BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: Central Portfolio Control Inc.
State: WV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call from CPC ( Cental Portfolio Control ) in XXXX at my parents house about a loan I had with XXXX XXXX that I had trouble paying on from the following telephone number ( XXXX ) XXXX. I talk to a XXXX XXXX and gave him my bank information about trying to get the debt settled he also gave me a direct phone number to his office ( XXXX ). I have not received any written communication from XXXX and unfortunately my check returned due to insignificant funds twice. Today XXXX XXXX called me and I tried to get information and every time I mentioned about not getting any written communication from him he got rude. I also asked if I could break the debt into smaller payments he said no and I asked for a company address so I could send a money order he said no also. The agent asked if he can call my parents and asked if they can help with I told him no not to call my parents and only use my number he called me on as contact. The agent then proceded to get rude.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: ALLY FINANCIAL INC.
State: NY
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 been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I work for the XXXX XXXX XXXX XXXX. I have been repaying Parent Plus Loans since XX/XX/XXXX that were taken for my XXXX daughters to attend college. How FAFSA works you only receive funds/loans per year per child.. I applied for Public Service Student Loan Forgiveness after 10 years of being employed by a XXXX XXXX XXXX XXXX and applied for loan forgiveness in XX/XX/XXXX. My application was denied because the loan company stated since I consolidated the loans in XX/XX/XXXX ( at their suggestion after I asked them how might I make it easier for with how FAFSA and Parent Plus works -- you incur loans per child per year and I was making about 6 to 7 payments writing 6 or 7 checks every month for the loans I might add ) that I did not have the qualifying 120 payments and that my " forgiveness '' would take place AFTER making the payments from XX/XX/XXXX, and at that point my loan would be paid off, and I would receive zero forgiveness. I asked if there was an appeal to this as I was misinformed when the suggestion was made by XXXX XXXX to consolidate multiple loans that I had incurred as a parent. I am upset and frustrated and am being denied what I am entitled under the federal Loan forgiveness act because of some " technicality '' they imposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions 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:
I started a fraud dispute on XX/XX/XXXX for fraud against Florida Department of revenue. Somehow it appeared as XX/XX/XXXX. Now the Florida Department of revenue did not provide facts and continued the fraud and changed the dates and money amounts of the fraud from XX/XX/XXXX {$52000.00} to XX/XX/XXXX {$35000.00}. The Name on that fraudulent account is not mine and has never been mine. I looked up the case file and neither party named is factual there is no such person as XXXX XXXX XXXX the plantiff obligoee nor the person they claim to be me XXXX XXXX XXXX XXXX defendant obligor. So there is no way that this should be allowed and it is blatant fraud. My Name is XXXX XXXX XXXX it has never be changed to any other name. I did not know of this debt they forcefully took payments from my checks. I did not pay them they stole money from me with the fraud.

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 2020-02-18
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX was the original servicer of my loan ( Mortgage ). On or about XXXX of 2019 my mortgage servicing was transferred without notifying me. I continued to pay my mortgage on time to XXXX as I have always paid all my loans on time and have never had a late payment. On or about mid-XXXX  I received a foreclosure notice from Mr. Cooper and called them right away. Mr. Cooper stated my servicing was transferred to them by XXXX in XXXX and have received no payments for XXXX, XXXX, and XXXX of 2019. I paid XXXX every month on time for these months and have my online payment confirmations to prove this. Little to my knowledge XXXX was accepting these mortgage payments and holding them for 30 days or more and then returning them to my bank electronically. Instead of XXXX notifying me of the transfer or forwarding my timely payments they held them and later returned them. I have repeatedly tried to resolve this with Mr. Cooper and had them do an investigation with no success. I brought the account current as soon as I figured out what happened as I have always had the money to pay all my bills on time. This now has caused me credit hardship, the inability to take advantage of low rates and or make economical future purchases. I would like all late payments to be expunged/removed from all reporting agencies to include XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several accounts have appeared on my file that are in question with the credit bureaus that have not been addressed and are not mine.

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 2020-12-15
Company: Home Loan Center, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This is what they texted to me : Congratulations, Hey, This is XXXX XXXX from the Lending Tree. Your loan application has been successfully approved up-to {$10000.00}. Your loan approval id - XXXX - XXXX LENDING TREE. 

-No upfront hidden fees! 
-No hidden charges. 
-Easy Installment.

If you still interested just reply Yes or call us back on Number. 

+ XXXX ( XXXX ) XXXX Kind Regards XXXX XXXX Extension : XXXX Lending Tree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2022-08-29
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have attempted to resolve this issue by phone with Equifax. Each time I have been placed on hold and then disconnected. 

These accounts do not belong to me and Equifax has failed to properly investigate these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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  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 non-monetary relief
Consumer complaint received 2022-08-29
Company: EdFinancial Services
State: TX
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:
Contacted EdFinancial on XX/XX/XXXX to request a refund of payments made. Was quoted up to XXXX months for approval and was not provided any documentation that the request was approved. On XX/XX/XXXX contacted again via phone to inquire time when balance would reflect on the EdFinancial account and was told only at the same time the refund was issued. Asked about processing time to know when refund has been sent to Department of Education and was quoted up XXXX months. Inquired why other services were quoting XXXX weeks and EdFinancial was significantly longer and rep could not give an answer. Inquired how I would know if refund was sent for processing and rep could not provide any information. Inquired of refund would be sent for processing before forgiveness and rep could not answer. EdFinancial is not forthcoming with information and seems to be purposefully withhold information to discourage customers from applying for refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE A LETTER FROM XXXX XXXX XXXX STATING THE BILL WAS TAKEN CARE OF SEEING IT WAS A MILITARY RELATED INJURY. I HAVE CALLED MANY TIMES BUT IT CONTINUES TO STAY ON MY CREDIT XXXX REPORT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original issue was with XXXX  We moved and asked for a simple movers package. First the technician went to the old address. Then once he arrived at our correct new address, I elected to go wireless for a one time fee. The agreed upon monthly amount was for about {$120.00}. The first bill after a month or so was for about {$1200.00}. Naturally I called and argued with the representative until it was agreed on that if I pay my $ 125 monthly amount the billing issue would be fixed. The next billing cycle landed me a bill of about {$600.00}! I had to call and complain again until it was agreed upon that if I paid the {$120.00} my service would not be disconnected. The Next billing cycle had arrived along with a bill for around {$300.00}!!! I called AGAIN to complain about their service and the billing debacle, but this time I told the representative to just forget it and to cancel the contract. At this time I also drafted a letter and sent it stating that I wanted to cancel due to a breach of contract on their part by not charging the {$120.00} as agreed upon. The letter was sent to them by certified mail with a return receipt, but I might not be able to find the receipt after all of this time. I also told them that I don't work for them and if they want their equipment, they need to send a technician to pick it up. I never heard anything else so I thought it was over. I did threaten to file a fraud complaint but never did since I thought it was resolved. Then a collection agency started trying to collect on an account that I had cancelled. I keep receiving letters on a regular basis from different agencies with a " deal '' that if I can pay just half or so, it'll be all better. I don't feel that I have to pay anyone for a cancelled contract. And I don't believe that this should be on my credit report at all, I consider this an FDCPA violation and outright fraud. 
The original letter to XXXX and a copy of the latest collection letter will be uploaded soon.

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 2020-02-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
American Express is only approving me for cards with annual fees. When I try to get n American Express card with NO annual fee they declined me. American Express only wants me to have cards with annual fees because they know I am a great cardholder who will pay. The latest example is : On XX/XX/2020 I applied for a Delta sky miles card with a {$95.00} annual fee just to see if my suspicions were correct. And sure enough, I was right. American Express approved Application ref. XXXX for the Delta Miles with the {$95.00} annual fee. A few days later I applied for the American Express Cash card with NO annual fee, to prove my theory. And sure enough, American Express declined the application ref. XXXX. I have contacted the company several times and nobody could give me an answer on why. I know why. But I wanted to here it from American Express. They are committing FRAUD! Both cards are practically the same except the annual fee. If you approve me for one & not the other because you want to make revenue on the annual fee is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Mercedes Benz Financial Services
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
MY CAR STINKS AND HAS A SMELLY FEET SMELL THAT WONT COME OUT DUE TO HVAC ISSUES AND LEAKAGE. I bought a used XXXX   Benz in XXXX and the car kept leaking, and wouldnt start after a week. After taking the car to get checked my a shop other then the dealer who lied to me because they are the only Benz dealer in XXXX I found out MOLD IS GROWING IN MY CAR from the leak. Upon checking the internet I have learned XXXX has agreed to settlement and knows about the issue. I feel like I was cheated into buying a defective car, which is why I havent sent the payment in. 

XXXX XXXX   XXXX % XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: WELLS FARGO & COMPANY
State: OH
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:
After my grandfather died ( co signer ) I had to put the loan into my name, in order to do so I needed to put my loan on forbearance, to make sure I could make enough money to pay my loan, since my forbearance has ended- my pay check has not changed, I make just as much as I did one year ago. I am able to pay the amount just not at the time suggested by wells Fargo, ( first of the month ). wells Fargo can not change the date because my account is not in good standing, i asked if i could have my payments lowered by at least 20 dollars BUT i make too much money, even after we had discussed my hardship earlier in the year and nothing has changed. the issue is even if i pay my loan and split it up as intended i still get a late fee on top of the interest! AND my credit was growing and now my credit is sky rocking downhill, because i can not make my payments on time when they will do nothing to help me. i am just getting my feet grounded in a great job ( after 2 years out of school ) and it feels that i am falling backwards, almost to the point to go back to school because they will defer my loan if i do so. i just need them to be more lenient on the date i can pay my loan i just need the date changed!!

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 2020-02-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt is with XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX. I made the first payment in XXXX and it was forwarded to debt collection Wakefield and Associates-XXXX XXXX XXXX, XXXX, TN XXXX, XXXX. First, I tried to clear this negative reported debt to all three credit bureaus. I was successful with XXXX  and it was removed. However, XXXX  and XXXX has not removed the debt stating it is verified as accurate. I called Wakefield and Associates to try and get them to remove the negative report on XX/XX/2020 and spoke with a XXXX XXXX. He stated they could not remove it because it came from XXXX XXXX  XXXX . He stated it was up to the doctor to report the negative information. I asked for the doctor info and he could not give me that info. He said he could send a report asking them to take it off. I have been paying amounts of $ XXXX {$25.00} dollars on the account. I have not missed a payment and do not understand why this is reported on my credit when I am paying. Mr. XXXX XXXX response was that the amounts were too little. I told him it doesn't matter about the amounts as long as the debt is being paid. He agreed and said he will forward this info to request the negative file is taken off my credit file. I asked how long it would be and he didn't really give me an estimate of time. I pay all my debts and have no problem paying. I want this negative report to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: MI
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:
theres a hard inquiry on my equifax credit report thats fraudulent Ive never apply for XXXX  XXXX on XX/XX/2020 please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown  accounts from my name. XXXX  XXXX {$870.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2021-06-06
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I reviewed my credit report a collection account was on there. I do not have any knowledge of this debt and I would like this debt to be validated/verified. The account is : Convergent Outsourcing # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I have tried to stay in contact with this company since I lost my job at the time in XX/XX/XXXX I was receiving unemployment and in the state of arizona even at the max I was only getting just over $ XXXX. Every time I called to try and work things out with them the same male answered the phone ( i cant remember his name or if he ever gave it ) I explained my situation several times over only to be belittled for having lost my job and unable to pay back the loan. I pleaded and told him that i could barely afford to feed my child let alone pay bills. He then replied with " well my kids are fed so I can sleep just fine at night ''. I have also made several attempts since then to set up payment arrangements with other representatives i even told them about what was said to me by their fellow peer they didnt care. They have since refused my offer to pay off the balance with in means of my budget and refused to work with me to find a manageable amount for me with the other bills that I have. The comment made by the rep what was said to me is a violation of the law and is considered abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone call me from XXXX and XXXX attorney office, saying I opened a XXXX acct. Which I never did called and harassed me after I told him I never had one. So he hangs up on me

Company response to consumer: Closed with explanation