BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am on Social Security XXXX because of an XXXX and I am supported by the Massachusetts Department of XXXX. ( I can supply more detail about my XXXX as needed ; suffice it to say XXXX. ) My father is helping me with this letter because he is my Representative Payee. This complaint is against the Bank of Santander. On XXXX XXXX, 2016 I deposited a {$2300.00} check made out to me from XXXX ( attached ) in my account at Santander Bank.. During the days that immediately followed I used my debit card from this account and incurred charges of {$2100.00} ( {$1500.00} at XXXX ALONE ) all before the check from XXXX was reported as fictitious on XXXX XXXX. I thought I had money in my account and I thought I had the type of account which could never be overdrawn. On XXXX XXXX, 2016 I went with the financial adviser provided to me through the Massachusetts Department of XXXX XXXX to meet with Bank of Santander officials in XXXX, MA near my house. They referred us to the OVERDRAFT RECOVERY DEPARTMENT where we were told that, regardless of whether the check I deposited was fraudulent, I needed to pay the entire balance of {$1900.00} by the 35th day of the account being in the negative ( We believe that date is XXXX XXXX. ) or they would turn the matter over to XXXX and I would not be able to open any account with any bank in the United States for 5 years! NO GRADUAL REPAYMENT WOULD BE CONSIDERED even though I am an adult who is unemployed and indigent and on XXXX, and my parents are around XXXX years old. On XXXX XXXX, to show good faith, my father deposited {$400.00} in my account at the Bank of Santander. On XXXX XXXX I, again with XXXX XXXX my state-funded financial adviser, returned to the local branch of the Bank of Santander. This time the Personal Banker Representative and the Branch Manager went out of their way to be helpful. Because they were " concerned that my account was compromised '' due to the deposit of the fraudulent check, they closed my account and issued me a new checking and savings account. BUT, incredibly, on XXXX XXXX I got a call to return to the Bank of Santander to get my deposits back as the Bank of Santander reversed itself and now told me they could not open the new accounts as I had one in arrears. I have not been able to sleep since this happened. On XXXX XXXX, my father, acting as my Rep Payee, submitted claim number XXXX to the federal Consumer Financial Protection Bureau but on XXXX XXXX he learned by phone from CFPB staff that the Bank of Santander refused to consider the complaint because I needed to submit the claim myself. So, my father is helping me to submit the claim again ; this time directly from 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 2017-10-08
Company: EQUIFAX, 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:
Equifax fails to indemify identity theft accounts by placing a block on those accounts in accordance to the FCRA section 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FIRST NATIONAL COLLECTION BUREAU sent me a debt collection notice dated XXXX XXXX, 2005, stating that I have a delinquent account related to XXXX. I have not had a XXXX account, and asked them for debt verification, including, but not limited to : Services Contract, documentation of where, where, and how the account was established. They responded by sending me a XXXX statement that is not mine, stating that this is validation of this debt. This is not correct, and I want to know all details of this account from alleged start to alleged finish.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Guidiville Indian Rancheria
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a payday loan of XXXX. The XXXX thing they did was charge my payment on the wrong day then add those fees, the XXXX thing was they did n't take the whole payment but started charging me every month at 1140 % .Then I refinanced, but they tricked me and I had to pay more to pay off my existing loanand get a new one! Not what I was told!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
{$1.00} amount I want to ask for help so I can claim the remaining money in the discover savings account that has been closed without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: GA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Wilson, Riley & Associates
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
i have received several threatening calls from this # telling me im facing fraud charges and i have nothing in my credit report with this information. ive asked for documents proving they are a legit company and i get threatened with a court summons

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. XXXX XXXX and XXXX have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by LVNV FUNDING, INC. One is for {$390.00} with original creditor listed as XXXX XXXX The other one reported by LVNV FUNDING, INC. is for {$4300.00} with original creditor listed as XXXX XXXX. I never received any form of documentation from the original creditor or LVNV FUNDING, INC. to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XXXX XXXX to XXXX XXXX, in my maiden name of XXXX XXXX, which I have not gone by in almost XXXX  years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with LVNV FUNDING, INC. I have never done business with LVNV FUNDING, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My loan is in default and a debt collection agency named Conserve took over the account. They added a XXXX wage attachment to my payroll check, and each year my federal and state tax is offset and is applied to the student loan. So far, conserve has collected XXXX, for the defaulted student loan. They agreed to put me in a rehabilitation program by allowing me to make 9 voluntarily payments of {$69.00}. After I made the 9 payments they told me I needed to pay {$91.00} instead. I was perplexed, because they took the payments out of my credit card with my permission and they are receiving {$380.00} a month out of my pay check. So now they have not allowed me to get into the rehabilitation program after they broke our contract. I called Higher Education in XXXX. and they explained that my account is now with the debt collection agency Conserve and they can not help me. Also I borrowed {$16000.00}, of XXXX Loans and paid back {$15000.00}, and Conserve is telling me I still owe them {$19000.00}. How can I owe back {$34000.00} off of a XXXX Loan for {$16000.00}. Please help me with this matter I think I am being over charged and defrauded by the debt collection agency Conserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Van Ru Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a threatening letter from a Van Ru Credit Corporation about a {$20.00} balance towards XXXX XXXX XXXX XXXX. We have no debt with this company as far as I can tell with research, and have no outstanding balances with any of our medical practitioners. Normally, XXXX XXXX will send us a paper bill within 30 days of any appointment, but we have not had a XXXX ( local hospital group XXXX related appointment for nearly a year now. Additionally, when they send us a bill, it is always on the exact same form. This is a company I have never heard of, and in highly questionable font and format. Because we take extraordinary care to monitor our credit score, seeing this XXXX confused and upset me. I do n't recall having even a 'first ' notice on any {$20.00} debt to XXXX XXXX XXXX much less ignoring something long enough to require debt collection. Also ... {$20.00}? What an odd amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Got a payday loan approximately 2 years ago. Could not pay, due to job loss. Have been harassing ever since. Constant phone calls, calling my co workers and job, telling them they were from the procecuters office, saying they were going to come to my work, saying my boss better be with me, all kinds of nonsense. Calling people I never even gave a phone number for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Stuart-Lippman and Associates, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a renter in a condo complex. Starting around XX/XX/XXXX there was some kind of back up in the main pipe line under the building. After my owners plumbers could not fix the issue from my side of the unit it was eventually fixed by my adjacent neighbor 's plumber 's company in his own unit. Since all four units connect to this one main line both plumbers established no one could be made at fault, due to the fact it would always back up where all these pipes meet. To my knowledge that was the last of the incident. 

Around four months later on XX/XX/XXXX I get a call from Stuart-Lippman and Associates saying that I owe XXXX XXXX over {$3000.00} due to this event. They brought up the fact that I didnt have renters insurance at the time, but knowing the insurance industry I know that renters insurance only covers personal property anyways. It has nothing to do with another persons dwelling unless you are purposefully caused damage. My main issues are being that they seem to be violating multiple FDCPA violations. 

First off, I have never seen any written proof of this debt [ 15 USC 1692g ] 809 ( a ). XXXX XXXX has never even contacted me about this issue, so to me it looks like they are trying to collect on a debt that they know isnt valid. The second issue is that they refuse to validate the debt. The incident was never determined to be at my fault, not even XXXX XXXX contacted to me to establish a liability issue. Yet Stuart-Lippmann keeps telling me it was my fault for the incident and that I need to pay them which makes me think they are lying. When asking them to verify this debt the collector simply ignored me and tells me thats not what I heard, and they still are trying to collect [ 15 USC 1692g ] 809 ( b ). Basically they are trying to collect on a debt they have not verified, and refuse to verify. 

