BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-06
Company: Ameritech Financial
State: PA
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 was contacted by Ameritech Financial via phone in XX/XX/XXXX. They claimed to be a company backed by the government to assist with persons who needed help paying their student loans. They stated that if I qualified their program would result in forgiveness of my debt by the United States government for my student loans. They asked me a series of questions that ultimately led to an approval to the program. My student loans are held by XXXX and Ameritech told me they would deal directly with XXXX for a foregiveness of my student loans and my payment would be XXXX dollars a month and would be paid to XXXX through Ameritech. I have been making automatic payments for twenty-eight months to the equivalent of {$2700.00}. I received a letter from the Federal Trade Commission dated XXXX, XXXX stating they have begun the process and have sued Ameritech Financial for deceptive practices. I contacted XXXX who told me they have not received any payments toward my student loans as of XXXX XXXX. As a result, I have to take steps to ensure Ameritech can no longer access my bank account and take back control of my student loans through my lender. This has cost me thousands of dollars in interest charges and 28 months of payments toward my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit  reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom it May Concern : XXXX is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from XXXX for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to XXXX from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX  ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX  provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX XXXX or XXXX. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of XXXX inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports 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 non-monetary relief
Consumer complaint received 2018-09-04
Company: ONLINE Information Services, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Online Information Services sent me a letter for an alleged debt I do not owe. When you speak with them they become evasive and hostile which is a flagrant violation of the Fair Debt Collection Practices Act. I have never heard of Online Information Services prior to their letter nor do I owe them any alleged debt. They flagrantly violate the Fair Debt Collection Practices Act with their hostile and evasive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2020, I received a Notice of Assignment, Sale or Transfer of Servicing and a welcome to Rushmore Loan Management Services. The letter also stated Rushmore 's attempt was to meet my loan with efficient, prompt, and courteous services. However as I stated to correspond with Rushmore Loan Management I discovered their services was of deceptive, false, and misleading information. In speaking with an employee of Rushmore. I was advised their company was a mortgage company. I informed the  employee on the phone that the paper work I recently received indicated they were not a mortgage company but a debt collection. The employee assured me their company was a mortgage company. Also the letter dated XX/XX/2020 never identified Rushmore of being a debt collector organization.. I find the whole letter dated XX/XX/2020 as misleading, confused wording, and false representation and vague information. After several e-mail communication about the servicer of my loan, I was mislead again. On or about XX/XX/2020 after I requested information about my current mortgage holder via e-mail. On XX/XX/2020, I received an incomplete, vague, misleading letter from Rushmore with information about XXXX XXXX XXXX   XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On or about XX/XX/2020 I requested specific and detailed information about XXXX XXXX XXXX. The information was denied because I never received the specific detailed information. On XX/XX/2020 I received a notice of assignment, sale or transfer of service right to XXXX XXXX with XXXX XXXX another new debt collector. My house is not in preforclosuer and each time a new debt collector has my loan the payment amount is different and another debt collector goes on my credit report. seeking

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One Credit Card Services. 

Monthly payments towards the account are not applied correctly. 

Account is closed to unfair practices by Capital One. 

Earnestly, proactive in paying account. 

Due to traveling and business some payments are sent with correct Statement Pay date and amount to be paid. More often amount is paid more than minimum amount due. 

Subsequently, I am penalized for making payments for more money and sending ahead of the actually due date! Time frame XX/XX/XXXX - XX/XX/XXXX. Checks verify the month payment is made for as well as online payments. 



Erroneous late charges applied to account. Reporting to credit bureaus erroneous 30 day later. 

Spoke to several " Supervisors " with no satisfaction. 

My conclusion is Capital One scams the consumer by placing extra payment on their statements and applying them to the wrong month, charging late fees. 

I have documentation for all concerned complaints. Account Summary for payments is generalized and is not applied to correct months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management has called me twice. 

Background : Im working with a company who settles debt. I signed up with them in 2019. My credit keeps jumping every month after taken a big dive in 2019. 

The debt they are trying to collect is a debt was sent to me via another credit collections agency, asking me to settle the debt for XXXX dollars. I sent that collection notice over to the company Im working with and they handled it being as the debt is showing on my credit report as settled. 

Not only is midland credit management trying to collect the debt for the settlement of XXXX dollars, they also threatened me by saying they have lawyers in my area willing to take action. They lied to me about not working with my current debt consolidation company, which they do because they have settled an XXXX account that I had, Once again this is showing as settled on my credit report. 

I also contacted my credit consolidation company about the matter and they stated that the debt has been settled.

Company response to consumer: Closed with non-monetary relief
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: Account information incorrect

Complaint:
I attempted to contact XXXX XXXX XXXX & XXXX XXXX XXXX XXXX since XX/XX/2018 and even sent a written correspondence requesting that they remove an inquiry that was reported on my Credit Report that I did not authorize. 

They informed me that they have no information on file for me. They told me they would have the inquiry removed and never removed it. 

I tried to reach out the all three credit bureaus ( XXXX, Equifax & XXXX ) and was told they will not remove any false or inaccurate inquiries and I would have to contact the " furnisher '' myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I sent a complaint regarding : It has come to my attention that lenders must be licensed by the State of Florida in order to offer loans to its residents. This company has no license in my state, the loan contract is not valid. 
On XX/XX/XXXX, I received {$600.00} from Big Picture Loans. To date, I have had 8 bi-weekly withdrawals of {$140.00} debited from my account. I have paid a total of {$870.00}, of that XXXX in interest and {$55.00} in principal. This is {$270.00} over what I was originally loaned and should more than satisfy my obligation to the company. I am no longer able to make any more payments to this company. 
On XX/XX/XXXX-The company responded telling me they were not subject to any state laws and : Our records indicate that your current balance is {$810.00}. This includes the Principal Amount of {$540.00} plus the Finance Charge of {$260.00}. Please review and assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Navient Solutions, LLC.
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:
Upon checking my Navient account through XXXX, I noticed student loan accounts in my name from the University XXXX XXXX, XXXX. 

I never attended the University XXXX XXXX XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX XXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXX XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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:
The Department of Education took my tax refund. My loan was in good standing and paid off on the credit bureau. However,. when the COVID 19 situation came about, the Department of Education refunded me my money. They said that they are not requesting any payments at this. The account will be active and good standing. Their voice recording also do not worry about making payments. Also, the Department of Education said they are accepting any payments at this time. They probably will not be accepting payments for a while. I looked on my credit it said that me acct is closed and not in good standing. How can this happen when the Department of Education said that my account should report in good standing, also I was not the one who requested a fund.

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 2020-06-30
Company: EQUIFAX, 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:
The Department of Education took my tax refund. My loan was in good standing and paid off on the credit bureau. However,. when the COVID 19 situation came about, the Department of Education refunded me my  money. They said that they are not requesting any payments at this. The account will be active and good standing. Their voice recording also do not worry about making payments. Also, the Department of Education said they are accepting any payments at this time. They probably will not be accepting payments for a while. I looked on my credit it said that me acct is closed and not in good standing. How can this happen when the Department of Education said that my account should report in good standing, also I was not the one who requested a fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX. Our accounts were levied by the IRS. It was supposed to held for 21 days per the IRS Code and the letters that Key Bank was served. We resolved the issue on the XXXX and they sent Key Bank the release. We called on the XXXX to see when we can expect the funds to be redeposited from the hold. At that time. They told us that the funds were gone. That they sent them to the IRS already. It was a mistake. Nobody knows where our funds are and nobody knows when we are getting them back. This is roughly 20k. Would love assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Campus Student Funding, LLC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My loan is through XXXX XXXX XXXX however in order to make payments you pay to XXXX XXXXXXXX XXXX. I am having trouble afford the minimum payments and the company will not lower payments, set up a better payment plan, nor change the due date. I contacted XXXX XXXX XXXX since they are the loan servicer, however you must leave a voicemail. For several weeks I have been contacting the company to see if they will extend my forbirence however I never receive a call back. I also emailed the XXXX XXXX XXXX however they have yet to contact me. My payment is due on the XXXX and Ive been trying to find a solution for my payment issue for weeks now without any help. XXXX XXXX XXXX says they can not help me at all and that if payment is late I will receive late fees, which Im trying to avoid. I have never missed one payment to this company so I dont have a deliquient account. If you can help me please contact me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle is leased through U.S. bank. It was involved in a hail storm and was damaged. I sent the insurance check to U.S. bank over a month ago and it has still not been sent to my bodyshop to cover the repairs. Everytime I call I get a different story. First they told me the check was sent back to me and I should receive it in 7-10 business days. After I didn't get the check I called back and they told me they sent it out on XXXX to my body shop. When I contacted my bodyshop, they said they had not gotten the check. When I called the 3rd time they told me they still had the check and needed a repair order that matched the ammount of the check. I asked if they could contact my bodyshop, they said no. I told them I would have my body shop contact them, they said that would not work either. They said I had to " FAX '' the invoice to them, I asked if I could email it to them and I was told that was not an option. I faxed the invoice to them on XXXX and included my account # ( XXXX ) so that they could notate the account and release the check. I contacted them today XXXX and they said the account doesn't show anything about receiving the fax. I was told they would look into it and contact me within XXXX. This has been dragging on for over a month and I need it taken care of. I don't see myself EVER leasing another vehicle, or doing ANY kind of business with U.S. Bank in the future. It's not like I'm trying to get them to send ME the check, I just want the bodyshop to be paid so I can pick up my truck. Attached is the fax confomation that was sent on XXXX to U.S. Bank

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 2022-12-17
Company: CITIBANK, N.A.
State: CA
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:
The credit card company has failed to assist me in a dispute regarding an unauthorized charge to my account and in doing so has continued collection efforts, reported missed payments to the credit bureau ( s ) and allowed my account balance to increase with the erroneous charges. Subsequently, my account has been closed. I have disputed the information with the credit bureau ( s ), and the credit card company updated and verified the fraudulent charges in dispute.

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 2021-01-22
Company: Self Financial Inc.
State: MA
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:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation