BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: AES/PHEAA
State: AR
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 am reaching out with a concern about XXXX XXXX. I should be getting credit for making nearly 3 of the 10 required years of payments for the Federal Student Loan Forgiveness Program and am only being credited for 8 months! 

Furthermore I have been calling XXXX XXXX for 10 months to get a review and they will not complete one. I asked for a review in XX/XX/XXXX and XX/XX/XXXX that was not completed and then another one this fall. During this 10 month period, XXXX has continued to not count my ( qualifying ) income-based repayments toward the loan forgiveness program. 

I was starting to wonder what could possibly be happening with XXXX XXXX, so I did some research and learned that they were being sued ( before the DOJ intervened last month ) by the Massachusetts AG for this very issue and for never correcting the problem. This is financially a very scary prospect for me since I am not paying off my high interest-bearing loans assuming that I will receive the forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
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 status incorrect

Complaint:
I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
It's been 7 months and I've yet to receive resolution with Santander Consumer. After speaking to a cus. rep 7months ago regarding being incorrectly reported to the credit bureaus. Based on the recommendation the rep expressing tge amout to pay to avoid late fees and being reported to credit bureaus. My account has been reported late in a discrepancy amount of {$120.00} base on the recommendations of this rep. In speaking with two individuals from Santander Executive Escalations department NOTHING has been resolved. All Escalations has done but make promises to callback after going through the SAME..asking many questions, deflecting the fact that the original rep, mis-spoke regarding payment. However I will not be penalized for the rep 's mistake. I've asked for the call to be pulled, which happend, however more deflection comes from Executive Escalations.

This issue has caused me not to be able to refinance. Of which I was very very clear about NOT being reported to Credit Bureaus on the " initial call ''. The first Escalations Rep stated the protocol Santander would have to submit to have this late payment reversed!! .. alluding to it was to much of a hassel on their end to reverse. The second Escalations rep, stated he listed to the call, but when asked if the rep stated the payment would not be reported as late, he began to deflict and ask " which month are you speaking of ''?. ARE YOU SERIOUS THERE'S ONLY ONE!!!!! payment reported incorrectly!! I'm willing to have phone call subpoena if need be, as yhis is on-going with NO RESOLUTION ...

This is not the way to conduct business and reporting to " every '' entity to get a resolution is what my intentions would be. 

Remove this item from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: GA
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 THAT ARE LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2021-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In response to my complaint to CFPB about my mortgage company 's unfair attempt to foreclose my home, SPS responded and attached a letter that was never mailed to me and was not event uploaded on their website as other documents. This document was never discussed during all my calls to SPS. The forbearance plan was never mailed to me. I was asked in XX/XX/XXXX to apply for a reinstatement, despite this letter stating that the forbearance plan is up to XX/XX/XXXX. I requested to pay on the account to reinstate it, but they declined stating that they are currently reviewing the account. between XX/XX/XXXX and XX/XX/XXXX, SPS reviewed the account and in XX/XX/XXXX asked for a payment, same request in XX/XX/XXXX. Then in XX/XX/XXXX, SPS declined payment and requested for a full payment out of the blue. When I called to find out why the reinstatement plan was not mailed to me, SPS staff could not provide any explanation, however we both realize that this was during the peak of COVID lockdown and mails were either lost or delivered late.However SPS is not will ling to review tis error and correct the mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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:
I have three reps from XXXX XXXX XXXX said there are no fraud charges on my account and the recovery XXXX  said I did which three reps said recover miss gave XXXX XXXX inaccurate information and under THE FARE DEBTS COLLECTED ACT if find to be inaccurate it must be removed I would like it removed and if when someone listen to the tapes of my phone calls you will see my Evidence my phone XXXX I can supply date and times I called

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 2018-07-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the same error on my XXXX  credit report, and my Experian credit report. XXXX won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. XXXX  and Experian state that this account has been opened on XX/XX/2017.

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 2021-07-07
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: CA
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Bennett Law PLLC
State: CA
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:
I was contacted by a service and instructed to call XXXX XXXX XXXX about pending legal action. When I called, I was informed that I had been sent a letter about an old debt, and how would I like to handle the situation. As I had not received any letter, I was not aware as to what the law firm was talking about. They referenced a debt that was from a XXXX XXXX credit card, that I no longer have and is nowXXXX  years old. I was told that I would have to work out a payment plan or pay full amount. If I failed to act, legal proceedings would begin in XXXX XXXX, CO. 
The acct number on the letter they sent was not fully correct. This debt also does not, and has not shown up on any credit reporting check. The only place it showed up was from a credit check that was performed over 10 years ago, and showed as closed. 

I contacted XXXX to determine what the status of the debt was. The acct in question was closed in XX/XX/XXXX and the debt transferred to a company called XXXX. This debt was then later transferred in XX/XX/XXXX to a company called XXXX XXXX. XXXX is no longer in business. XXXX XXXX XXXX was only opened in XX/XX/XXXX. 
I have had the same email and cell phone number since XX/XX/XXXX, and have never been contacted about this until XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-07
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have regularly made payments monthly, and well above the minimum due. In some instances I have also made more than one payment. However, Citi states that because of a " penalty '' they raised by interest rate from roughly 16 % to 30 %? Even after proving through my statement that I made a {$500.00} payment on XX/XX/XXXX ( due date XXXX ) this caused penalty which raised my rate.

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 2021-07-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/28 I received an email from XXXX XXXX ( XXXX indicating I had a debt and they were going to proceed with legal action against me. 

I replied and said to stop any and all emails/phone calls and to please provide me with proof of debt by mail to my home address, which I provided. 

On XXXX, I received another email - copied below : Dear XXXX, The Fraudulent customers like you don't deserve any type of sympathy from the company side. 

Sent you lots of e-mails but you did not respond to any of our e-mails. 

You can't even imagine what legal consequences you will be facing you might lose your all money at once and your credit report will be thrashed your bank account will be frozen and your current Employer should also get notified, You might lose your job also. 
Now it's up to you to settle your case file outside the courthouse, else by tomorrow the case will be downloaded and you will be sent court summons to your postal address. 
We apologize for using these harsh languages but you have forced us to use these languages. 

If you cooperate with us we can resolve it out of the courthouse. 

Kindly get back to us ASAP. 


Best Regards. 

I again replied and told them to STOP ANY and ALL correspondence by email/phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: WELLS FARGO & COMPANY
State: VA
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 have been disputing an account XXXXWells Fargo that XXXX as on my credit report. This account does not belong to me. Ive requested for the last two years that XXXX send me proof that this is my debt but they still have not done so. XXXX XXXX does not handle my student loans. Ive spoken to a representative at XXXX/Wells Fargo which is now known as XXXX XXXX that informed me that I do not have an account with them. So which company is XXXX reaching out to, to attain there verification of this debt? According to the Fair credit report act, credit bureaus are to provide proof when a debt is listed as verified and XXXX as failed to do so.

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2021 I made an online purchase charged to my XXXX XXXX Card. My credit score dropped from XXXX to XXXX for no apparent reason. I attempted to " un-freeze '' my Transunion credit. Transunion would not unlock and does not reply to my email on file and locked my account, referring me to their online tech support. Tech support is for computer connectivity problems, not unlocking my account or unfreezing. I made an additional request, filling out all personal information Transunion requested to have access, to no reply or avail. Credit utilization 0 %, no missed payments, no new activity, XXXX current credit card balance, with over XXXX available credit.

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 2018-08-13
Company: American Coradius International LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
American Cordius International LLC claims I owe XXXX to XXXX, this account was closed with numerous overdraft fees charged which are in dispute, XXXX would not resolve them. The fees in question were charged after an item was returned, a check in the amount of XXXX from XXXX XXXX. XXXX XXXX placed a stop payment on the check in error, the item caused XXXX account to become overdrawn and fees charged. Stop payment is not my error, however, XXXX refused to credit fees back. Shortly after account was closed with overdrawn balance, a payment was mailed in form of cashiers check from XXXX XXXXXXXX XXXX to XXXX. It appears it was not received and do not have a copy of check to provide, the account it was drawn from is not mine. My bank is not local and had to use XXXX XXXX for payment, a friend used her account to get cashiers check. It appears XXXX did not receive check or possibly credited it to incorrect account, I do not know which occurred. I will not pay again, American Cordius International needs to remove account from collections as well as any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
cra violaton not mine or no knowledge of it XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2018-11-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been struggling to make my payments on this private student loan that I have with Navient. I had a co-signor and when I miss a payment they will repeatedly call the co-signor several times a day. She has received at least 1 call from them every day for over 60 days. The last time I spoke with Navient ( which was XX/XX/XXXX or XX/XX/XXXX ) I confirmed all my information and asked them to call me and not her, but they still call my co-signor relentlessly. Several times a day, but have not tried to contact me. I understand that i took the loan and I am responsible for it. But to call us continually, every day, several times a day is HARASSMENT!!!!

And should we discuss the fact that the people she and I have spoke with in the past seem to think they can be rude and disrespectful just because I am 1 or 2 months behind on my payment!!!! I am willing to submit any documents I have including and not limited to phone records showing the # of incoming calls my co-signor has received.

Seems Navient ( among other companies ) thinks they have the right to harass people just because 'we ' owe money.

I would appreciate a response to this complaint. I have been dealing with many financial and personal hardships since I took this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original loan was with Credit Acceptance and the amount was for {$11000.00}. The loan is now at {$22000.00} which is 50 % interest rate. The car was a lemon and told them we wanted to do a voluntary repossession. They never came to get it. They then sold the account to XXXX XXXX XXXX XXXX. They took us to court and won the judgement and a lien was put on our bank account and then emptied. Credit Acceptance is still reporting on my husbands and my credit reports when they sold the account. The original loan was opened XX/XX/XXXX. The judgement that XXXX XXXX received against us was XX/XX/XXXX. I want credit acceptance to be removed from our credit reports as the account holder. They just dropped our scores over XXXX points because they reported it as 180 days late, which was years ago, and added another {$100.00} to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
CAPITAL ONE ONCE AGAIN VIOLATED THE FCRA AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND HAS RAN MY CREDIT ON XXXX   111 TIMES AND IS FAILING TO REPORT TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Last month, on XX/XX/2018 I submitted my dispute for fraudulent closed accounts on my credit report. Unfortunately, those accounts have not been removed. 

Last week, I obtained my Identity theft report and submitted it with my dispute along with, FCRA section 605 ( b ), a copy of my credit report, and proof of identity. 

I still have not heard from the bureau regarding my dispute last month.

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