BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-02
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I went into default, I admit it. I have been spending the last 4 years paying thousands of dollars into " XXXX '' that were supposedly helping me get out of default and rehabilitate my loan. Every corporation buried me in forms to fill out and turn in, changes in due dates and amounts due, and endless runarounds. There was always an excuse as to why my consecutive monthly payments did n't qualify for rehabilitation. 
I recently parted ways with " XXXX '' for this very reason, and attempted to consolidate my loans with " FedLoan Servicing - A Department of Education Servicer ''. I submitted all of the necessary forms to consolidate all of my loans. They, in turn, consolidated XXXX of the XXXX I had requested, then attempted to start drowning me in required paperwork and forms. They sent me a notice in the mail stating I owed {$12.00} on XXXX XXXX. Upon attempting to pay said funds, my account online showed a {$0.00} balance due, and would not allow me to pay any extra. I am praying I do n't see them report a missed payment to the credit bureaus. 
I have been working feverishly for years trying to fix my credit, and right now my student loans are the only things preventing me from doing so. My loans are revolving in a world of default that I ca n't get them out of. Please offer as much assistance as possible, I would greatly appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/XXXX, XXXX  ( Department of Education Loan Servicing ) submitted an update letter to the three major credit reporting agencies : XXXX, XXXX, and TransUnion ; informing them to " REMOVE '' the XXXX XXXX XXXX XXXX being reported on my credit report. Over the past year, I have further, disputed this incorrect reporting with Equifax on XX/XX/XXXX ; TransUnion and XXXX  on XX/XX/XXXX, XXXX and to no avail, these loans continue to be reported by all three reporting agencies on my credit report as of XX/XX/XXXX. The company ( XXXX ) and I, have exhausted our legal remedies in regards to this incorrect reporting.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-09-06
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been denied twice for the XXXX XXXX XXXX XXXX Program. My servicer, FedLoan Servicing, claims I am not a " Full-Time '' employee of my employer, XXXX XXXX XXXX XXXX XXXX, in spite of the fact that my employer has twice certified I am a Full-Time Employee. Thus far, I have retained an attorney, who sent them a letter over 30 days ago, but they still have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I was offered a settlement offer since my loan was past the expiration date. A {$3000.00} dollar ( USD ) settlement offer was sent. I made a {$1500.00} payment on XX/XX/2022, and I made a second ( 2nd ) payment of {$1500.00} on XX/XX/2022. I am continually getting calls from Chrysler Capital ( 4-5 calls a day ). Some representatives have spoken that I would have a charged off balance and I could possibly see negative credit reporting due to not fulfilling the settlement agreement. I have requested from multiple representatives a zero balance letter since they have agreed that the balance has been paid in full on the settlement offer. I feel their behavior violates the UDAAP as well as the Fair Debt Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
FedLoan Servicing ONLY allows for payment via a bank account and insists on me providing them with my bank account and routing number. I have the full ability to pay back my loan and would like to pay, but DO NOT want to give out my bank account and routing number because I feel that is not a secure method of payment. I would feel safer paying online with my debit card as I am able to do with all of my other bills, but that is not an option with FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I was sold blinds by a representative that came to my home and offered financing through my macy credit card. The service is Macy 's XXXX. After several weeks of having this order on my credit card - and the rep telling me that they had a problem getting an installer out - the blinds were installed. The installer claimed he was " afraid '' to get on the ledge ( XXXX story vaulted ceiling ) which was XXXX apparent to him and the sales rep when they sold the blinds. He poked a hole in the ledge while he attempted to install them hanging from a ladder with no assistance. I complained about the hole and sent photo within 24 hrs. It took several weeks and the SAME installer came out - claimed he was waiting to install until he could find someone to help but never did. This took multiple phone calls to get to this point, all the while - the sales rep REFUSED to give me the name or contact of her direct supervisor. She just kept citing " customer service '' would be in touch. The blinds were over {$1000.00}. and it appears the replacement set was cut incorrectly as they are " short '' about XXXX inch. I have been sent to the original manufacturer of the blinds - " XXXX XXXX '' who acknowledged after being sent a photo of the replacement blinds that in fact - they did appear to be short and was offered {$75.00}. credit to go away. I refused citing I wanted the blinds that I paid for and she committed to have someone out within 3 days to see if there was anything that could be " done ''. I have called, emailed with NO RESPONSE. This was nearly 3 weeks ago. I feel that I was frauded as there was no disclosure that I would be dealing with a 3rd party company AND no disclosure there were issues with having someone to install. XXXX cites to me - they merely do not have anyone in my area to resolve this issue. The closest installer is XXXX miles away. This has been going on since when I placed the order in XXXX. I am contemplating a lawsuit as well - I want my money returned and off of my Macy 's charge as I am paying 25 % interest on 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 monetary relief
Consumer complaint received 2022-04-18
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: Investigation took more than 30 days

Complaint:
I have been a victim of identity theft and I have a lot of accounts on my report that do not belong to me and its taking the bureaus more than 30 days to remove the accounts. The accounts are not accurate and do not belong to me. No one is submitting this on my behalf. It is I, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Navient Solutions, LLC.
State: VA
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:
My XXXXXXXX XXXX ( Subsidized and Unsubsidized ) from my Undergraduate and Graduate degrees were consolidated by Navient into private loans ( XXXX ). The rationale they provided was that since the loans ( provided as a part of my financial aid packages ) were funded by private lenders prior to 2010, they do not qualify as department of Education loans, and are in fact private loans. 

This classification of my XXXX loans as private loans makes me ineligible for Public Service Student Loan Forgiveness for which I would qualify ( XXXX XXXX for over 20 years ). They will not reclassify the loans. 

I have no idea how to proceed to get my loans reclassified correctly. Navient, in their correspondence, is not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only Equifax. This has caused undue stress in trying to remove this inaccurate information. 

This information appears from XXXX and keeps reappearing with different payment dates, payment amounts, etc. 

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX and XXXX account # XXXX is in violation of my my rights, which states that negative and outdated information can not reappear after it is found to be not validated. 

15 USC 1681 section 602-A states that I have the right to privacy. 

15USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I did not provide a wet signature or permission for this account to be reported nor should they be reported form XXXX. Illinois consumer law prohibits reporting after 5 years. I demand that these accounts be removed from my credit reporting file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home was flooded on XX/XX/2016. i can not live in house, no toilets etc. I contacted Citi Mortgage, and ask for extension, these people have only harnessed me with letters.

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 2016-08-30
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other

Complaint:
For the last several days, I have been trying to pay my credit card account with Citibank. Each time I call, I am rerouted to a person or a voicemail that tells me that has blocked my payment. I have also requested an email so that I can correspond with Citibank, but none has been provided to me. 
I am concerned that Citibank is not allowing me to pay as I regularly do, so that it can seem like I am not making any good faith payments and so that it can appear that I am not paying anything on my account. 
I have reached out to Citibank several times to resolve my account and to formulate a payment plan. 
Additionally, recently, I reached out to Citibank as they stated that they wanted to work with me and offer a Hardship Program. The question from the Citibank representative was, " How much could I afford to pay each month? '' When I told him the amount, he counter offered an amount at double what I said I could afford to pay. I was completely baffled as to why the question would be posed to me and then completely ignored. 
I would like to get my account in good standing with Citibank and pay a reasonable amount that is affordable. I offered to pay XXXX per month. 
I hope that Citibank is not being retaliatory in any way since I reached out to The Financial Protection Bureau. It is my hope that Citibank will work with me, as I am doing my best to pay what I owe and as a first time request, re age my account.

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 2022-04-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been a victim of identity theft and I have a lot of accounts on my report that do not belong to me and its taking the bureaus more than 30 days to remove the accounts. The accounts are not accurate and do not belong to me. No one is submitting this on my behalf. It is I, 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 non-monetary relief
Consumer complaint received 2020-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my account online more than the minimum balance and this has occurred twice so far. I paid my balance before the due date in full and weeks later I am charged for interests. This has occurred twice so far and when I called to speak with customer service dept, I am told it was interests of unpaid balance. I informed them several times that I paid the balance in full prior to due date and I even selected that pay full balance way prior to the due date. I receive poor customer service and not only are the nasty and rude they do not listen nor understand how a calendar works. I wait on the phone for over 45 minutes every time and it has nothing to do with CoVid 19 or virus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I disputed information being reported on my credit report by AES ( Private Student Loan ) that claims I paid late back in XX/XX/2010. I requested proof that I paid late or for this negative inquiry to be deleted within XXXX Per the Fair Credit Reporting Act, and my request was ignored. Please see that AES complies with my request and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had a student loan with National Collegiate Student fro XXXX. I was unemployed and unable to pay them. I tried to get the loan deffered but the company gave me the run around to who was managing the loan. Two different agencies filed adjustment against me in court for two different cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Transaction issue

Complaint:
I had a contract with XXXX advertising for my XXXX career. I cancelled the contract and followed the contract to the letter. Supervisors and everyone at Citibank that I had spoken with agreed that I followed the contract. However, they stated since XXXX 2016 that they are still reviewing my case after XXXX only gave me a partial refund. They shorted me some XXXX+ dollars. I continue to ask the dispute supervisors at CITIBANK that since they agree that I followed the contract, why was my money being held captive. They stated something to the fact that they have to wait to hear from XXXX about refunding my money. This is unacceptable and I have been charged interest fees and more.

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 monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) : also states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Increased monthly mortgage payment on a fixed note. The past year, the servicer initially included addition {$140.00} to each monthly payment without an explanation ; just " interest short. '' Numerous calls to the loan servicer, Rushmore Loan Management Services were to no avail. Submitted a registered mail for why my fixed payment changed under RESPA on XX/XX/2022. XXXX referred that I need to contact the mortgagor. Essentially, my payments have gone up from {$1300.00} monthly to {$1600.00} without any explanation to why. I can't get an answer why my amortized monthly payment changed from {$1300.00} to {$1600.00} and why the mortgagor or loan service failed to inform on any changes to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Opportunity Financial, LLC
State: NV
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:
Opp loans has failed to provide verification of the charge off listed under my name. The account is inaccurate and even after several disputes they have not verified ownership or accuracy of the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: MOHELA
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notifications or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationships with creditors as I am going through the home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company by the name of Arnold Scott Harris, PC ( XXXX ) is attempting to collect a debt that does not belong to me. I 've asked them to provide proof of debt with my signature which they have failed to do. Arnold Scott Harris, PC has been notified to refrain from contacting me, yet they continue to call daily. I am unfamilar with the debt stated in their letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation