BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: Credit Control, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit control for XXXX XXXX repeatedly calling emailing and sending letters with various amounts and i was a vi tim of identity fraud there for this charge wasn't mine to begin with

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 2021-07-27
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Home depot charged interest of {$100.00} in 1 mo. Mininum payment is {$60.00}. Lowered credit limit to tank credit score after paying off promo amounts regularly.

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 2017-01-26
Company: AES/PHEAA
State: MD
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:
Please see the below exchange with Fedloan Servicing. I 'm not complaining about their service, in particular, but rather the fact that previous servicers have apparently still not provided them a payment history that they can use to calculate the PSLF qualifying payments. Also, the previous servicers did employ shoddy practices, like delaying IBR verification for months, that ultimately cost me thousands of dollars in accrued interest that has now been added to principle. This industry needs to be cleaned up. 
Thanks Thank you for contacting FedLoan Servicing! 

Our records indicate that your Income-Driven Repayment plan began effective XXXX XXXX, XXXX. 

We presently have your employment certified from XXXX XXXX, XXXX until XXXX XXXX, XXXX for employer XXXX. Based on this period, you have made 0/120 qualifying payments towards your Public Service Loan Forgiveness ( PSLF ). Payments made beyond this period may qualify for PSLF as long as we have approved Employment Certification Form ( ECF ) on file covering the employment period for the time frame of the payment while in repayment on a qualifying repayment plan. We also recommend recertifying your employment annually. 

We recommend that you use the " Contact Us '' links on our website, MyFedLoan.org, to submit inquiries via a secure email form. Please use your email address on file when completing this form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX ( ET ). 

Sincerely, XXXX FedLoan Servicing -- - Original Message -- - On XXXX XXXX, XXXX at XXXX XXXX, XXXXXXXXXXXX wrote : First Name : XXXX Last Name : XXXX Message : I 'm following up on an inquiry I made several months ago. I sent you Public Service Loan Forgiveness paperwork last year. Do you have an accounting of credited payments yet? 

XXXX This message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. 

The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. 

Code : PHEAA XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ( 8 minutes ago ) to accountinfo Thanks. I believe you 've introduced an obvious typographical error into your database. I can not have employment from XXXX XXXX, XXXX until XXXX XXXX, XXXX '. That should read XXXX XXXX, XXXX until XXXX XXXX, XXXX '. Notably, also, I have been making income-based payments to previous servicers ( XXXX and XXXX, I believe ) since XXXX. Do you not have that payment information yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/21 Enter a credit transaction to obtain a vehicle in accordance with TILA under the CPA. I was not given the full amount of my finance charge but was told I preapproved for some small amount that was less than half of the finance charge itself. Me knowing pursuant of 15 usc 1602, I was extending credit to myself, which means I shouldn't have been denied this Credit Transaction that took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have American Express Serve card. They give you an unnecessary hard time in disputing transactions, and they have every reason to, because if they give you your money back, whatever percentage the merchant has to pay for using their card, they do n't get paid if they give the money back! 

XX/XX/XXXX, I disputed XXXX charges : XXXX from XXXX, in which I signed up for their hot spot service through their automated system, which did not state the charge is not refundable. They only tell you this after you are charged ; then, they say it is in their terms of service, which was never mentioned in the sign-up process nor do you get a website to go to to read the terms of service. This is fraud, because I am not be given the right to make an informed decision. 

XXXX charged me {$50.00} on XXXX/XXXX/XXXX. 

I made a purchase at XXXX and was charged {$36.00} on XXXX XXXX, XXXX, under XXXX. I returned the product and though the seller has a refund policy, but she will not give me my money back. 

I called Serve in XX/XX/XXXX to put both items in dispute, which was done ; however, the representative did not tell me to expect an email from American Express. As a result, they sent me an email but because I was not expecting them, as the representative did not inform me they were coming, the cases were closed. 

I am currently on hold with Serve trying to re-dispute those charges, and they have the audacity to be telling me essentially too bad : Though WE messed up, you 're not getting your money back. I spoke to XXXX, a supervisor, who is now telling me, 60 days have passed and we ca n't dispute the charges. Both of these charges were disputed in a timely fashion in the beginning. 

Serve XXXX, but they want to penalize me. 

Serve needs to be investigated and fined, because I am sure I am not the only customer they have done this to. 

All these Serve rep 's gave me the same excuses. I have been on the phone for 2 hours trying to resolve this. This is ABUSE and UNACCEPTABLE! Serve is stealing my money, because by keeping my money, they stand to profit! 

- XXXX - Account Specialist - XXXX - Account Protection - XXXX - Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. I am requesting that these accounts be deleted. 

XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX -UNVERIFIED ACCUNT XXXX XXXX XXXXXXXX XXXX XXXX-UNVERFIED ACCOUNT XXXX XXXX XXXX- UNVERIFIED ACCOUNT XXXX XXXXXXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, Texas XXXX XXXX XX/XX/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 2021-07-27
Company: PENTAGON FEDERAL CREDIT UNION
State: AR
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:
being charged billing fee!

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 2016-10-03
Company: Direct Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Between XX/XX/2016 and XX/XX/2016 my wife and I had a series of communications from various people all claiming to be working for Direct Recovery Services.  These included phone calls from several different area codes (including calls to our son and my father in law via their phone numbers), an email and letter with a Minnesota address.  We asked via phone and email XX/XX/XXXX for complete verification information on the debt so we could look into the matter.  When this was not received by today (XX/XX/2016) I called the number on the letter and asked for the Senior Account Manager who signed it.  I never got a straight answer on if that person was available but the gentleman who answered said she was one of his employees and he could handle everything.  He gave me what I feel was a rushed pressure to settle with them or else pitch.  When I explained we wanted complete verification info on the debt all he could give me was what he claimed to be the date and original bank account on our end for the original debt.  My records and a call to the bank confirmed the account he gave me the number for was closed almost 2 years prior to the date he had in his records.  When I called back with this info I had a shorter, more rushed conversation that ended with the rep hanging up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-04
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld Systems inc bought out XXXX. through XXXX I did the loan rehabilitation program. They did not follow throgh on their legal agreement. Now they are refusing to send me in writing the original application and terms and agreement of the loan. The ombudsement group is useless. Who is going to make these people reaponsible? You already let them get away scott free for calling my job and trying to collect on the debt which is illegal. Now they are refusing to provide XXXX with documentation about the loan rehabilitation program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: HI
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 sent a letter to XXXX dated XX/XX/2022 regarding XXXX XXXX XXXX  ( account # XXXX ) that is showing on my credit report Upon closing of their investigation their report # XXXX results stated " Remains '' The account can " Remain '' HOWEVER I am hereby requesting that all lates be deleted. 

I have been a victim of their breaches and their failure to remove the information will result in a lawsuit per FCRA regulations Theyre not a government agency and I believe theyre colluding as their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction. 

These errors have caused a denial of extension of my own credit to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: LTD Financial Services, L.P.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
COLLECTION NOTICE SENT TO MY DECEASED MOTHER IN LAW WHO,PASSED AWAY 12 YEARS AGO,THEN FORWARDED TO MY UNCLE WHO  WAS THE EXECUTOR OF HER WILL, HE IN TURN GAVE THE NOTICES TO US (PARENTS).NOW OUR ENTIRE FAMILY KNOWS OF THE DEBT. THIS COLLECTOR , XXXX( HIS NAME AT THE LTD AGENCY HAS BEEN TOLD SEVERAL TIMES THAT MY MOTHER IN LAW HAD DIED, YET SENDS TWO NOTICES TO HER . MY PRIVACY HAS BEEN INVADED, NOW I AM APPALLED THAT MY UNCLE  AND HIS FAMILY AND XXXX KNOWS WHO ELSE KNOW ABOUT THIS DEBT.PERHAPS IF XXXX WAS WILLING TO WORK WITH STUDENTS ,THEY (XXXX) WOULD NOT HAVE SO MANY ACCOUNTS IN COLLECTIONS. XXXX NEEDS A COURSE ON PRIVACY LAWS & REGULATIONS. WE HAVE CONTACTED AN ATTORNEY AS WE ARE SICK AS XXXX OVER THESE RIDICULOUS NOTICES ,AND THE FACT THE REST OF OUR FAMILY KNOWS ARE PERSONAL BUSINESS !! PLUS MY HUSBAND IS RECOVERING FROM A XXXX ACCIDENT AND DOES NOT NEED THIS ADDITIONAL STRESS .THANK YOU XXXX YOU XXXX, MERRY CHRISTMAS TO YOU!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: Kriya Capital, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phone call prompting to call XXXX, when they use a fake caller ID number XXXX. The name they ask for is an unknown person to me. I've told them this, and they continue to harrass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-20
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX used to call me about phone service I 've never had. I have been with XXXX since XXXX and still am. The account on my credit report says that the XXXX account was opened XXXX XXXX which is n't true because I 've always been with 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 2016-01-08
Company: Holloway Credit Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
HOLLOWAY CREDIT SOLUTIONS IS REPORTING ON MY XXXX CREDIT REPORT, AN ACCOUNT FOR XXXX UNIVERSITY. THE AMOUNT THEY LIST ON MY CREDIT REPORT IS FOR {$1100.00}. I DISPUTE THIS AMOUNT FULLY. THEY ARE ILLEGALLY ATTEMPTING TO CHARGE A COLLECTION FEE ( I BELIEVE FOR {$230.00} ) ON THIS ACCOUNT. I HAVE NEVER SIGNED ANY DOCUMENT STATING THAT I WOULD PAY A SPECIFIC AMOUNT FOR A COLLECTION FEE. THIS COLLECTION FEE NEEDS TO BE REMOVED. ATTEMPTING TO COLLECT A FEE WITHOUT PRIOR, MUTUAL AGREEMENT OF THE COLLECTION AMOUNT, IS ILLEGAL IN THE STATE OF ALABAMA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23
Company: BB&T CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage loan with BB & T. They received a wire on XXXX XXXX, 2015. The payoff left an escrow balance of {$4000.00}. I called BB & T today to find out when my funds would be released to me. I was told that it would be 2-3 weeks before the funds were " mailed '' to me. The loan servicing agent then give me the date of XXXX XXXX, 2015 as the date I could expect my funds to be " mailed '' to me. That date would add another 3-5 days before receipt, or possibly as long as 1 full month from the date BB & T received wired, good funds. I inquired if I would be receiving interest on my funds and was told no. This seems like an exorbitant delay without compensation for BB & T 's use of my funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern : I have lived in the XXXX Arizona area since XXXX. I bought my home in XXXX XXXX in XXXX. This home means so much to me since it was my project to have it built from the ground up after a very emotional, messy divorce. I have endured many hardships from that point to now, but I still love my home and I do n't want to lose it. Unfortunately, I might because my lender is trying to foreclose on me. My home is scheduled to be sold on XXXX XXXX, XXXX!!! 

I did have my loan modified in XXXX, but the payment came out too high. From that point on, I have not trusted my lender or the modification process. I struggled but I made those mortgage payments until I started having medical issues in XXXX. I eventually had a XXXX in XXXX. I missed a lot of time at work and had to pay a lot of out-of-pocket expenses ( co-pays and deductibles ). I finally defaulted on the mortgage at the end of XX/XX/XXXX. Because of my poor experience with the last modification, I had no trust in trying by myself to get my loan modified again. I hired a law firm to help, but they got nowhere in dealing with this. 

I am a XXXX. I 've been in this industry for XXXX years, certified for the last XXXX years. When I went back to work after my XXXX, I had to deal with a lot of XXXX. I was falling further and further behind on my mortgage since any payment I sent would not be accepted, and I was n't getting anywhere with the modification process. That led to me being diagnosed with XXXX in XXXX of XXXX. I immediately had XXXX again and then XXXX in XXXX of XXXX. I hope to remain in XXXX now, and I 'd like to now solve my mortgage issue. 

I have not been assigned a single point of contact nor have I been offered any sort of assistance or repayment plan to get my payments on track. I believe that my loan fits squarely within government guidelines. I do n't need nor do I want a handout or anything that I do n't deserve. All I want is a little assistance in getting a loan modification that lowers the payment to a level that is sustainable moving forward. My financial future looks bright and I hope to be past my medical issues. I do n't anticipate having any financial issues moving forward if I can get this resolved reasonably. Thank you in advance for any help you could provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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: Account information incorrect

Complaint:
XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would pos t within a day or two, but then so metimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I w as notified from my credit reporting company, that one of my payments had been listed as default of 30 or  more days. I find it extremely odd that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected

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