BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: Equitable Acceptance Corp
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX, I was contacted by XXXX XXXX, XXXX to consolidate my student loans and lower my monthly payments. They assured me they were a legitimate company representing students and acted as a liaison for the Federal Student Aid. Once agreed to their services, XXXX XXXX prepared a contract and a fee of {$1300.00}. Because I could not afford to make this payment upfront, they enrolled me into a payment plan with Equitable Acceptance Corporation of {$39.00} monthly. I began making payments on XX/XX/XXXX of a monthly fee of XXXX that would go towards maintaining my student loan consolidation and their services. In addition to payments for Equitable Acceptance, I also was paying a direct amount of $ XXXX/month towards my federal student aid account. I have been paying Equitable Acceptance since XX/XX/XXXX. 

As of recent,XX/XX/XXXX, it was time to renew my information based on the income-driven repayment plan and to keep my loan amount affordable. As I spoke with a representative of Federal Student Aid, they informed me that the third party ( XXXX XXXX and Equitable Acceptance ) were not legal practices. They informed me to submit a claim onto The CFPB website. In addition, I was informed to cease any authorized automatic debit payments from my account. I contacted my bank immediately to stop payments. 

I have supporting documents under attached files from XXXX XXXX, XXXX and Equitable Acceptance. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/2022, Equifax I have obtained my credit report from XXXX. Equifax is not reporting the collection companies name. The original creditors name is not spelled out. The name is in initials. How am I suppose to know who these companies are if there names are not spelled out correctly? I attached a screen shot from XXXX XXXX XXXX XXXX XXXX XXXX did not notify me at my current or previous address about this debt. Which is a violation of the FCRA and FDCPA 15 U.S code 1692g. A debt collector must notify a consumer at the ADDRESS of the debt. I was not notified at my present or previous address. Please check previous addresses that XXXX XXXX XXXX XXXX  has listed. Thank you for you help Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I applied for a payday loan and the loan was denied. I am not sure what kind of loan it was because I never received any documentation explaining what I was applying for. The person told me that they needed to keep a copy of my voided check even though the loan was denied. I am really concerned that they would keep my account and routing information. I was told that this was due to a federal regulation. Is this true? Ive had friends who have had their identities stolen this way as well as have had people take money from their bank accounts. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge appeared on XX/XX/XXXX on my statement for {$220.00} from a company called XXXX. They are a delicatessen near where I work where I often get a salad and soup for lunch. They are a high volume place around lunchtime and just cycle you through without giving a receipt. They just take your card and run it. 

When I saw the charge I informed Citibank that the charge was incorrect. They deigned my dispute because : " We have reviewed the information you provided regarding your dispute. 
Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. '' By that standard, I would still be responsible if they had input {$22000.00} instead. I can't prove a negative. The merchant, however does have a cash register record and could see if a {$220.00} charge occurred or not. They won't even contact the merchant to see if they dispute the charge.

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 2022-03-13
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were declined for a refinance on a mortgage. We received a loan package as if we were approved but didnt know we were declined until we tried to submit our documents. Our loan officer never reached out to us during this process and we feel there were discriminatory practices during our application process. We dispute the reason for the decline including foreclosure and judgements. We have none because we had a XXXX  XXXX bankruptcy that was discharged in XXXX and also our mortgage payments were made to Wells Fargo at this time. We feel that we were declined due to redlining and no one from Wells Fargo assisted us during the application process. We would like to have someone explain to us how a XXXX couple with a high six figure income can rejected due to reasons that appear to be inaccurate and discriminatory

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 2017-12-27
Company: AUDIT SYSTEMS,INC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
received collection letter from Audit Systems Inc. on XXXX/XXXX/XXXX stating balance due of {$1100.00} from a check dated XXXX/XXXX/XXXX to XXXX XXXX XXXX. 
This check was processed and recorded by XXXX. 
Sent returned letter to Audit Systems demanding they cease collections efforts and that the account was paid on time. 
no response from Audit Systems

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient continues to provide me with terrible customer service. Their website is never accurate with payments due, so several times i have " underpaid '' according to them and continue to get penalized for mal informed data. Additionally, i have on more than one occasion put in requests for calls to be investigated by their representatives which has never been followed up on. They only ever offer me interest only payments which i have been on for 5 years meaning there has been no dent in the principal balance which is {$100000.00}. In XXXX XXXX, i was placed on an interest only plan for a few months and they literally changed the amount everytime i called. In XXXX XXXX, i lost my job and was unemployed and they literally were unable to significantly lower my payments or offer me any valuable solution. Since XXXX XXXX i have been in dispute with them over a representative call in which a rep advised me of a payment due and apparently misallocated the loan payment which magically left 1 loan delinquent. I asked for the call to be investigated and based on the new reps answer it was not and the manager wouldnt get on the phone with me. Their website isnt accurate, their reps constantly provide me with incorrect information. Everything about them is fraudulent and i am considering taking legal action because it is unethical and illegal for a company to defraud millions of student debt holders including myself. And nothing has changed or been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named WAKEFIELD & ASSOCIATES showed on my XXXX credit report on XX/XX/22. They claim that XXXX XXXX XXXX XXXX was the original creditor when I have not heard of them either. The balance they claim I owe is {$1200.00}. 

I have never heard of XXXX XXXX XXXX XXXX nor have done business with them. Aside from this complaint, I have also reported this activity to experian. 

After some research I learned that both companies are the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivable Management Systems sent me a statement saying that I owe XXXX XXXX XXXX but I do not. I have a XXXX  dollar balance with 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 2020-10-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. My mortgage was transferred by XXXX to Rushmore Loan Services for no obvious reason. My Rushmore loan account number is XXXX. One : It has been XXXX  ever since. Rushmore has REFUSED to provide me a COMPLETE amortization schedule covering the life term of the loan from 2018 to the end despite all my requests. Twice they sent an incomplete amortization schedule feigning ignorance. Two : Rushmore has REFUSED to adhere to the stipulated amount in the amortization schedule. I wrote them twice to stick to the amortization schedule but to no avail. They believe in arbitrariness since they wrote me that the amortization schedule was ONLY a guide. They took ALL my first payment as their interest with zero credited to my principal. I did NOT engage their services. All pleas for explanation fell on deaf ears. Contrary to their amortization schedule for a loan balance of {$47000.00} their stipulated interest is about {$200.00} but this XXXX they have decided to collect about {$300.00} as interest. I have lost about {$2000.00} to their unwary antics and unscrupulous means. Three : since the inception of my loan with XXXX and then XXXX  I have been handling my XXXX XXXX Property tax and AliefISD tax by myself but Rushmore decided to add it to my Escrow account. I wrote them thrice to leave it out but they have chosen to ignore me. Now my fixed monthly payment of {$540.00} is being disrupted because Rushmore has refused to follow simple instruction. My fixed monthly payment of {$540.00} is being diverted to a suspense account with a contrived late payment charge of {$15.00} and even letter of threats to report me to the credit agencies. They have deducted about {$30.00} late payment penalty for this. Your assistance or intervention is urgently needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am requesting this matter be resolved by XXXX XXXX at AmeriHome as she was previously working on my previous complaint. This complaint is directly related to my previous complaint, involving AmeriHome Mortgage case number : XXXX. 

I have and continue to pay my AmeriHome Mortgage loan on time, under the loan modification trial terms as agreed, yet AmeriHome has now erroneously reported that I have missed payments with regards to my loan and has reported these errors on my credit profile. 

This is hugely disappointing given that I previously thought this matter was resolved by XXXX XXXX at AmeriHome Mortgage, but now these issues are continuing in violation of the law under the CARES Act and COVID-19 Forbearance that is in place to protect consumers from this very thing from happening. 

I am requesting this matter be resolved immediately, and the erroneous late payments be immediately removed from my credit profile as they are not accurate and invalid. This matter is now putting in jeopardy my application for a HELOC that I recently applied for and must be dealt with immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Paradigm Assets, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was notified via us mail that a lien had been placed against my property. 
Upon searching court records I discovered that the law offices had filed suit using an address I have not lived at since XX/XX/XXXX. I have previously dealt with this Collections company And they were fully aware of my current address but chose to use my old address so that I wouldnt get notified of the court case and they could proceed because I wouldnt get notified. 
I have written correspondence from XX/XX/XXXX from their attorney dumont to my correct address from previous dealings with them in which they claimed they didnt know where I lived after a similar incident. 
There is retuned mail in this case because they used the wrong address and the mail got returned. The retuned mail is in the public record from the court. The retuned mail is proof that I never received notification of the judgement placed against me. 
I was never served at home or work and they fully knew this using the wrong address to file suit against me. Im asking the lien be removed and court case dismissed as they did not properly notify me of suit and there is retuned mail as well as incorrect addresses listed on the paperwork filed in the court cases. This company fully knew my correct address and chose to use the wrong one on purpose. 
They also tried to get a motion of default prematurely and the court denied it. They had to wait the full amount of time which just shows they knew they had the wrong address and wanted to get a judgement before I found out about it so they could collect knowing I wouldnt get notified. 
In later court paperwork they add my later address knowing that I wasnt living at the original address they served me at. They also knew I was not living at the additional address they added to the paperwork but wanted to get a motion of default to collect their money. The second address was for show by them to make it look like they attempted to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wrote a dispute letter to the third party company XXXX and to Transunion regarding this suppose debt however Transunion wrote me back stating that the updated my credit file. Transunion did not send me any documents stating that they verified this supposed debt with this third party company. How can they not investigate this suppose debt with this company and kept it on my credit file?

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 2021-10-26
Company: LD Holdings Group, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am asking for CFPB employees to assist in getting to the bottom of this wrong information that could lead to the stealing of my loan3 dated XXXX from XXXX  XXXX  and my property XXXX XXXX XXXX XXXX, mi XXXX. Under file number of XXXX XXXX dated XX/XX/XXXX. That there was some kind of business that hit my credit from loan depot ( not me ) and I believe it was scam XXXX XXXX XXXX came and ask me to move out in XX/XX/XXXX and possibly using my name and this action came up XX/XX/XXXX on my credit report. 

Shows an written authorization on XX/XX/XXXX taken place under XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ca XXXX XXXX XXXX. 

Please look into this because when I brought this up to XXXX XXXX attorney XXXX XXXX XXXX that this was his client using my name he did not deny it and just said he had nothing to do with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AES recently responded to a previous CFPB complaint about claiming they're under obligation to send correspondence through the mail for any loans going past due. If AES feels that what they're providing is the truth, then they should be sending all documentation highlighting where it says specifically that they are under 100 % obligation to send correspondence through the mail. If AES can not prove this, then they have no case and should be held under extreme scrutiny for Fraud. It's the same as if they were in a court of law and couldn't prove it, but claimed what they're saying is the truth. Until they prove what they're saying is true, it's honestly anyone 's word, and for all I know they could have been found guilty of committing perjury in the past. 

It's pretty obvious that AES is starting to build a very unwanted profile of themselves. All you have to do is read any one of the MANY potential suits/complaints below or active suits below. Any consumer who has loans through this company should never trust this company and question every move they make. Sorry to be so exposing, but AES trying to claim they're doing the right thing without providing proof that they aren't is an attempt for them to play devil 's advocate. 

https : //www.meyerwilson.com/AES-Student-Loans.aspx https : XXXX https : XXXX https : XXXX https : XXXX From XXXX ( if a company was so squeaky clean of any guilt, then you shouldn't have gotten a lawsuit filed against you to begin with, no? ) The lawsuit accused PHEAA of deceptive practices that caused public servants to lose benefits and financial assistance under two federal programs, including one that forgives student loans after about 10 years of public-service work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On or about XX/XX/2021 I sent a dispute to TransUnion LLC for money alleged owed to XXXX XXXX  XXXX in the amount of XXXX dollars as a charge off I have challenged the amount owed. And have requested all documents that may bear my signature or social security number. Thirty days later TransUnion failed to mark the item as disputed, or give the method of verification used to support the reporting of the inaccurate amount of XXXX dollars, On or about XX/XX/2021 I sent a second dispute notifying TransUnion LLC an explaining to TransUnion that I have still not received the method of verification and to no available conclusion no information has been provided to consumer. On XXXX XXXX I sent a third dispute letter and a copy of my counter claim to the civil suit with XXXX XXXX XXXX for Violation of the Fair Credit Reporting Act. XXXX XXXXk XXXX XXXX file initial civil suit around XX/XX/2021 ) Consumer filed a request for production with the Court and received a response from XXXX  XXXX XXXX that they would investigate the matter and produce all documents pertaining to my counterclaim. ( Also sent to TransUnion for it pacifically stated they had to investigate ). About XX/XX/2021 TransUnion still refused to give consumer method of verification or remove the inaccurate reporting of the XXXX off my credit report for TransUnion willful disregard of the FCRA. Consumer then sent a Notice of Cease and Desist of reporting the inaccurate information ; alleged amount owed for the reason that XXXX  XXXX XXXX pacifically stated they had to investigate my counterclaim to their civil case. To date XXXX XXXXXXXX XXXX has still not verified any request but has ask for an extension of time through the courts and TransUnion still has not verified any information they are reporting under this account. 
For these reason I turned to the Consumer Financial Protection Bureau after numerous attempts amongst both parties ( XXXX and TransUnion ) and neither one has accurately investigated or reported the information as it relates to FCRA and the Consumer.

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 2022-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I've sent multiple certified debt validation letters to this company CAPITAL ONE and to no avail did not recieve a response in regards to this alleged debt on my credit profile. 

Therefore, I have no choice but to file a CFPB complaint as they have failed to due their due diligence in regards to this matter. 

I've attached the most recent certified letter that was sent to this debt collection company.

Company response to consumer: Closed with explanation