reporting that I owe {$47000.00}. My auto loan is reporting that I owe {$12000.00}. All these accounts are showing past due and totaling up to {$61000.00} for 20 accounts on my credit report. I've investigated the errors, submitted several disputes online with documentation, and now I'm reporting this to Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation