BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-23
Company: APPLE RECOVERY, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX ( Automobile Dealers, Used ), Inquiry date : XX/XX/2019 - This inquiry does not belong to me

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 2021-02-15
Company: National Credit Adjusters, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an account reporting with National Credit Adjustments for some type of payday loan. This is not mine it's showing that it opened in XXXX XXXX and I can tell you I never opened an account with any type of payday loan in 2015. This needs to be deleted. I was notified through my XXXX XXXX account that it was reporting on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
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:
I noticed that there are at least XXXX school loans on my credit report when there should only be XXXX listed open/current/deferred because I am in school until 2020 and they do not have to be paid until then. I am writing you to ask that these accounts that are closed/paid off/transferred be removed as they are effecting my credit. Alot of those loans has intercepted my taxes and is paid off. I am in school bettering my education and is looking forward to improving my credit. With all these negative accounts its making it hard for me to move forward with my life. Due to hardships being in and out of work because a lot of my jobs were short term assignments it made it hard for me to pay off my loans. I ask that you please update or remove my accounts to good standings. With my reports saying I 've missed 12 payments, 10 payments, etc it makes it hard for me to actually get approved for anything. I have been disputing with each credit bureau and I 've been getting nothing but the run around. I 've been hung up on, transferred to different numbers, I 've also disputed and still nothing good has happened. I 've been looking for jobs and right now I 'm receiving financial support for me and my child from family members. I just want to get my credit straight and I believe this is why I cant get a job and I cant get approved for anything because these are reporting delinguent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/14 at XXXX XXXX XXXX, XXXX, XXXX, Citibank alerted me to XXXX suspicious withdrawals in the amount of {$200.00} and {$300.00}. I was in XXXX at the time and did not make these withdrawals. My Citibank card was in my possession and no one else has access to my account. I immediately filed a claim and changed my passwords. I expected to be reimbursed quickly but have been denied several times, even after filing a police report. 
Citibank has violated the Electronic Fund Transfer Act and Regulation E because Citibank was notified of the unauthorized transfer within 2 business days of learning of the theft of the access devise yet your liability exceeded {$50.00}. 
Citibank 's failure to provide adequate data security, to negligently allow my account to be vulnerable to theft and to illegally refuse to credit my account for the full amount of the theft identified by Citibank is an unfair, deceptive and abusive banking practice. Their inadequate and ineffective investigation of my claim has caused significant emotional and financial distress. Customer Service has given me inconsistent information unduly delaying the claim review process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-15
Company: Quad Corporation, Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a medical bill I guess that I owed in the amount of {$590.00} in the year XX/XX/2013. I had insurance and I had received the last medical bill in XXXX I called the XXXX XXXX office and they told me to wait not pay anything more until the insurance pays. I never received a bill after that. The beginning of this summer I kept getting phone messages that this message is for XXXX if your not XXXX than hang up. I ignored this message because of spam. I received a letter from a credit agency that I owed {$1500.00}. Right away I called them and I said I would set up payments I always pay my bills if there owed. I checked my credit report and my medical bills and they just did n't add up to {$1500.00}. So I called the credit agency and she said Oh they wo n't. I kept paying but than a lightbulb went off and I asked for itemized letter of what I 've been paying on. Nothing was itemized. So I called the XXXX XXXX office that whom I owe money too they said they have only received {$25.00}. I am going to a lawyer on this matter. This just is n't fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt reported on my credit score is a result of fraudulent activity. The debt shown is fraud and I would like it removed off my credit ASAP, or me and my XXXX will have to use legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: AES/PHEAA
State: KS
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:
To whom it concerns if anyone, I have several DLPLUS loans through Fed Loan services. I have talked to several customer service representatives that have given misleading information. After talking to them about several different loan options like " Pay as you earn '', " income based '', and " revised pay as you earn '' programs all the income based programs that I have gotten quotes on. Then I called company to complete documents for these programs and was told I do not qualify for by another rep. I started talking to so called supervisors of these departments and they recommended that I consolidate my loans. I was told that if I consolidate XXXX of my loans online and consolidate the remaining XXXX loans on paper copy. Then I would have consolidate the XXXX consolidation loans. Then I would then qualify for the income driven plans. Which are much cheaper monthly payments. So then I had to go to another company " XXXX. '' Which has the online consolidation form I needed to fill out to consolidate the first set of loans. So I start the process and needed assistance so I contacted their support number. I talked to a supervisor in that company and she informed me that I only qualified for the income contingent plan that was ridiculously high. Like {$1600.00} a month. There is no way I am signing my name to that amount for just part of my loans through this company. I got on computer to inquire about FED Loans Services and there are thousands of people that experience the same kind of service. Meanwhile they stall and keep me on payment forbearance which accrues interest. This is the biggest scam I have ever seen. And this is a company that controls our kid 's educational future. And this is a Federal Program that should be an embarrassment to government officials that implement these programs. That being said I still have gotten " No Where '' with getting my loans consolidated and or gotten reliable information as to what loan repayment plans that I qualify for that are affordable. This is such a large problem that only thing I know to do is to contact a lawyer which is coming from a person that can not afford to pay these XXXX loan payments. Very upset. 
I am not sure if you can assist me in getting this issue resolved. 
Just to make you aware of how big this issues is here is a couple of links to look at about Fed Loans servicing. Which are not virus links. 
http : XXXX http : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My student loan provider uploaded a PDF to my account that was supposed to provide me with tax information. They instead uploaded a blank PDF template with no account information on the document. I have contacted consumer service three times now, and they still do n't understand what I am saying, despite being quite clear and even providing an image of what I am talking about ( the second time ). The first time, the response I received was auto filled information on how to download a PDF off the Internet. I responded my telling them that I am perfectly capable of downloading a PDF off of a website, but the PDF does n't contain the information that it should contain. They responded by telling me the summary statement amount in the email, but still did not update or send me a PDF. The third time, they simply told me " Your tax information has been updated and is now available online ''. When I logged in, the PDF was STILL blank. I need the PDF information, not just the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, our rental property mortgage fell behind. Due to tenant non-payment for many months. At that time, XXXX XXXX XXXX was the mortgage lender. XXXX XXXX XXXX suggested a loan modification. Paperwork and required documentation was submitted several times, for a modification, which in turn was never received by XXXX XXXX XXXX. After many failed attempts at a modification, the loan was them sold to XXXX XXXX XXXX. 

XXXX XXXX XXXX would not accept any payments and also suggested a loan modification. Again after several years and failed attempts at a loan modification, the loan was next sold to Fay Servicing. 

XX/XX/XXXX, Fay Servicing agreed to a loan modification. While the modification process was in place, Fay suggested submitting a forbearance. The initial forbearance payment was made with the intent of completing the loan modification. We agreed to proceed with the modification and a good faith down payment amount was set. A few months later, Fay Servicing contacted us and dismissed any prior agreements to a loan modification. The property currently is a rented and the lease is set to expire XX/XX/XXXX. According to Fay, they will not do a loan modification unless the property is owner occupied. If this is the only way to achieve a loan modification then I will move back into the property after the renters lease is expired. Fay will not explore this option unless I have documentation of owner occupied for the past few months. This is impossible because the property is currently occupied by my renters. 

In XX/XX/XXXX we could not pay the mortgage and fell behind. In 6 years time, we have saved money and paid off debt. We currently do not claim to have a hardship but do request a fair settlement for this property. Fay currently has set sell the property at foreclosure on XX/XX/XXXX. We currently are behind over {$80000.00} owed to Fay but have been unable to make payments due to the many transfer of the note over 6 years. The amount owed is well below what the property is currently valued. 

We ask Fay Servicing make good on the initial loan modification agreement and keep in mind the property will be owner occupied within 3 to 4 months time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have an HSA account with HSA Bank. On XXXX/XXXX/16, I submitted paperwork to close the account and transfer the balance to my new HSA account. I have an email from the person I sent the paperwork to confirming that they received it and forwarded it on to their operations for account closure on XXXX/XXXX/16. On XXXX/XXXX/16, I logged on to the account to see if the transfer was completed. I noticed I was charged a {$2.00} service fee for the cash portion of the account on XXXX/XXXX/16 I ( which seems acceptable considering the paperwork was just submitted that day ). However, I noticed I was also charged a {$2.00} fee on XXXX/XXXX/16 for the investment portion of the account ( which was never actually opened or invested when XXXX HSA transferred to HSA bank ). This charge came11 days after the account closure form was submitted and received by their operations. I understand if the transfer was not completed, but there should have been a control to turn off fees by this point. After seeing this fee, I called HSA bank on XXXX/XXXX/16, to see if something was wrong with the paper work. They told me they were behind and it should be closed soon. On XXXX/XXXX/16 I received an email from HSA bank asking that I contact HSA bank. I called that day and was told I had to provide verbal approval to close the account, which I did that day. I do n't understand why I had to provide verbal approval after clearly trying to close my account twice already. I logged on to my account XXXX/XXXX/16 to see if the account had been closed. It is still open and I noticed that I was charged another {$2.00} fee for the cash portion of the fee and I know that any day I would have been charged another {$2.00} fee for the investment portion. I called XXXX/XXXX/16 and asked why I am being charged fees 33 days after submitting account closure paperwork and why my account is still open 42 days after submitting account closure paperwork. They told me they are about 2 months behind on account closures. This means they are making {$2.00} to {$5.00} a month from who knows how many people that have attempted to close their accounts. This is n't even mentioning the fact that I have lost potential investment gains on the close to {$8000.00} that would be invested at my new HSA account if the money were transferred in a reasonable amount of time. They said they would make a note to stop charging me fees, but we will see what happens and how much longer I have to wait to get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16
Company: Santander Consumer USA Holdings 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: Old information reappears or never goes away

Complaint:
This account for Santander is incorrect and does not belong on my credit report I have disputed this for years and it keeps appearing on my credit i do not have anything to do with this and for it to increase in the amount and to act as if its still open currently and report like that is fraud. This has ruined my life and how i take care of my children. It has made it nearly impossible to get a vehicle for me and my family and it a shame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX of a fraud On XX/XX/XXXX my bank account got 3 cash withdrawal charges from XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Im from maryland i live in maryland and ive been in maryland the whole time this was happening. I was at work. I got home around XXXX on XX/XX/XXXX. At around XXXX i went out to go to citibank and deposit a check to pay for my car and an error message pop out at the atm. When i checked my account thru mobile app thats when i saw the withdrawals that had done. I called citibank to dispute this charges and froze my account until i get the new bank card that theyre gon na send me ans give provisional credit while they initiate an investigation. On XX/XX/XXXX i received a letter from citibank that my disputes are denied. Citibank XXXXtatedbi have possession of my card and need a PIN to use at the atm and activities on my banking is consistent. On XX/XX/XXXX they took the {$1300.00} back. This withdrawals happened in florida and im in maryland how can a person withdraw money from maryland to florida in a few hours?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Merchants' Credit Guide Company
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
With regards to account # XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Revenue Assurance Professionals LLC
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Revenue Assurance Professionals collection accounts have been removed from my credit report because the accounts could not be verified. Since the removal of the account Revenue Assurance Professionals have reported late payments under Other Loans on my XXXX credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are 2 accounts listed on my credit report that do NOT belong to me and I have no knowledge of. This is a result of malpractice or an error and is negatively impacting my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: ALLY FINANCIAL INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have recently become a victim of fraud after having lost my wallet on XX/XX/2017 due to multiple unauthorized atm withdrawals that took place on my interest checking account. I have initiated disputes for the 2 unauthorized atm withdrawals through Ally Bank which comes to a total of {$800.00}. I have also submitted a fraud affidavit through the FTC which was attached to my disputes in support of the theft. I have reported my debit cards lost and requested new replacement debit cards. I have been told the investigation will be concluded within 10 days from XX/XX/2017. The loss of my wallet also resulted in theft of my NYS learner permit and social security card which also may take time to replace.

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 2017-02-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I would like to state that Equifax is reporting a lot of duplicate account from XXXX XXXX XXXX XXXX to my account. XXXX XXXX confirmed this as a fact on my previous dispute against their company. Equifax has refused to delete all the duplicate account of XXXX XXXX accounts. I hereby authorized Equifax LLC to release validation of their proof on reporting inaccuracy to my credit profile to the Consumer Protection Bureau immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Its now XXXX  and my XXXX  is still locked! Now Im getting told to call back in the afternoon ( which is almost impossible! ) Its been locked since XXXX. Im not sure what else to do at this point! This is a pandemic and I cant even access MY MONEY! Theres no physical branch in Pennsylvania or Id go there in person. I wish our government offered other payment options! 3-5 business days is turning into 3-5 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Herbert P. Sears Co., Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet. I don't have a record of this record that always had a place with me.

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