The collectors information : Stuart-Lippman and Associates ( XXXX ) XXXX XXXX, Arizona XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My student loan that was taken out with XXXX was being paid by my mother. In XXXXX  of XXXX my mother was diagnosed with XXXX XXXX. With that diagnosis, she underwent a XXXX XXXX and is now during XXXX. In the midst of all the heart ache and worry about my mother, I was not thinking about my student loan with XXXX not being paid. When I called the company to explain to them what happened, not only did I not even get any sympathy from the representative, but there was absolutely no consideration made due to the circumstances stated. I have paid little amounts monthly due to not being able to pay the full amount. I have called numerous times to attempt to lower these payments and has been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: First National Collection Bureau, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First National Collection Bureau, is attempting to collect on a bill that is 10 years old. I complained to XXXX last year about they could not try to collect on a debt over 7 years old and they agreed and they said they would not attempt to collect on it anymore. Now i receive a collection letter from First National Collection Bureau, trying to collect for XXXX and they know they ca n't make a consumer pay after 7 years but they are still trying to collect anyway. I have a letter from XXXX stating they will no longer collect because its past the 7 years, and they said their is a statue of limitations. If the consumer is suppose to follow the status of limitations rule, then show should collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
During the baseball playoffs I came to see an advertisement from XXXX. At the beginning of the broadcast the main message was get a personal loan from us and be on your way out of debt. Now at XXXX pacific time its just a student loans. They are misleading, and are only available to the privilege ones. I was turned down by them but I was re-directed to a different company, I fallowed and after that I was sent to a different company ( recommended ) and from there was link to a different company, in short, I was not able to get anything/ anywhere, yet my credit score dropped cause of all their suggestions. Time to make things clear, separate the people ... look forward to hear from you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My son 's student loans were referred by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) toXXXX Services of XXXX, New York for collection. I wrote ConServe on XXXX/XXXX/XX/XX/XXXX requesting copies for balance sheets for the XXXX loans, showing how the payments I had made for several years had been credited. On XXXX/XXXX/XX/XX/XXXX, they responded with statements of the totals owed for the XXXX laons, but not the breakdown of payments that I had made. I wrote them on XXXX/XXXXXX/XX/XXXX again requesting balance sheets for each loan, so I could ascertain how the payments that I made had been applied. I received no response from them. On XXXX/XXXX/XX/XX/XXXX my son receioved notification that his federal tax refund of over {$1000.00} had been offset at the request of XXXX. On XXXX he received notification that the same XXXX loansad been referred to XXXX XXXX XXXX for collection. I wrote XXXX on XXXX/XXXX/XX/XX/XXXX disputing the debt, and requesting the same information that I previously requester from ConServe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Experian Information Solutions Inc.
State: IN
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:
there are accounts and inquiries that dont belong to me they said they were to be removed due to fraud and they put a fraud alert on my file but these accounts are still on my 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 non-monetary relief
Consumer complaint received 2016-02-21
Company: Lloyd & McDaniel, PLC
State: IN
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX lease car returned XXXX. Third party inspection @ XXXX of XXXX dealership noted returned vehicle passing total condition compliance with noting no damage. XXXX representative informed me that my balance was {$0.00}. That day, I purchased a new lease through XXXX 's sister company, XXXX XXXX, at same dealership. Today, XXXX, I am the primary signer on a new XXXX vehicle purchased at same dealership, with top-bid approval incentives for financing through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: P&L Acquisitions LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a threatening letter stating I would be sued if I did n't pay on?? Something I do n't know. Never have received anything from this company before. Do n't understand the threatening letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I just received a response to my dispute from Equifax and they are only telling me that they have previously " investigated '' the XXXX items tat are CLEARY outdated and INOCRRECTLY reproting to my credit repot and I have asked them to do the right thing and remove them already, as i have been arguing with them via phone and through letters for nearly a year now. They can not report XXXX and XXXX XXXX XXXX XXXX any longer because of the statue of limitation which has expired on both. They are also reporting very incorrect information within these accounts that are damaging my financial life. Please have them remove these XXXX account. They have NOT provided me any papers, proof or any legible reasons as to why and how they are still affectively reporting these illegal accounts to my credit report. I am not stupid and I am not naive, so they need to stop treating me that way. I can not allow this to continue, I am so tired of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
We had a credit lock put on our equifax credit report after a fraud incident. We paid a fee for this service. We cancelled this service a few months ago. When we tried to refinance our mortgage we were told there was still a lock on the account. We called equifax and they charged us a fee to take the lock off. It was still locked and we called them again and they charged us another fee. The account was still locked. They then said they needed a fax of our drivers license and Social Security card. We faxed and have a confirm but they are claiming the either did not receive it or it was illegible, they do not know which. We need to get this lock of the credit report to be able to complete the mortgage refinance process but Equifax seems incapable of staing what we need to do to have a lock we paid for to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
ALL XXXX AGENCIES GIVING ME THE RUN AROUND SO THAT ILL EITHER PAY FOR MY FREE REPORT OR USE THE POSTAL SERVICE SO THAT I MAY NOT PROCEED WITH MY DISPUTES ON MY REPORTS..XXXX ARE SAYING I HAVE ALREADY RECEIVED MY FREE REPORT WHILE ANOTHER ASKS SECURITY QUESTIONS THAT ARENT CORRECT AND WHEN I ANSWER " NONE OF THE ABOVE '' IT SAYS TO MAIL IN ALL TYPES OF VERIFIABLE ID..IN HOPES I WONT PERSUE IT..

Company response to consumer: Closed with explanation