BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act Experian XXXX XXXX has violated my rights as a consumer 15 U.S.C 1681 Section 602 A States that I have right to privacy 15 USC 1681 Section 604 A section2 : It also states that a consumer reporting agency can not furnish an account without my permission. 

The only Address that should be associated with my credit report XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The incorrect address are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-27
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Its been two weeks since VystarXXXX  has been down. Members have been having an issue assessing their accounts online, including myself and my husband. There was waiting of over XXXX customers the other day just to access their accounts. Transfers are not going through. I have had transfers in place from our business to our household for payroll. Those are not going through. I am getting ready to switch banks but I want to make sure that my money remains safe while we are still banking with Vystar. I also cancelled payment protection with them on an auto loan three months ago and they have failed to reverse the fees and interest incurred from those months.

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 2017-01-16
Company: AES/PHEAA
State: AE
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:
First I would like to express my appreciation for confronting XXXX XXXX on behalf of service members about changing the interest rate to 6 %. I received a reimbursement check for almost {$10000.00}. 
After receiving my check, I found out I was eligible for the Public Service Loan Forgiveness ( PSLF ) program for military service but I would have to transfer my loan from XXXX to FedLoan Servicing. I submitted the paperwork and transferred my loan. When I called FedLoan about participating, they told me my income was too high for the PSLF and I was not eligible. Not only that, they raised my interest rate to 7.625 % because it was " disbursed '' after I was XXXX which is clearly not the case. The money was disbursed in the XX/XX/1990 when I was in college and not in the military. I feel now they ( 1 ) deceived me to transferring the loan to them, and ( 2 ) illegally increased my interest rate. Had I known I was not eligible and my interest rate would go up, I would have never transferred. Please help fix this like you did with XXXX XXXX. 

FedLoan Servicing XXXX. XXXX XXXX XXXX, PA XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: AES/PHEAA
State: MD
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:
My stafford direct subsidized and unsubsidized loans were transferred to PHEAA because I work for the Federal Government and am pursuing the Public Service Loan Forgiveness ( PSLF ) plan. I am on the Income Based Repayment ( IBR ) plan. My employer paid {$5000.00} to my servicer on XX/XX/XXXX as part of a retention benefit, reducing my principal. I had turned off " pay ahead. '' On XX/XX/XXXX, I noticed that my repayment amount under IBR ( which has been revised to the standard repayment amount, due to my income ) remained equal to the amount in past months when principal was much higher. I contacted PHEAA, who via their frontline employee and supervisor Ha, ( PH XXXX ) insisted that in order to have my monthly payment amounts reflect the newly reduced principal amount, I must leave IBR and switch to standard repayment. Although I insisted that this made no sense since IBR repayment amounts are capped at the standard repayment amount and this means that given the lower principal amount, I am now being overcharged, they refused to admit that this contradicted Dept. of Ed. Rules regarding IBR repayment. PHEAA insisted that unless I switch to standard repayment, I will continue to be charged the monthly repayment amount that corresponds to much higher principal. PHEAA services all loans under PSLF. As a result, this practice is not only directly harmful to not only my eligibility for PSLF ( as I will be overpaying and ultimately eligible for less PSLF forgiveness ), but to all public servants. These practices run contrary to the basic principle of IBR repayment, that it should not exceed the standard repayment amount, and contrary to guidance that IBR is the best option for PLSF, solely administered by PHEAA. I appreciate your assistance in resolving this before my first overpayment would be charged this month ( on XXXX XXXX ) and ensuring that no other public servants have their benefits under PSLF unfairly affected by PHEAA 's deceptive practices. I also submitted a complaint to the student loan ombudsman on XXXX/XXXX/16, reference # XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Resurgent bought an alleged debt fromXX/XX/XXXXXXXX performing aggravated identity theft and is trying to collect from me by extortionate means

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My personal account is with Sun Trust bank. The paoblem is with a practice that banks use known as reordering transactions. On XXXX XXXX XXXX I had numerous transactions that I made for the XXXX season. On Monday XXXX XXXX XXXX I had a balance of {$45.00}. I went to XXXX and spent about {$10.00} on my debit card, The next morning XXXX XXXX XXXX i look at my phone and see that I am now negative over {$400.00}. I expected to see XXXX overdraft fee because my wifes check that was direct depositied from her employer was incorrect, they did not pay her the full amount due by XXXX of dollars. That being said if the bank had made the debits the way the transactions were made then that would have been acceptable. Instead they switched everything around they paid a large transaction they claim on the XXXX and put the smaller ones that I had made on XXXX/XXXX/XXXX after they cleared the larger XXXX from the XXXX this change caused me to have XXXX overdrafts or {$240.00} in fees. I went to my local branch and spoke to the Branch manager, XXXX XXXX he said that he did not have the authority to drop the charges and that he woudl have to send the information to another department. As of this date XXXX/XXXX/XXXX at XXXX nothing has been done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
after disputing a inaccuracy on my report, with proof attached equifax claimed they contacted the reporter and the reporter claimed the account was still open and in collection : see attached equifax responce. they did offer me a service for XXXX to expedite my dispute. they reported to the cfpb they had not contacted the reporter. i submitted a copy of their response to me to the cfpb showing the falsehood. now im seeing a XXXX point drop on my equifax score! Is this retribution? see other attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Received notice from XXXX XXXX XXXX ( XXXX ) that they had obtained a credit report from Equifax Information Services regarding a request for home owners insurance. Problem, I do not own a home, and according to customer service at XXXX, my credit report is disclosing my home was purchased XX/XX/2015. I am XXXX in live in HUD housing with the XXXX XXXX rental voucher. Equifax is now refusing to provide a copy of my credit report claiming my current address does not match the address of their file. They also are refusing to take proper action in protecting me from possible acts of fraud by allowing others to use my social security number and not allowing my access to items on my credit report or a copy of my credit report. Equifax is also stating they can not send a credit report to me becuase my legal address for two years does not match the address they have within their system. With out the credit report : I can not dispute the inaccurate information that was disclosed by XXXX over the phone and as claimed to be on the credit report. Therefore, without a formal complaint from me disputing the items on my credit report, Equifax has no obligation to conduct an investigation as why others may be using my social security number. Equifax acts provide and enable criminals by protecting them from the true consumers. Equifax has extreme poor customer service when calling by phone and is trying to sell their fraud protection before releasing my credit report for review. I was hung up on four different phone calls when asking for a copy of my report and refusing to pay for the report. I did try getting my credit report on line with the annualcreditreport link and this did work with XXXX and XXXX, yet Equifax sends by electronic message saying Online Delivery Unavailable with a contact phone number and then audio links and customer service sales people try to sell their credit Fraud Protection Services ; be very self serving!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: COMMERCE BANK
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Commerce Bank withdrew funds from my account, caused me to overdraft, all because the check that was written had a similar account number. Similar in the means that it was n't my account and that the bank had an error when dispersing the funds. When I called the company they told me I would not be able to use any funds for XXXX to XXXX hours because they had to submit a formal complaint and go through the process. Even though you have bureaucratic ladders of things you have to go through the company could rectify this in a matter of seconds. It would be as easy as posting the image of the check and discussing why the funds were incorrectly withdrawn. Now I have no money and I am in a real big rut today as my bills are due and I have insufficient funds to pay them. I believe that a company of this size should not have this long of a process for XXXX of their own mistakes. I do n't even have check for XXXX sake and somehow they

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has ignored documents that were sent to them proving that XXXX XXXX does not have the legal right to report or collect on alleged debt. Equifax did not properly investigate my dispute. XXXX XXXX lies to Equifax and they allow it. I sent in proof but Equifax did not take it in to consideration. Instead they ask XXXX XXXX if it is correct and XXXX XXXX lies and says it is. XXXX and XXXX both removed the trade line from my report as they acknowledged that XXXX XXXX had no legal claim.. XXXX XXXX has also lied to the CFPB in a separate dispute that I made directly against XXXX XXXX. I am not protected. Equifax has allowed Ad astra to violate my rights. I am a resident of Texas and XXXX XXXX clearly violated Texas XXXX. I sent in proof and it was ignored. I have attached a timeline and evidence that XXXX XXXX did not comply with Texas law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted proof of identity fraud to the Equifax credit bureau. My disputes were not kept on file in their system when I called to confirm they had been placed. The fraudulent information has not been removed from my account or the inquiries. My rights to the Fair credit reporting act are not being up held.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that XXXX is still reporting the derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had an account with XXXX XXXX. My last payment on the account was made in XXXX 2008. I did not make any further payments. The account was re-aged to show that my last payment in XXXX 2008 so that it would remain on my credit for an additional period of time. This item needs to be removed from my credit report, under the FCRA XXXX XXXX was only able to report this negative information for seven years after the account was considered delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax refuses to provide me with a credit report online after being denied credit. I called an Equifax agent and had to ask for a supervisor and they told me I could buy it but not have it for free. They would not allow me to view my report online and XXXX allowed me to view mine after providing proof over the phone of my identity. There is no reason why Equifax can not do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Lionstone Holdings Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was called by a number marked " Unknown '' '' by the caller ID. This is a pretty good indication this call was not made by a representative of the court. In the call, no creditor was mentioned, nor was the name of the credit company, tactics I believe were done specifically to provide deniability. I was told I would be served papers XXXX XXXX if I did n't call XXXX regarding account XXXX. I called the number, and it is a collection agency known for somewhat shady tactics called Lionstone Holdings, LLC. I did n't give my name or information, as I have no idea what this is even pertaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: DFC Global Corp.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XXXX is my original complaint number I 've done my homework and believe that money mart should have only charged me XXXX dollar to cash my check not over XXXX $ the reason is because with settlement checks the state wants us to get full benefit from compensation that 's one reason why they do n't tax us, no I want reimbursement in full today

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: BB&T CORPORATION
State: SC
Product: Credit card
Issue: Advertising and marketing

Complaint:
The XXXX XXXX BB & T offer I opened a XXXX account for was 90 days of triple points for new XXXX card accounts. At about 70 days, the triple points stopped being posted to my account. I contacted them and they said that the triple point days begin on the day they internally " approved '' the application in their process. However I did n't received the credit card until 2 weeks later and immediately activated it. No one can possibly use a credit card before they even get it. To base the start date on the day the application is " internally approved '' at BBT means the customer will never be able to get 90 days triple points and is dishonest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: PRICE FINANCIAL SERVICES
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I had submitted an application for a residential mortgage in the beginning of XXXX. I promptly replied to all requests for information. The loan was scheduled to close in XXXX and never did. I continued to receive requests for information that I again promptly replied to. This continued until XXXX when the loan was schedule to close. Ten days prior to closing the amount I intended to borrow was reduced. We were so far along in the process I agreed to the reduced amount. I asked several times for a closing sheet and did not receive it until the day of closing just a few hours before we were scheduled to close. The loan was supposed to not have any origination fees. Upon reviewing the closing document they had included a substantial origination fee. I have owned my home for over 20 years and refinanced several times. I have never encountered anything like this. I feel I was taken advantage of and I was not able to close. I am going thru a divorce and I was looking to refinance in an effort to buy my wife 's share of our marital residence. This has created a tremendous amount of stress around and already extremely stressful situation. As a result of the delay the rates have gone up which will result in a substantially higher monthly payment. Any help would be greatly appreciated. 
Thank you in advance for your assistance. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
They have been calling my cellphone after I repeatedly told them i am at work and they cant keep harrassing me sometimes its a machine sometimes a live person they call say something and hang up. U was told because i couldnt post date a payment i wasnt allowed or qualified for a special program and i didnt have the right to call in on my pay to make a payment on my own they refused to stop the calls and refused to remove my number

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan is now more than it was when I first went to school more than 10 years ago. Navient charged me outrageous amounts of interest when I could not afford to make the very high payments. If I could have paid more of the principal and not interest I would n't have such a high loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to obtain a loan modification for nearly a year and a half. I was repeatedly stonewalled with false investor guidelines that did not exist. Once I was able to prove that the supposed guidelines of MHP did not exist. I was offered a loan modification on both of my loans. I signed the loan modification agreements as instructed and sent them to Santander. Shortly after I received word from Santander that they would not honor the loan modification that they had arranged. Instead they wish to raise the payments on my second mortgage from the XXXX to XXXX On my limited fixed income this now becomes unsustainable. Throughout this process I have been stonewalled, been given false reasons for my denials, been spoken down to by the servicer, and been given incorrect information. I was only able to receive the loan modification offers through the help of multiple elected officials and the Massachusetts Attorney Generals Office. Now Santander gets me to sign one set of documents, and then throws me yet another curveball. I need assistance with this. I could not get away with changing prices after someone had signed a contract with me. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed