BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
Company: AES/PHEAA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AES - American Education Services The federal loans I received in college were set up by the universities ( XXXX ) from XXXX. I am not sure how the paperwork was done or what I signed I was given no help by my parents at the time. After graduating and deferment was over, I was told I had to consolidate my loans to lock in a good interest rate in 2006. I was asked how much I could afford by AES, told it was my only option. I was locked into a predatory loan with astronomical rates and then they tried to steal away another 1 % percent that I fought and won over when they messed up the consolidation payment due times. 

Over the years I 've paid this loan of {$26000.00} - never late. I now see in my account it says I 've paid over {$40000.00} in principal and {$16000.00} in interest. These numbers do n't add up, in reality, I 've paid close to {$30000.00} out of pocket with {$15000.00} in principal still due and around {$10000.00} in interest due if I run out my full term. In total I will pay almost double over the life of the loan - hardly the great deal I was sold on in my XXXX. 

I would like to blow the whistle on these deceptive banking practices and would like you to look into what is going on here. 

I have asked to speak to someone at AES about a payment modification due to the predatory nature of the loans setup by both the school and them the lender, they said they have no modification department or anyone to talk to about this. They can not explain why the numbers do n't add up other than it is n't explained correctly on their website. 

Why this is predatory - As far as I knew I was borrowing from a State agency funded by the fed- I thought this was a non-profit school program with my best interests in mind - not a company profiting ( like shooting fish in a barrel ) from un-knowing borrowers. 

I 've tried refinancing outside of AES, and no company could help me refinance, as everyone I called, would only refinance private student loans ; and this is considered as federal loans through a private company. 

There are literally thousands of complaints online about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The way this bank clears transactions is extremely shady. Although all my transactions are posted on my ledger, the account balance is not accurate. On Monday XX/XX/2017, my account balance kept jumping from {$98.00} to {$140.00} and back down to {$98.00}. I 've mentioned to them in the past that their banking practices are dishonest and sometimes lead to me over drafting but they told me they can not control this, which is odd to me. On the day in question, they are having technical issues with their phones so I can not call. I reached out on XXXX and they did not address my issue with my account balance.

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 2019-10-15
Company: M&T BANK CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-10-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had been receiving phone calls from someone claiming to be with Wachovia, whom I used to bank with several years ago. I currently have an account with Wells Fargo. The person goes by the name XXXX, and he claims that there was a " soft close '' on my account and I still owe {$300.00} plus interest ( {$700.00} ). They had my last 4 digits of my social security number and had contacted my parents about the Civil Suit. The number I have is XXXX and the case number he gave me is XXXX. Is this a legitimate civil suit?

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 2017-07-31
Company: WELLS FARGO & COMPANY
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:
XX/XX/XXXX I was a victim of identity theft/ fraud. My payroll check was illegally forged and CASHED at a Wells Fargo Bank. I currently have an account with Wells Fargo Dealer Services and incurred a 30 day late on my credit XX/XX/XXXX due to the fraud that was committed against me IN XX/XX/XXXX, leaving me with no means to make my payment on time with Wells Fargo Dealer Services. The claim and investigation was opened with first bank ; I filled and notarized an Affidavit of Forged endorsement and sent copies to Wells Fargo Dealer Services credit reporting department as proof that I was a victim of fraud and identity theft ; not a negligent customer. I have lost more that XXXX points on my credit due to someone else 's actions that i have no control over. After showing proof Wells Fargo Customer service was rude and did not take the time to understand the seriousness of the matter. As the CFPB is to protect consumers and customers from identity theft and fraud, something needs to be done in this regard because my life is suffering from this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: EQUIFAX, INC.
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:
Ive attempted to dispute the fraudulent accounts with Equifax numerous times. Equifax has once deleted fraudulent accounts but have re-added them back to credit report. Ive provided two police reports reporting fraudulent accounts and Equifax refuses to remove negative fraudulent info. And Equifax wont force the merchants provide fraudulent information to provide proof of a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: NATIONWIDE ACCEPTANCE LLC
State: IL
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:
On XX/XX/XXXX my account was charged off and it was also charged off last year in XXXX and also every month of this year. I made payments caught up and was current as of XX/XX/XXXX NationWide CAC LLC never reported my payments to the credit bureau I found out XX/XX/XXXX that they were reported my credit as a charge off and my credit score continuously dropped every month so I stopped paying and now theyre still charging my account as Charge off and saying I owe more than what I owed from the last Payment which was made in XX/XX/XXXX I need help please and thank you.

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 2021-07-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI
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:
XXXX XXXX  tried to tell me the there was a debt from a credit card that i owed and that they will sue me and take me to court if i dont resolve it asap. they told me information that was wrong about my account and gave me wrong dates that did not apply to me. I have already made a payment arrangement with a debt collector that i know is ledgit and am working with them. they took my debit card information ( i have since cancelled it and got a new one ) and also put a stop payment on the account so they can not charge it. i reported it to the XXXX XXXX XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: I.C. System, Inc.
State: IA
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/2020 XXXX, XXXX, and XXXX XXXX; added a derogatory mark on my credit report from I.C. Systems. Upon further research, this account was transferred. I was never contacted by XXXX that I owed any debt or authorizing such. 
I.C. Systems never contacted me to dispute the validity of this account. There is no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the F.C.R Act. They have violated my rights as a consumer and I am requesting legal action to remove the account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
All three credit agency are refusing to send me my credit report do to they say they can not verify my idenity but if i go online fill.it all out they can verify my idenity do to questions i answer an wan na charge me by law im intitled to one free credit report once a year there refusing to send me my credit report saying do to my new address not being here long enough ive been in XXXX 3yrs there is no other address to giv them plus threes years before that i was XXXX XXXX XXXX my id dnt have this add.my bills are all electronic i believe some1 has used my idenity for a mortgage loan and a home equity loan while i was in prison someone scaming is gon na do what ive been doing to get my credit report i need to see whats in there so i can address it right away my names XXXX XXXX thank you.please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXXI went to the Credit Union located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Ive been dealing with the same person for over a year during this process of trying to Refinance my car loans. Today I went in for a follow up with XXXX XXXX which is who Ive been dealing with I was told to wait by the office representatives and someone would be with me shortly. I waited for about 7 min and then XXXX came from the back and said that he would get me signed in and be with me momentarily. After about 3 min another lady by the name of XXXX XXXX came up to me and said that she would be assisting me today. She asked me what exactly it was that I was trying to do today and I let her know that I had been dealing with XXXX XXXX and he knew exactly what was going on with my file and I was here for follow up. Instead of here having me work with XXXX XXXX she proceeded to ask me questions about what I was here to do. So I explained everything to her with absolute detail. Before she ran my credit I explained to her that I am a 100 % commission based employee and had only been on my Job for 1 year. She knew exactly what was on my credit before she pulled it because I told her before she put anything in the system. She ran my credit and denied my request because I was late on my car payment twice in XXXX. I asked for her Manager and she sent in XXXX which is the VP of the branch and she was extremely disrespectful. I would like to speak to someone Immediately concerning this situation. I am very disappointed with how I was treated this evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank Walmart closed my Walmart store card on XX/XX/2018 due to a return ACH payment from my bank. I called XXXX XXXX XXXX and was told that this was my second check returned within a year and it was automatically closed. I was told that I could dispute the decision only if I had documentation from my bank stating that it was the banks error. I have such documentation and I am submitting the letter to them. I thought I had previously sent in this information with my bank activity showing I had the funds to cover the payment but I still received a rejection to open my account back so I requested a more detailed letter from the bank and they sent it to me. The Walmart account should not be closed. It was a bank error and this should be re-opened

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 2018-10-01
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
my agent sent in her authorization with the ss info of both of us, and US Bank required HER ss number as well. She wrote it on the auth, and NOW they won't speak to her, they say they need her Company 's info, which is a bunch of nonsense. They are doing everything to foreclose on me and won't speak to my agent even though she's followed all the rules. We have an offer in and are attempting to get the foreclosure sale date postponed. The US Bank rep was XXXX XXXX # 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 2022-01-13
Company: EQUIFAX, INC.
State: KY
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:
I have sent XXXX multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & Desist also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  XXXX -  partial account number XXXX.  (Please see pages 8 and 9 of the attached credit report.)  I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account.  This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my credit report.  I have contacted the two bureaus to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The accounts below do not belong to me, I do not know whom they belong to, I have never done business with either of these companies. I have tried many times to have them remove this from all three credit reporting companies, and it has not been done, as of yet. This is stopping me from providing for my children and buying a home. 


XXXX XXXX XXXX  Account Opened XX/XX/19 Balance {$12000.00} Account # XXXX XXXX Account Opened XX/XX/19 {$760.00} Account # 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 2018-01-14
Company: Experian Information Solutions Inc.
State: AZ
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 previously deleted and permanently blocked the following fraudulent and unauthorized accounts between XX/XX/XXXX-XX/XX/XXXX from my XXXX credit report, now the accounts is back on my XXXX credit report : XXXX XXXX XXXX and XXXX XXXX. The accounts are fraudulent and unauthorized, and dont belong to me. XXXX previously deleted and permanently blocked the accounts from my XXXX  credit report.

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 2019-07-29
Company: Risecredit, LLC
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
In July 18, we borrowed 3500.00 from Rise Credit.  The company was suppose to contact me (XXXX XXXX) with details of loan. They have not obtain the signature and went ahead and deposited the money into my account. After paying between $400-$500 for 12 months. I tried contacting them (7-19) to see when loan was going to be paid off, and they said after paying almost $5000 nothing has been paid toward the balance  - due to it being a line of credit. We didnt ask for line of credit we asked for a small loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Mnet Financial Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX and XXXX of XXXX, I was a patient of XXXX  XXXX and XXXX. I had office visits and infusions both times. In XXXX two employees advised me via email and telephone that the Prolia Co-Pay program would pay the bill that was owed beyond what XXXX XXXX and I paid. In late XXXX of XXXX, I received a bill from aforementioned provider for {$1900.00}. I sent XXXX certified letters in XXXX and XXXX indicating that I was advised that the bill was satisfied. On XX/XX/XXXX a woman named XXXX called me at the billing managers direction responding to my certified mail and stated that I do not owe the bill. In XXXX, XXXX, I was contacted by mail and telephone that this had been referred to a collection agency and they were attempting to collect. I was not notified this was being referred to collection. On the contrary, I was told that I did not owe it. In fact, I discovered that they did not attempt to submit it to the co-pay program at all. My credit has been impeached and the providers practice will not provide me with a letter stating that the collection was in error. I paid this practice {$1500.00} for the bill that three employees said I did not owe. I was sending certified mail trying to determine status and they send it to collections. I now have a ding on my previously perfect credit report. I want it off there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My company has been working on this file since XXXX of this year. We have had to get in contact with HUD ourselves due to the ridiculous behavior of US Bank in attempting to delay this short sale. Originally, the property was overvalued and US Bank refused to acknowledge this even when the FHA Buyer had an appraisal with a much lower value. After getting in contact with HUD, we were finally able for a 3rd appraisal to be done on the property and the Foreclosure sale postponed and put on a hold. 

In addition, we requested a new CRM and Negotiator in hopes that they would move the file quicker. During the short sale process, XXXX XXXX has retired from her job due to pay cuts in Illinois. If she had not retired, she would be unable to collect pension for the many years she worked for the state. The pension takes up to six months to go through so she currently has no income. 

Our buyer has come up to {$80000.00} to exceed the 88 % net required by HUD. Since the value is at {$79000.00}, this puts us {$51.00} over the net. However, I received a message after hours on XX/XX/XXXX which was not seen until the morning of XX/XX/XXXX, that the file was declined by FHA. XXXX XXXX eventually returned my call and let me know that this file was declined because the Seller moved in with her husband 37 miles away. However, I am aware that a relocation of over 30 miles is an acceptable hardship for the FHA and US Bank. The reasoning why this file was denied with relocation as the original hardship and the new hardship of the Seller out of work is unfounded. 

It seems to me, that US Bank is wanting to foreclose on this property instead of trying to work with our client to settle the debt. They have done nothing but prolong the process and make every step along the way more difficult than it should be. I have reached out to my representatives at HUD multiple times with no response. I have also submitted a complaint to US Bank 's RMD Consumer Advocacy Center with no response.

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