BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-18
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid off my XXXX XXXX XXXX bill last year in XXXX, but I continue to receive phone calls asking for me to pay off a debt that I do not owe. It has also shown up in a credit report that I requested, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
A CD came due, and Wells Fargo did not send me a notice ... ..the next year they sent a letter saying the account was dormant because of no use and could go to the state if I did n't address the issue. I asked why the interest was n't considered use, and they just said it was n't. This was relayed from the CD dept. ( on the phone ) to the nice lady who was working with me in person. 

The main problem was, they did n't send a reminder before the CD came due ( my other banks would ). So, it renewed at .35 % interest rate without me knowing. I asked why they did n't send a notice, and the woman on the phone with my person just said they do n't. 

To close the account, they charged me {$47.00}, which I consider theft, since they did n't notify me about the rollover in the first place ... .also because it was probably more than what I made in interest since the rollover. 

I was there from XXXX-XXXX ... ..the branch manager and the lady who helped me were very nice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1300.00}

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 non-monetary relief
Consumer complaint received 2020-04-29
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I did not want to attend XXXX University Online. I withdrew before the deadline because I knew the program wasn't right for me and they still call me about the aid they tricked me into for their one week of classes I did not even attend online. They are crooks. As far as I am concerned I don't owe them anything since I am on Nelnet 's XXXX  Discharge program for forgiveness of my student loans..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Medical Data Systems, Inc.
State: GA
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:
I was notified by my credit monitoring agency that an account had been reported to my credit bureaus. i never recieved notification of these debts because I moved several months ago. I never recieved a phone call. I never recieved notification of the debt in writing. I offered to pay the debts in full if they would contact the credit agency and have them removed but they refused and said it was not possible. This has happened to me before so i know that it is possible. The agency was very rude. They claimed they had several bills with me from two XXXX. I called those XXXX  and paid the bills with one and when I called the other one, they said that they did not even have a bill in my name. When i tried to get off the phone with the agency, they said if I didn't pay all the bills today they would report them to my credit agencies. They also said that they would refuse to take my payments unless i gave them my phone number. Their tactics were intimidating and unethical and were not in the business of moving to resolve to pay the debt.

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 2015-08-29
Company: HONOR FINANCE, LLC
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
obtained loan from Honor Finance for vehicle in XX/XX/XXXX. made payments monthly up until XX/XX/XXXX when their website told me I did not owe anything on loan. I wrote numerous letters and they did not respond until the middle of XX/XX/XXXX when I sent a certified letter at which time they told me I owed a payoff amount for the account for XXXX amount and 10 days later it would be a different amount. We never got bills or statements from this company even when we requested them. we had no idea what was going on with our loan or where we were at with payments. I sent them a letter stating that we were not going to pay additional interest due to their lack of response to all our previous letters and their lack of providing us as consumers information regarding our loan status at any time during our loan even when requested. They then sent a letter certified stating we owed yet a different amount and that they were going to repossess our vehicle without any need to go to court, but if we wanted to go to court we had to let them know in 15 days. Due to their lack in providing us as consumers the information we requested regarding our loan they prevented us from knowing balances on the loan, breakdown of payments, how many payments were left, when payments were processed vs when they were sent/made, etc. We sent letters every other month since the beginning of the loan and only once received a response and the statement we requestedTheir practices and business has kept us in the dark and with no information regarding our loan for the duration of the loan. In letters we sent it stated that all communication was to be writting and they were not to call, yet someone I know called to say that they were getting up to XXXX phone calls a day from Honor Finance who was also providing info about us that violated our legal rights. Even if they contacted us via phone I believe they are only able to call once a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: AES/PHEAA
State: GA
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 have {$50000.00} in XXXX student loans, formerly serviced by XXXX and XXXX. Responding to a XXXX XXXX XXXX : President Obama 's Federal Loan forgiveness program, I received a phone call in XXXX from XXXX XXXX XXXX. I was under the distinct impression that this organization was government-afilliated. They offered me an income-adjusted repayment plan of $ XXXX, ostensibly with loan forgiveness after making XXXX years of payments. During the initial phone call, XXXX took my debit card number as " backup '' ( they said XXXX if there were late payments. After completing application paperwork, I began receiving emails from a company called FedLoan Servicing XXXX : starting payments on my XXXX loans. I thought ( naively ) that SLE and FedLoan Servicing were connected and that these payments were the result of my SLE application acceptance. I began making regular payments through the FedLoan website, which I found is affilitaed with the the Pennsylvania Higher Education Assistance Agency ( PHEAA ), which also manages American Education Services ( AES ), which services my private school loans. In XXXX, despite having paid my FedLoan installment that month, I noticed an automatic debit card payment of {$39.00} charged to SLE, which I still believed was affiliated with FedLoan. I emailed FedLoan to complain, only to be told that FedLoan does not charge late fees. Shortly thereafter, my bank informed me that my debit card was hacked, and closed the card. I just received a phone call and email from SLE that my " automatic payment '' was declined, and to call them, which I did. The originating number is no longer in service, and the SLE phone number ( XXXX ) is always busy. I believe I have been scammed or, at the very least, XXXX, and I have no idea whether SLE and FedLoan are connected to each other. If they are not, then I have no idea how my XXXX student loans were paid off and transferred from XXXX to FedLoan, XXXX which they apparently were XXXX and what XXXX 's role in this is, if anything. I also do not know what XXXX was charging me $ XXXX for, and where that money went. SLE does not have access to my new debit card number, fortunately. I am perplexed, alarmed, and angry that private companies have taken advantage of the legitimate XXXX student loan reservicing initiative to scam people who need legitimate financial assistance with their loans. I would like to find out XXXX what happened with XXXX XXXX XXXX and FedLoan to find out what is going on with my XXXX loans, and whether they are being legitimately serviced or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX Alerts. 2FA VERIFICATION CODES ARE REROUTED TO CRIMINALS PHONE NUMBERS. Android Cell Phones NEW MALWARE DISCOVERED. I HAVE ALERTED USAA TO NO AVAIL. Also my XXXX XXXX XXXX XXXX PHONE has XXXX malware news reports.XXXX  REPORTS SERIOUS DATA BREACH 2Xs in 4 months USING 2 FA VERIFICATION CODES.??? USAA CONTINUES TO USE. USAA RECENTLY WAS BREACHED AGAIN. I have FCC complaints filed against XXXX XXXX XXXX. USAA continues to use 2 FA codes No Avail to my complaints??? Sounds like security issue.???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have received a letter with the letterhead of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, IA XXXX. Letter states that I had applied to a Credit Card and states that I must call them to verify my identity. It also then states that this is about credit decision and consumer report. The letter asks that I contact Equifax. 
I never applied to a XXXX XXXX credit card. I believe this letter is a Fraud Letter to which I will not answer, nor will I call Equifax. 
I read on the internet that these letters are going out to people with an identical letterhead as that of XXXX XXXX. My concern is that whoever is doing this is obtaining my identity information and could be causing further damage to me and to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my condominium and as a result was due certain refunds. SunTrust sent me checks for those refunds. However, the checks expired before I was able to deposit them. I attempted to contact SunTrust to have the checks reissued but was told the department that issued the checks does not speak with customers. Since the checks never cleared I checked my state 's unclaimed property listing, however no record of the funds due to me are shown.

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2021-08-26
Company: JTM Capital Management, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.

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 2017-01-23
Company: AES/PHEAA
State: OK
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 submitted my IBR application online before my application deadline. I was prompted to print out and send in the form and income verification. I contacted FedLoan to ask where to send the application/verification, but I never received a response. I followed up by calling their customer service. The representative told me that my application had been received and that I only needed to upload my income verification. I uploaded the verification and later received a response that my application for IBR was denied because the form was expired ( despite it having an expiration date of XX/XX/XXXX ). Upon contacting customer service again to ask about the denial, I was told that my application could not be submitted online ( despite the first customer rep telling me that my application was received and that I only needed to upload my income verification ). I immediately uploaded a paper application and verification. Unfortunately, they processed my application after the most current billing cycle ( XX/XX/XXXX ), leaving me on the hook for a student loan payment XX/XX/XXXX that was 3 times my normal payment. The IBR application only applies to the XX/XX/XXXX bill and forward. I contacted customer service again, and they told me there was nothing they could do about XXXX 's payment. They blamed me for not uploading my paper application until after XXXX 's bill was generated. I explained to them that the only reason the paper application was not uploaded originally is because 1 ) they never replied to my message asking where to send the application and ; 2 ) the first customer service rep I spoke to told me that they had received my application, indicating that there was no need to upload it, only that I needed to upload the income verification. Their solution was to put my account in administrative forbearance for XX/XX/XXXX. I agreed, as they told me there were no other options. However, that means that more interest is accumulating while the loan is in forbearance. I am also seeking PSLF, putting my qualifying payments one month behind. I can not help but think that the process is deliberately confusing and that their reps are encouraged to make it even more so, so that the company makes extra interest on the loan while it is in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX XXXX  claimed a debt was owed to them - in XX/XX/XXXX this account was filed as identity theft and removed from my record. Convergent Outsourcing, a debt collector, is reporting this account on my credit report. I have informed them this account does not belong to me. I have informed them this account was the result of identity theft. They refuse to remove the account from my credit reports. They are still attempting to collect on this fraudulent account. 
I requested validation of their claim on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They replied with statements of an account which is not mine. They failed to show any proof that the debt belongs to me. I requested any documentation showing my signature on the account - they provided a falsified contract with no signature from me, only a blank area where a signature should be. 
I informed them they are not only illegally attempting to collect on a fraudulent account but also reporting illegally to the bureaus under their own name as opposed to the name of the original creditor in violation of Mass General Laws : o940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization I have informed Convergent of these issues three times via certified mail. They have failed to comply with federal or state debt collection regulations.

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 2016-10-31
Company: AES/PHEAA
State: AL
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 monthly student loan payment is directly debited from my account each month. ON XXXX XXXX, 2016, I submitted an ADDITIONAL payment with written instructions for that payment to be applied to a specific loan ( the loan with the smallest balance ). Despite following the instructions provided to me, and after following up with FOUR phone calls and an email, the payment still has not been applied as requested. This happens EVERY TIME I make an additional payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i received a letter from my mortgage servicer stating that my " flood insurance had expired '' I have been with the same lender on the same property for over 5 years and NEVER had flood insurance, therefore it could n't have expired. I called them and told them their letter was in error. they responded that they will be putting a forced policy in place. they stated they sent me a letter of notice XX/XX/XXXX which I never received. I did receive a second and final notice on XX/XX/XXXX. I called them when I got it. they said the letter was in error, but that FEMA had notified them that I am in a flood zone. I called FEMA. they said " YOUR LENDER LIED TO YOU '' that they do n't notify lenders of such things. 
they continue to tell me that they will put the force policy on me anyway. I have been lied to here, and their entire premise is based on a false statement that my flood insurance expired!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have mail dispute and validation letters to company and credit agencies havent received a response back account not mine and there reporting different opening dates from XXXX  to XXXX  and XXXX.

Company response to consumer: Closed with explanation