BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: OR
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:
I received a letter from FedLoan saying the waiver was applied to my account when it has not been applied yet. This was highly distressing as I expect the waiver will lead to loan forgiveness for me. The loan forgiveness group on XXXX explained that this is common practice and to expect waiver to still be applied. But before I knew that, I was in tears at the outcome and stressed about next steps needed to resolve the issue. This is causing undo stress to so many borrowers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two nightstands from Macy 's online for {$600.00} using Macy 's store credit card, and returned them later. I called Macy 's customer service before returning the items, and Macy 's representative told me that I was able to get the full refund of {$600.00}. On XX/XX/2021 and XX/XX/2021 respectively, my Macy 's online account showed that Macys refund my store credit credits of {$300.00} and {$290.00} respectively. However, I only received {$280.00} and {$270.00}. Macy 's refused to refund me the {$41.00} I am entitled to get.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made multiple attempts to have this company review its medical billing practices. I contacted the insurance provider, XXXX, and had the representative contact the agency directly to receive itemized billing as well as dates. The company refused to comply with the insurance carrier stating it was not an insurance issue. The company, XXXX XXXX double billed. The company wanted me to pay, as well as billing my issuance for procedures that did not take place. I will billed for XXXX I did not receive. As shown in email communications with the billing department, the company would bill in advance for services not rendered. When we refused to pay fr services not rendered, the company sent out account to collections. We spoke with a XXXX XXXX with PDQ Services. XXXX is the representative who refused to speak with our insurance carry, and would not provided details on what we were being charged for. To date, only a dollar amount is provided, not the services for which were alleged rendered for payment. Our last communication with XXXX XXXX from PDQ Services, and XXXX XXXX was in XXXX 2017. Now PDQ Services have reported this fictitious amount to XXXX, and sent us a letter stating that " pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practice ACT, that they have provided verification multiple times, and the validation period has since passed the day 30 days. '' We have yet to receive any such communication. Just a fraudulent collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a settlement check from a car accident on XX/XX/XXXX for {$3800.00}. The attorney banks with XXXX XXXX XXXX. After taking a picture of the check and making the deposit I placed the check in a folder where I keep important documents. In XXXX I was going back and fourth to the library and I carried my folder with me. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my vehicle detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted XXXX and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and noticed the check was not there. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted XXXX again and filed a fraud claim on our account. I went to XXXX County Police department XX/XX/XXXX -and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. OnXX/XX/XXXX I received a copy of the check from XXXX. The check was presented to Navy Federal XX/XX/XXXX on XXXX XXXX. I went to that Navy Federal branch and spoke to the manager he stated the fraud would need to be handled by XXXX and XXXX. I went to XXXX police dept and filed a police report Case # XXXX. The detective stated he spoke to the person that cashed my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. It is nowXX/XX/XXXX all involved banks are stating it is not their fault it is the other bank. XXXX and XXXX have both closed their fraud investigation and I do not have my money back. I have fallen behind ALL my bills because of this situation and would like for this to be resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Open Late Date 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 2017-03-14
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Received a vague call from "  XXXX   XXXX  at extension #  XXXX  telling me either I or my atty must call her regarding an urgent matter ( did not disclose company or debt on the phone ) and gave me this number to call her back :  XXXX   XXXX   XXXX  X  XXXX . I googled this and it appears to be some kind of scam, so did not respond to the phone call. I would liike to see these kind of scammers apprehended and their ability to get phone numbers shut down. It looks like they have been doing this kind of activity for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX/XXXX/XXXX I paid XXXX XXXX XXXX XXXX {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: CT
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:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX CT 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 2022-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account with Bank of America. I ended up losing my wallet and I started getting these notifications that my card was being linked to different things. Couple days later my account was closed by the bank. When I asked, they said they said business reasons. I ended up calling Bank of America at least 12 times and I was put on hold for 20+ minutes each time only for them to answer and transfer me and the call immediately dropped after I was transferred. I finally got to talk to one of them and they said there was a fraud alert on my account and that my account had no valid funds and was negative {$1000.00} and I owe it to them. I dont know whats going but I havent been able to open a new bank account because of this. Also some things with my Social Security number dont work either. Please fix this ASAP.

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 2017-06-20
Company: SECURITY CREDIT SYSTEMS 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:
In XXXX XXXX, a collection account began reporting to my various credit reports by Security Credit Systems LLC. The original creditor is listed as XXXX XXXX, the original and current balance are {$2000.00}. I do not know what XXXX XXXX is, nor do I have any idea why they think I owe them over {$2000.00}. I have disputed the account reported by SCS on my credit reports, through the bureaus, and even reached out to SCS themselves to dispute the account. I asked to be furnished with any records that would validate my liability for the debt they are reporting. They have not responded, yet have verified the account as accurate to the credit bureaus. Surely, if it were a legitimate collection theyd have proof to send me. Moreover, the report claims that I made a payment of {$110.00} in XXXX, yet the balance remains the same. In my dispute, I noted that XXXX, XXXX has dozens of complaints against them on BBB, due to their sketchy, if not fraudulent, billing and collecting practices. I also noted that my first notice of the debt/collection was seeing it on my credit report, as neither XXXX nor SCS thought to inform me that they thought I owed them money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Driveway Finance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022 a payment of XXXX was made after company purposely made late fees come in hand. After company withdrew and confirmed payment weeks later the payment came up as invalid and still not returning the money after had already taken it. Looked on online for reviews of Company Driveway Finance and seems like theyre known to scam their customers. Along with taking your money and causing late fees to occur on purpose, the customer service dont know what theyre doing and lie about errors, payment refund and late fees being deducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NC
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:
It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX Balance : {$19000.00}, U S DEPTOF EDXXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX ( OriginalCreditor : XXXX ) XXXX Balance : {$89.00}, XXXX XXXXXXXX : {$0.00}, XXXX XXXX  Balance : {$180.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
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: Account status incorrect

Complaint:
Transunion is reporting inaccurate credit score. More than 30 plus points in comparison to other bureaus. I constantly have issue 's with Transunion credit reporting. It 's inaccurate score and I want updated immediately

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 2017-06-26
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Account Management continues to try to collect a debt from two " unpaid parking tickets '' on behalf of the XXXX Government, which are invalid. These two parking tickets were paid in 2016, and the checks that I sent to the DC government at that time were cashed : one for {$40.00}, and one for {$50.00}. In one instance, DC sent me a notice that the amount they received was not received on time and wanted to collect even more money from me. I contacted them with the bank information showing that it was cashed within their time frame, and had that false claim removed. However, both tickets still appear as " unpaid '' according to Professional Account Management, with a notice I received in a letter on Friday.
<P/> I have contacted them ( Professional Account Management ) in the past with the phone number provided in a different letter ( ( XXXX ) XXXX ) which reflected a different amount, and told them this is false information ; however, they argued about it on the phone, and have again sent another letter, this time the amounts are increased.
<P/>
Also, in this letter, it shows only one citation number, but then shows that additional money is due (? ). It reads as such : account # : Citation # : XXXX Amount Due : {$60.00} Amount Due all citations : {$130.00} They then threaten enforcement activity by impoundment of a vehicle if there are " two or more delinquent citations. '' That 's convenient - is that why they are trying to collect on multiple amounts with only one cited?
<P/>
Either the XXXX  Government is committing fraud/extortion, or Professional Account Management is committing fraud/extortion. Either way, there needs to be some federal intervention of this phony debt, and the collection agency 's collection practices. I do not intend to pay either party any more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Stellar Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid  XXXX . I have a deletion letter as well from the company stellar recovery on  XXXX  account  XXXX  stellar file number  XXXX  and   XXXX   is still showing this debit and I have contacted them 5 times on this matter. I want this deleted from my credit report account. I 'm not sure if it 's on the other credit reporting agencies as well. But would like that deleted as well. This has been going on way to long. Even the company I paid thinks this is crazy!! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
[ Mr Cooper cancelled my next to final automatic payment without adequate notice to me, then billed me for a late fee on my final payoff quote. They also reported me as late to the credit bureaus lowering my FICO score by 99 points. I suspect that this may be a deliberate and systematic pattern of abusing all customers enrolled in automatic payments who are nearing final payoff. Below is a copy of the letter I sent to Mr Cooper. They rejected my argument. ] XXXX Dear Mr Cooper : I disagree with your determination, and would like you to follow through on the agreement that I reached with your agent on the telephone. 

My loan is now paid off. I was enrolled in automatic payment. Mr Cooper cancelled my automatic payment for the month prior to my final payment. Mr Cooper did not tell me that my payment was cancelled. Mr Cooper did not have a valid reason to cancel the automatic debiting of my checking account for the payment due in the month prior to my final payment. 

Your agent told me on the telephone that My Cooper agreed with me, and would waive the late fee ( I was NEVER late, except for this mistake made my Mr Cooper ). The agent told me that Mr Cooper would send me a check for the late fee refund. The agent told me that Mr Cooper would report that the late payment was Mr Cooper 's error to the 3 credit bureaus, and that I was not at fault.

1. I never received the late fee refund I was promised 2. Your determination that it was my fault for missing the payment is not correct. 

Please send me my late fee refund check immediately and please report that the missed pament was Mr Cooper 's error to the 3 credit bureaus immediately.

If necessary, please escalate this to your manager and review all phone and written correspondence. I hope to hear from you very soon. 

Thanks, <my name>

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I submitted a claim but my case closed. I sent in XXXX to a man over XXXX but the user is now listed as unregistered. The number the money was sent over to is XXXX XXXX XXXX XXXX and this happened on 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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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